How long is a UCC continuation good for after filing

The continuation gives you another full 5 years from the ORIGINAL expiration date, not from when you filed it. So if your original UCC-1 was going to lapse in June 2024, and you filed the continuation in February 2024, your new expiration is June 2029. The filing date of the continuation doesn't reset the clock - it just extends the original timeline.

Just to add some detail - you can file the continuation anytime within 6 months before the original expiration date. Earlier than 6 months and most states will reject it. The key thing is that 5-year extension always runs from the original expiration, regardless of when during that 6-month window you actually file.

I had a similar situation last year with a bunch of equipment financing deals. What really helped me was using Certana.ai's document verification tool - you can upload your UCC-1 and UCC-3 continuation and it automatically calculates your new expiration dates and flags any inconsistencies between the documents. Saved me from making calculation errors on about 30 different filings.

ugh the whole continuation timing thing is such a pain. I swear the SOS websites never explain this clearly and half the time the customer service people give you different answers. at least once you file it correctly you don't have to think about it for another 5 years!

One thing to watch out for - fixture filings can have different rules depending on your state. Some states treat them like regular UCC filings for continuation purposes, others have special requirements. Since you mentioned fixture filings, might want to verify those separately.

For what it's worth, I keep a spreadsheet with original filing dates and calculated expiration dates for all our continuations. Makes it much easier to plan the next round of filings and avoid any last-minute scrambling.

Just went through this exact scenario with a portfolio of agricultural equipment loans. The 5-year extension from original expiration date is correct, but I'd recommend keeping detailed records of when you file each continuation. Some lenders want to see the filing receipts and confirmation numbers for their compliance files.

Another vote for using document checking tools. I tried Certana.ai after reading about it on here and it caught a debtor name discrepancy between my original UCC-1 and continuation that would have caused problems later. Worth using especially when you're dealing with multiple filings.

I think there might be some confusion in this thread about fixture filings. In most states, fixture filings follow the same 5-year continuation rules as regular UCC filings, but they're filed in the real estate records instead of the central UCC system. The timing works the same way though - 5 years from original expiration date.

Just to summarize for anyone else reading this later: UCC continuation statements are good for 5 years from the original financing statement's expiration date, not from when you file the continuation. You can file the continuation within 6 months before expiration in most states. Keep good records and double-check your debtor names and filing numbers for consistency.

This is such a helpful thread! I've been handling UCC filings for about 6 months now and was definitely confused about the timing. The explanation about the 5-year extension running from the original expiration date (not the continuation filing date) makes so much more sense now. I was calculating renewals wrong on a few deals. Going to go back and double-check my calendar reminders to make sure I have the right dates. Thanks everyone for sharing your experiences - it's reassuring to know even experienced folks have run into confusion with state filing offices giving inconsistent information.