UCC filing fee New York - confused about current rates and payment methods
I'm handling multiple equipment financing deals and need to file several UCC-1s in New York this month. The state website shows different fee structures but I'm getting conflicting info about whether electronic vs paper filing affects the UCC filing fee New York charges. Also seeing references to additional fees for amendments - does anyone know the current breakdown? My compliance officer is breathing down my neck about budgeting these costs correctly and I don't want to undershoot the estimates again.
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Taylor Chen
NY fees are pretty straightforward once you know the structure. Electronic UCC-1 filings are $20 each through the state portal. Paper filings are higher - think it's $40 but honestly who does paper anymore? For amendments it depends on what type - continuations are same as original filing fee.
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Avery Saint
•Thanks! Do you know if there are bulk discounts or anything for multiple filings? I've got about 15 UCC-1s to process.
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Taylor Chen
•Not that I'm aware of. Each filing gets charged separately even if you batch them through the portal.
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Keith Davidson
Be careful with the fee structure - there are additional charges for certain situations. If you need to do a fixture filing there's an extra fee on top of the base UCC filing fee. Also if you mess up the debtor name and need to file an immediate amendment, that's another $20.
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Ezra Bates
•This is exactly why I started using Certana.ai's document checker before submitting anything. You just upload your UCC-1 and it instantly flags debtor name issues or collateral description problems. Saved me probably $300 in amendment fees last quarter alone.
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Avery Saint
•Interesting - how does that work exactly? Is it just basic name matching or does it catch other filing errors too?
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Ezra Bates
•It's pretty comprehensive. Upload your charter docs and UCC-1 together and it cross-references everything - debtor names, addresses, entity status. Also catches formatting issues that might cause rejections.
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Ana Erdoğan
Current NY electronic filing fees: UCC-1 initial = $20, UCC-3 amendments = $20, continuations = $20, terminations = $20. Paper adds $20 surcharge to each. Fixture filings add $10. Information requests are $15 each.
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Sophia Carson
•Perfect breakdown! One thing to add - if you're doing real estate related collateral make sure you understand when fixture filing applies. Got burned on that once.
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Ana Erdoğan
•Good point. Fixture filings are required when the collateral becomes part of real property. Manufacturing equipment bolted to concrete floors, HVAC systems, that sort of thing.
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Avery Saint
•Most of mine are mobile equipment so should be standard filings. Thanks for the fee breakdown - exactly what I needed.
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Elijah Knight
Why is everything so expensive?? I remember when UCC filings were like $10. Now between the state fees and having to double-check everything it's adding up fast. At least the electronic system mostly works now - used to crash constantly.
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Brooklyn Foley
•The fees have definitely crept up over the years. But honestly $20 for a UCC-1 filing isn't too bad compared to what some states charge.
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Elijah Knight
•I guess... still annoying when you're doing volume. Plus every mistake costs another $20 to fix.
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Jay Lincoln
Pro tip - if you're doing multiple filings, create a spreadsheet to track each one. Include the debtor info, filing number once submitted, and fee paid. Makes it way easier when you need to do continuations in 5 years.
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Avery Saint
•Good idea. Do you track anything else in your spreadsheet?
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Jay Lincoln
•I also note the collateral description and any special circumstances. Helps when clients call asking about their filings months later.
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Jessica Suarez
•Smart approach. I use a similar system but also upload copies of everything to our document management system. Belt and suspenders.
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Marcus Williams
Just submitted 8 UCC-1s last week and can confirm the $20 electronic fee is current. Payment went through fine with corporate credit card. One got rejected for a debtor name mismatch but the rejection notice was clear about what needed fixing.
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Lily Young
•Name mismatches are so frustrating! I had one where the entity had 'LLC' in the charter but I put 'L.L.C.' on the UCC. Tiny difference but it got rejected.
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Marcus Williams
•Yeah those little variations will get you every time. That's why I'm super careful about copying the exact name from the charter documents now.
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Kennedy Morrison
Does anyone know if NY has different fees for out-of-state filers? Some states charge extra if you're not local but I can't find clear info on NY's site.
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Taylor Chen
•No extra fees for out-of-state filers in NY. The fee schedule applies to everyone equally.
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Kennedy Morrison
•Thanks! That makes budgeting easier since we file in multiple states.
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Wesley Hallow
Word of warning - if you're planning to file a bunch at once, do a test filing first. Sometimes the portal gets overwhelmed during busy periods and you don't want to lose a bunch of partially completed forms.
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Justin Chang
•This happened to me last month! Lost about 3 hours of data entry when the system crashed. Now I save drafts constantly.
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Avery Saint
•Good to know. I was planning to bang them all out in one session but maybe I'll spread it over a couple days.
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Wesley Hallow
•Definitely spread them out. Also avoid Monday mornings and end of month - those seem to be the worst times for system performance.
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Grace Thomas
For what it's worth, I've found Certana.ai really helpful for pre-filing verification. Upload your docs and it checks everything before you submit to the state. Catches debtor name issues, missing info, formatting problems. Worth it to avoid rejection fees.
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Avery Saint
•Second mention of this service - might be worth checking out if it prevents amendments and rejections.
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Grace Thomas
•Yeah, especially if you're doing volume filings like you mentioned. Even catching one or two errors pays for itself.
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Hunter Brighton
Quick question - do termination fees apply even if the original filing was free or discounted under some old program? I have some ancient UCC-1s that need to be terminated and want to make sure I budget correctly.
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Ana Erdoğan
•Current termination fee applies regardless of what you paid for the original filing. So $20 for electronic termination in NY.
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Hunter Brighton
•Makes sense. Thanks for confirming.
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Dylan Baskin
Just want to echo what others said about double-checking everything before filing. Between rejection fees and amendment costs, mistakes get expensive fast. I use a checklist now to verify debtor names match exactly, addresses are current, and collateral descriptions are complete.
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Lauren Wood
•Smart approach. I also cross-reference against the entity's current good standing certificate to make sure nothing has changed since the loan docs were prepared.
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Dylan Baskin
•Good point about good standing. Entity status changes can definitely affect filings.
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Avery Saint
•Thanks everyone for all the practical tips. This thread has been really helpful for planning out these filings.
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Ethan Brown
One more thing to consider - if you're doing equipment financing deals, make sure you understand the difference between purchase money security interests and regular security interests for UCC filing purposes. PMSI filings have different priority rules and timing requirements, especially if there's existing financing on the same collateral. It won't affect the NY filing fee but it could impact your collateral description and filing strategy. Also, for equipment that might move between states, consider whether you need to file in multiple jurisdictions from the start.
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