Active filings
Advance-type filings against a merchant that haven't been terminated or lapsed, and who filed them. A filing shows financing was recorded, not that a balance remains.
See who else may be in the file before the first call.
See a merchant's UCC filings before you dial.
Signals reads UCC filings to show which merchants have active advance-type filings, who filed them, how old they are, and where a termination was recently filed.
Built by people from the MCA and commercial lending side of the business.
Bayside Auto Repair LLC
Queens, 11101 · 3 UCC filings
Filing timeline
Past day 90
Funder AAdvance filed
TerminatedFunder A filing
Funder BAdvance filed
Today
1 active filingFunder B, filed 145 days ago
Filing agePast the 90-day mark
History1 termination filed
What UCC filings show a funder
Most advances and many business loans leave a public filing with the state. Signals collects them, matches each one to the right business, and shows four things, each with its filing date.
Filing age
How long ago the most recent advance-type filing was made. Filings 90 to 300 days old can mark merchants worth checking for a renewal or a new position.
A reason to call, not a payoff estimate.
Termination filings
A secured party filed to end its filing in the last 120 days. That often follows a payoff, but not always, so treat it as a prompt to ask, not a confirmed payoff.
Often the most useful UCC prompt to act on.
Stacking risk
Merchants with three or more active advance-type filings are flagged and ranked lower. One click hides them from your list entirely.
Protect your book from merchants who are already overextended.
A termination filing plus a build-out permit is worth a call.
UCC data is most useful next to other public records. A merchant with a recent termination filing and a construction permit pulled last week may have both room and a reason to need capital. Signals ranks that merchant higher and shows your rep both filings, so the first call opens with something specific.
Corner Table Hospitality LLC
Brooklyn, 11237
97
Strong signal
- Termination filed on an advance-type UCCNY Department of State filing18 days ago
- Major alteration permit issuedKitchen expansion, NYC Dept. of Buildings6 days ago
- Liquor license application filedNY State Liquor Authority4 days ago
Work the list your way
Your reps see only what fits how you fund. During the pilot, we set up your list around your box.
- Hide stacked merchantsRemove anyone with three or more active advance-type filings in one click.
- Leave out your own merchantsGive us the names you file under, and merchants you already fund drop off your list.
- Filter by signalTermination filings, filing age, or any mix with permits and licenses.
- Filter by area and strengthWork one borough or ZIP, and start with the highest scores.
- Track every outcomeMark each lead as reached, applied or funded, and get a report at day 30 showing what closed.
- Export anywhereSend any filtered list to your CRM or dialer as a CSV.
What UCC data can and can't tell you
Filings are public records, and they're powerful when you read them correctly. Here is where the edges are.
No balances or amounts
A UCC filing shows that financing was recorded, not its size or what's left on it. Filing age is a reason to call, not a renewal date or a payoff figure.
Some funders file through agents
Many advances are filed through companies like Corporation Service Company. Signals shows these as filings by an undisclosed party when the collateral describes future receipts.
A termination isn't proof of payoff
Funders don't always file a termination when an advance is paid, and a termination can be filed for other reasons. If the filings and the merchant disagree, trust the merchant and confirm.
Pilot it for 30 days
We're running paid pilots with a small number of MCA funders in New York: $500 for 30 days, one market, up to two users. Your team works the list, logs what happens, and we review the results together each week.
Request a pilot- Reviewed New York prospects, delivered weekly in batches
- Stacked merchants flagged, and your own merchants excluded
- Active filings, filing age and terminations, each with its source date
- A day-30 review of what your team reached, applied and funded
Questions from funders
Where does the UCC data come from?
From financing statements filed with the state, which are public records. We collect filings, match them to businesses across spelling and trade-name differences, and update the list as new filings come in.
Can other funders see the same merchants?
UCC filings are public, so anyone can look them up one at a time. What Signals adds is the matching, the timing and the ranking across thousands of merchants every day, alongside signals most funders never check.
Is it legal to contact merchants found this way?
Using public filings to find businesses is common in commercial finance. How you contact them is still regulated: your team is responsible for following telemarketing rules, including the TCPA and Do Not Call requirements, and any state rules where you fund.
Do you cover states other than New York?
New York first. More states will follow based on where pilot funders want coverage, so tell us where you fund when you request a pilot.