Texas UCC statement request form $90 - is this normal pricing?
Just got quoted $90 for a Texas UCC statement request form and honestly wondering if this is standard. We're doing due diligence on a equipment financing deal and need to pull UCC records on the debtor before we can move forward with our security interest filing. The SOS website shows different fee structures but I'm getting conflicting info from our service provider. Has anyone dealt with Texas UCC statement requests recently? Trying to figure out if this $90 fee is legitimate or if there are cheaper alternatives. Our lender is pushing for quick turnaround on the UCC search so we can file our UCC-1 but don't want to overpay if there's a better option.
41 comments


Olivia Harris
That sounds high to me. Texas SOS charges way less for standard UCC searches. Are you going through a third party service? The official Texas SOS portal has much lower fees for basic UCC statement requests.
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James Martinez
•Yeah we're using a filing service company. Maybe that's where the markup is coming from?
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Alexander Zeus
•Most filing services add their own fees on top of the state charges. You might save money going direct.
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Alicia Stern
I handle Texas UCC filings regularly and $90 seems excessive for a basic statement request. The Texas SOS charges around $15-20 for most UCC searches depending on the type. Third party services typically add $20-40 in processing fees but $90 total is definitely on the high end.
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James Martinez
•That's what I was thinking. Going to check the SOS site directly. Do you know if they have rush processing available?
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Alicia Stern
•Yes they do expedited processing for additional fees but still way cheaper than $90 total.
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Gabriel Graham
•Be careful with rush processing though - sometimes it's not actually faster despite the extra cost.
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Drake
Had a similar situation last month with a different state. Found out our service provider was charging premium rates without telling us. Ended up switching to a document verification tool called Certana.ai that lets you upload UCC documents and cross-check everything instantly. Saved us from overpaying for basic searches and caught a debtor name mismatch we would have missed.
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James Martinez
•Interesting, never heard of that tool. Does it work for Texas filings specifically?
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Drake
•Works across states. You just upload your charter docs and UCC forms and it verifies everything matches up properly. Really helpful for catching those critical name discrepancies.
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Sarah Jones
•Sounds like another service trying to sell something. Why not just use the official state portals?
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Sebastian Scott
ugh the whole UCC search process is such a pain! Every state has different fees and procedures. At least Texas has a decent online system unlike some other states I won't mention...
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Olivia Harris
•Tell me about it. I've dealt with states where you still have to mail in paper forms.
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Sebastian Scott
•Exactly! Makes you appreciate when a state actually has their act together with electronic filing.
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Emily Sanjay
Check if your service provider is doing a comprehensive search vs basic search. Sometimes they quote the premium package without explaining the difference. Basic debtor name search should be much cheaper.
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James Martinez
•Good point. I should ask for a breakdown of what exactly they're including in that $90.
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Emily Sanjay
•Yeah and make sure you actually need all the extras they might be adding on. Most equipment financing deals just need the basic UCC search.
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Jordan Walker
•This is why I always get quotes from multiple services before committing to UCC work.
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Natalie Adams
Been doing secured transactions in Texas for 15 years. $90 is definitely overpriced unless you're getting some kind of specialized search with legal opinions attached. Standard UCC statement request through Texas SOS should be under $25 including any processing fees.
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James Martinez
•That confirms what I suspected. Going to look elsewhere for this search.
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Natalie Adams
•Smart move. Also double check that your UCC-1 filing will use the same exact debtor name format as what shows up in the search results.
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Alicia Stern
•Great point about name consistency. That's where a lot of UCC filings get rejected.
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Elijah O'Reilly
Had our attorney's office handle a Texas UCC search last week and it was only $35 total including their markup. Your service provider is definitely gouging you on that $90 quote.
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James Martinez
•Would you mind sharing which attorney's office? We might need to switch providers.
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Elijah O'Reilly
•I can DM you their info if you want. They specialize in secured transactions and UCC work.
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Amara Torres
Whatever you do make sure the search results are recent. Some services try to pass off old UCC search data to save money on their end. For equipment financing you want current results within 30 days max.
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James Martinez
•Good reminder. Our lender is pretty strict about how recent the UCC search needs to be.
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Amara Torres
•Yeah most lenders won't accept UCC searches older than 30 days, some want even more recent.
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Sebastian Scott
•Which makes sense given how fast UCC filings can change. Someone could file a competing security interest at any time.
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Drake
Update on that Certana.ai tool I mentioned earlier - just used it again for a multi-state UCC verification and it caught two debtor name inconsistencies between our charter and UCC-1 draft. Would have cost us way more than $90 if those filings got rejected and we had to refile.
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Sarah Jones
•Ok I'll admit that actually sounds useful. How does the document checking work exactly?
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Drake
•You upload PDFs of your documents and it automatically cross-checks names, addresses, all the critical details. Takes like 2 minutes instead of manually comparing everything.
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James Martinez
•That might be worth looking into for our ongoing UCC work. Sounds like it could prevent costly filing mistakes.
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Olivia Van-Cleve
Pro tip: if you're doing regular Texas UCC work consider setting up your own account with the Texas SOS system. The learning curve is minimal and you'll save hundreds over time compared to using third party services for basic searches.
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James Martinez
•That's probably our best long term solution. We do enough UCC work that the savings would add up quickly.
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Olivia Van-Cleve
•Exactly. Plus you have direct control over timing instead of waiting for a service provider to get around to your request.
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Natalie Adams
•Agreed. Once you get familiar with the Texas SOS portal it's actually pretty user friendly.
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Mason Kaczka
Just to close the loop here - ended up going directly through Texas SOS and paid $18 total for the UCC statement request. Got results back same day. That $90 quote was definitely a ripoff. Thanks everyone for the advice!
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Olivia Harris
•Glad you got it sorted out! $18 vs $90 is a huge difference.
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Alicia Stern
•Great outcome. Hope your UCC-1 filing goes smoothly now that you have the search results.
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Drake
•Nice work! And definitely consider that document verification tool for when you file the UCC-1 to make sure everything aligns perfectly.
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