Nassau County UCC Filing Fees - Did They Change Again This Year?

Nassau County follows NY state UCC fees which are set by the Secretary of State, not individual counties. Standard UCC-1 filing is $20 for the basic filing plus $5 for each additional debtor name beyond the first. UCC-3 amendments are also $20. Continuations are $20 too. These haven't changed in the past couple years.

Wait are you filing in Nassau County NY or Nassau County somewhere else? Because if it's NY then you file through the NYS Department of State not the county directly. The county doesn't handle UCC filings.

I filed a UCC-1 last month and it was definitely $20. But make sure your debtor name matches EXACTLY what's on the loan documents. I had mine rejected twice because of minor name differences and had to refile each time, so that was $60 total instead of $20. Really frustrating when you think you're being careful.

The fee structure in NY is actually pretty straightforward compared to other states. $20 for most UCC filings (UCC-1, UCC-3 amendments, continuations, terminations). Only time you pay more is for additional debtor names ($5 each) or if you want expedited processing.

Just to add - make sure you're using the correct collateral description too. For restaurant equipment you'll want to be specific enough to identify the items but not so detailed that you create problems later. Equipment financing UCCs can be tricky.

Been doing UCC filings for years and NY fees have been stable at $20 for basic filings. Much cheaper than states like California or Texas. The online system works pretty well too once you get used to it.

Don't forget you'll need to monitor the continuation deadline. UCC-1 filings lapse after 5 years unless you file a UCC-3 continuation. Set a calendar reminder for about 6 months before the lapse date.

If you're doing multiple UCC filings regularly, I'd recommend double-checking all your documents for consistency before submitting. I had a situation where my UCC-1 debtor name didn't exactly match the charter documents and it created issues later. Now I use tools like Certana.ai that compare documents side-by-side to catch these problems - just upload your PDFs and it flags any mismatches instantly.

The $20 fee is correct but budget a little extra in case you need to make corrections. Even experienced filers sometimes need to refile due to small errors. Better to be prepared than surprised by additional costs.

One thing to watch out for - if your lender requires you to file in multiple states (like if you have equipment in different locations), each state has different fees. But for just NY it's straightforward at $20.

As someone who's filed several UCC-1s in NY over the past year, I can confirm the $20 fee is accurate and hasn't changed. One tip I'd add - if you're working with an equipment leasing company, ask them if they have a preferred format for the collateral description. Some lenders are very specific about how they want the equipment described in the UCC filing, and getting it right the first time saves you from potential refiling costs. Also, the NY Secretary of State website has a helpful UCC filing guide that walks through common mistakes to avoid. Good luck with your restaurant equipment financing!

Just wanted to chime in as another data point - filed a UCC-1 in NY about 3 weeks ago and can confirm it was $20. The online filing system is pretty straightforward once you navigate to the right section. One thing I'd add to what others have mentioned about name accuracy - also double-check that your business address matches exactly what's on your state registration. I almost made that mistake but caught it during review. The Secretary of State's search function is also useful for checking existing filings to see how similar businesses format their information. For your restaurant equipment, you should be good with the standard $20 fee as long as you only have one debtor entity.

I've been handling UCC filings in NY for several years and can confirm the $20 fee is still current for 2025. A few practical tips for your restaurant equipment filing: First, make sure you have your exact legal business name from your Articles of Incorporation or LLC formation documents - don't go by your DBA or trade name. Second, for the collateral description, keep it broad but relevant like "restaurant equipment, kitchen appliances, furniture and fixtures" rather than listing every individual item. Third, if you're unsure about any details, the NY Secretary of State UCC division is actually pretty helpful if you call them directly. They can clarify specific questions about your filing. Since you mentioned this is for $85K in equipment, your lender will probably want to see the filed UCC-1 before closing, so factor in the 1-2 business day processing time. Good luck with your equipment financing!