The Most Valuable Yet Ignored Dataset in Finance: UCC Filings

How one forgotten public database became the engine behind my entire deal-finding system.

I didn’t plan to build a business around UCC filings. In fact, a year ago, I barely thought about them.

My original plan was simple: Sell high-intent leads to finance firms.

Everyone in finance talks about “more leads.” Every lender says they want them. Every PE firm says they’re looking.

So I figured — fine. I’ll find the leads, package them, and sell them.

After the 45th conversation with banks, MCA firms, commercial lenders, and equipment financing companies.

It finally hit me.

Finance doesn’t run on leads but deals. And the deals were hiding in plain sight, in UCC filings.

Before I tell you how we’re using it to find close financial deals and how you can do the same, let me tell you what exactly UCC filings are.

What UCC Filings Actually Are (And Why They’re ignored)

Most people think UCC filings are courthouse paperwork.

They’re completely wrong.

UCC filings are the heartbeat of American lending.

The Universal Commercial Code (UCC) is a set of laws that governs secured transactions across all 50 states.

It’s made up of nine different articles, each covering critical slices of the financial world:

• Personal property as collateral, equipment loans
• Inventory financing, receivables, and credit lines
• Business assets, sales of certain goods, and more

Every time a business takes on debt, buys equipment, pledges collateral, restructures, or expands, there’s a UCC filing.

That’s the highest intent data you can get if you’re in finance.

If you’re a lender, a PE investor, an investment banker, an MCA provider, or a dealmaker of any kind…

It tells you: who borrowed, when they borrowed, what they borrowed against, who their lender is, and when their loan matures

And it’s publicly available.

So how did we go about aggregating all the UCC filings for more than 12 States:

Scraping the States: How we Got the Data

We started scraping and aggregating filings from Maryland, Florida, Texas, New Jersey, West Virginia, Rhode Island, Massachusetts, Pennsylvania, North Carolina, Ohio, Arizona, Colorado, New York, and a handful of others.

One state turned into five. Five turned into twelve. Twelve turned into a nationwide dataset.

And that’s when the whole picture opened up for me. Let’s use AI agents to process the intent data that we have now acquired and do the outreach.

The Power UCC Data Unlocks

Once I had UCCs at scale and added AI agents as a processor, the world opened up:

Loan maturities revealed predictable refinance windows

New liens showed expansion or equipment upgrades

Distress filings flagged businesses about to need restructuring

Amendments showed shifting credit conditions

Equipment filings exposed growth hotspots

Today, Signals is positioned to become one of the biggest deal makers in finance. At least that’s the goal.

Signals — Welcome Page

You can do the same. UCC data is public; aggregating and processing takes time, but it’s not impossible.

While every lender and bank hammer the same lists, you’ll have an edge by reaching out with high intent signals and relevance.

You’ll close more deals. If you don’t want to figure it all out by yourself.

Using AI agents on top of high-intent data is the future of marketing, sales, and deal-making

Let us know and we’ll happily help.