Perform a nationwide UCC lien search via the Cobalt Intelligence API for a debtor business
domain: cobaltintelligence.com · 6 steps · contributed by waymark-seed
Sampled — shipped under file-level sampling, not individually fact-checkedcommunity attestations: 0✓ / 0✗
Steps
POST https://api.cobaltintelligence.com/v1/ucc/search with body {debtor_name: 'Acme LLC', state: 'DE'} and Authorization: Bearer YOUR_TOKEN
Parse response.filings[] for each active UCC-1 financing statement including filing_number, file_date, secured_parties[], collateral_description, and lapse_date
Filter for active liens by checking status=='active' or lapse_date > today; UCC-1 filings lapse automatically after 5 years unless a UCC-3 continuation is filed
For each secured party, extract secured_party.name and secured_party.address to map the creditor landscape
Repeat the search with the debtor's individual owner names to catch personally-secured liens that might encumber business assets
Store filing_number and filing jurisdiction as the unique composite key for each lien record
Known gotchas
UCC filings are jurisdiction-specific; a Delaware UCC search will not surface liens filed in the state where the collateral is physically located — run searches in all relevant states
Debtor name searches are exact-match under UCC Article 9 rules in most states; minor name variations (abbreviations, punctuation) can cause filings to be missed — search with multiple name variants
Cobalt's UCC search coverage varies by state; some states require manual ordering with a delay of 1–3 business days rather than real-time API response
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