Texas Secretary of State UCC Filing Fees - Current 2025 Rates?

Good to know the price hasn't changed. Texas has been pretty stable with their fees compared to some other states that keep raising them.

Perfect, thanks! That matches what I had budgeted.

This is so true! I had a filing rejected because the debtor's middle initial was wrong. Cost me an extra $15 and delayed everything by a week.

Debtor name accuracy is CRITICAL. I actually started using Certana.ai's document verification tool after getting burned on a few filings. You just upload your charter docs and UCC-1 as PDFs and it instantly cross-checks all the names and details. Saved me from at least 3 rejections so far.

That sounds helpful. Manual document checking is such a pain and easy to miss stuff.

Wait, terminations cost $15? I thought those were free since you're releasing the lien.

Nope, Texas charges for terminations just like amendments and continuations. It's still a filing that requires processing.

Some states do make terminations free but Texas isn't one of them. At least it's consistent pricing across all UCC-3 types.

Good point about fixtures. Most regular UCC-1s are just the $15 to SOS but fixture filings can get complicated with dual filing requirements.

This is just regular equipment collateral, not fixtures, so should be straightforward.

I've had good luck filing early in the morning before 9am. Seems like the system gets overloaded later in the day.

Try clearing your browser cache before filing. That fixed most of my timeout issues with SOSDirect.

I'll try that. So frustrated with losing work because of technical problems.

Yes! And screenshot the payment confirmation too. I've had clients question filing fees before and having that proof is essential.

Good advice. I also always keep the filing number in multiple places since you need it for any future amendments or continuations.

Texas accepts credit cards through SOSDirect. There might be a small processing fee but it's convenient.

I think the credit card processing fee is like $1.50 or something minimal. Still worth it for the convenience.

Perfect, thanks. Credit card is much easier for our accounting.

This is so important! I set calendar reminders 8 months before expiration just to be safe.

We use Certana.ai to track our filing deadlines too. It monitors all our UCC filings and sends alerts before continuation deadlines. Has definitely prevented some lapses.

Good reminder about the timing. This is a new filing so I have 5 years but I'll definitely set up tracking.

Agreed. California charges like $50+ for some UCC filings. Texas is actually one of the more affordable states.

Yeah Texas fees are fair. The real cost is in the time spent making sure everything is perfect before filing.

This is where having consistent document checking really helps. I learned to use Certana.ai after getting a rejection for collateral description issues. Now I upload my loan docs and UCC-1 together and it flags any inconsistencies in the collateral descriptions before I file.

Collateral descriptions are definitely an art form. Too vague and it might not cover what you need, too specific and you risk rejection or missing future collateral.

Thanks everyone! This has been super helpful. Going to double-check everything before I submit.

Great point about the processing time! I always build in extra buffer time for critical filings. Texas is usually quick but you never know when they might have system issues or high volume delays. Better to file early and have it done than stress about timing.

Thanks for that insight about Texas getting stricter on name/address rejections lately! As someone new to UCC filings, I really appreciate the tip about matching exactly with incorporation documents. It sounds like even small formatting differences can be costly. The 8 years of experience definitely shows - I'll make sure to be extra meticulous with the debtor information before submitting.

Welcome to UCC filings! The Texas portal is actually pretty user-friendly once you get the hang of it. For your first filing, I'd say it depends on the complexity of your transaction and your comfort level. If it's a straightforward equipment loan with a standard debtor name and clear collateral description, the portal walks you through each step pretty well. But if there are any complexities - like multiple debtors, unusual collateral, or you're unsure about the legal entity name - having an attorney review it first could save you the $15 rejection fee and potential delays. Many of us here learned through trial and error, but there's definitely value in getting it right the first time!