Where can I find UCC leads for secured lending opportunities?

That sounds promising. Are these services expensive? I'm a smaller lender so budget is definitely a consideration.

I've heard good things about these aggregation services but never used one myself. Do they provide contact information or just the filing data?

Good point about compliance. I was planning to focus on direct mail initially to avoid any TCPA issues.

Smart approach. Direct mail based on public UCC filings is generally safer from a compliance standpoint.

You should still check state privacy laws too. Some states have restrictions on commercial use of public records.

This is exactly why I stopped doing manual searches. Too much time spent on data cleanup.

Yeah I'm already seeing that problem. Spent 3 hours yesterday just trying to verify which filings were still active.

Interesting, I hadn't thought about document verification as part of lead qualification. How does that help with the sales process?

If you can spot problems in their existing filings, it gives you a conversation starter about how you can help them clean up their secured debt structure.

That's actually brilliant. Finding filing errors gives you a legitimate reason to reach out and offer expertise.

Great tip! So I should be searching for filings from 2020 that haven't had continuations yet?

Exactly. The 5-year deadline creates natural refinancing opportunities.

Just remember some states have different timing rules, so double check the lapse dates.

That's smart to focus on industry verticals. Do you find certain types of collateral are better indicators of credit quality?

Heavy equipment and vehicles tend to be good indicators. Inventory-only filings can be riskier.

Multi-state capability is definitely important. Are there any free options or is this exclusively paid services?

Most comprehensive services are paid. The free state portals are too limited for serious lead generation.

Interesting angle. Do you monitor bankruptcy courts as well as UCC filings?

Yes, PACER searches can be really valuable for identifying opportunities.

Bankruptcy leads can be good but the due diligence requirements are much higher.

What kind of conversion rates were you seeing? I'm trying to set realistic expectations.

Maybe 1-2% response rate on cold outreach. Referrals are 10x better.

That matches my experience. UCC lead gen is more about volume than conversion quality.

That's a great suggestion. I hadn't thought about the M&A angle for UCC-secured financing.

Yeah, acquisition financing often involves complex collateral structures that need UCC expertise.

How's their pricing structure? Per-search or monthly subscription?

Monthly subscription with unlimited searches. Worth it if you're doing volume.

I'd still recommend running any documents you find through Certana.ai to verify accuracy before reaching out. Data quality issues are common even with paid services.

Great summary of the discussion! Combining UCC data with D&B can definitely give you a more complete picture. D&B provides financial strength indicators, payment history, and industry risk scores that help qualify leads before outreach. I've also seen people overlay SIC codes to identify industry clusters with higher secured lending needs. The key is building a scoring model that weighs UCC filing patterns against creditworthiness indicators - saves a lot of time on unqualified prospects.