Free tool · Directory
UCC lien search in Arkansas
Central filing office
Arkansas Secretary of State, Business and Commercial Services (UCC)
Opens bcs.sos.arkansas.gov in a new tab
- Online access
- Anyone can search debtor names online at no cost, with no account.
- Fees
- Online public search: free. Lien search (UCC-11): $6 online or paper. Copies of financing statements: $6 first page, $0.50 each additional page; certified copy fee $0.50.
- Certified search
- Submit a UCC-11 Lien Information Request in the BCS online portal (login required) or on the paper UCC-11 form: $6 per debtor name search, which returns a certified search report. Adding copies: $6 for the first page plus $0.50 per additional page.
- Last verified
What to know in Arkansas
- UCC services are moving to the new BCS portal; accounts from the old online system before June 2, 2026 must be re-created (an account is needed to file or order a UCC-11, not to search).
- The search page shows a processed-through date (on 2026-10-19: documents received through 10/18/2026) and warns results may not show every matching record; a certified UCC-11 covers all active and unlapsed records.
- Collateral descriptions are not indexed or searchable; collateral appears only in the filing image, which you order with a UCC-11 copy request.
- Certified UCC-11 searches use IACA RA9 search logic.
About this tool
Is Arkansas the right filing office to search?
Search Arkansas when the carrier is located there for UCC purposes, which is not always where its trucks run. An LLC or corporation organized in Arkansas is located in Arkansas (UCC §9-307), wherever it dispatches from. A sole proprietor is located at their principal residence, so an owner-operator who lives in Arkansas is searched here.
If the carrier was organized somewhere else but operates in Arkansas, search its formation state first, then Arkansas as well. A filing in the wrong state may not perfect anything, but it still shows that another funder believes it has a claim.
How to search UCC filings in Arkansas, step by step
- 1
Confirm the exact legal name
Copy the carrier's name from its formation record, entity suffix and punctuation included. A financing statement against a registered organization has to use the name on its public organic record (UCC §9-503).
- 2
Run the Arkansas debtor search
Open the Arkansas Secretary of State, Business and Commercial Services (UCC) search and search the exact name. Its online debtor search is free and needs no account.
- 3
Repeat with the variations
Search the DBA, former names, the owner's individual name for a sole proprietor, and the name with and without "LLC" or "Inc.". Each filing office applies its own search logic (UCC §9-506), so one search is rarely enough.
- 4
Open every hit's full history
Read the UCC-1 collateral description, then every UCC-3 filed against the same initial file number: amendments, assignments, continuations and terminations.
- 5
Record what you found
Save the results with the search date and time in the carrier's file. When you need an official record, order the certified search described above.
What to look for in the results
- Blanket liens: collateral described as "all assets" or "all personal property" reaches accounts, so it covers the invoices you plan to buy.
- Accounts and receivables: a description naming "accounts" or "receivables" usually means another factor or an asset-based lender.
- Lapse dates: a UCC-1 is effective for five years after filing unless a continuation is filed in the six months before it lapses (UCC §9-515).
- Assignments and terminations: an assignment changes who you ask for a release, and a filed termination ends the financing statement's effectiveness (UCC §9-513).
If you find a lien
Contact the secured party on a number you find yourself, and ask for a letter of release covering the accounts or a UCC-3 termination before you fund. The free NOA and release letter generator drafts the letter. If the prior factor has already notified the carrier's brokers, read two NOAs, one carrier.
For the full process, see UCC lien searches before you fund a carrier and the UCC-1 glossary entry.
Frequently asked questions
How do I search UCC filings in Arkansas?
In Arkansas, UCC records are kept by the Arkansas Secretary of State, Business and Commercial Services (UCC). Its online debtor search is free and needs no account. Use the official search, enter the carrier's exact legal name, then repeat with its DBA and name variations.
How much does a UCC search cost in Arkansas?
Online public search: free. Lien search (UCC-11): $6 online or paper. Copies of financing statements: $6 first page, $0.50 each additional page; certified copy fee $0.50. These figures come from the official sources listed on this page as of October 19, 2026; confirm them on the filing office's site before you order.
How do I get a certified UCC search in Arkansas?
Submit a UCC-11 Lien Information Request in the BCS online portal (login required) or on the paper UCC-11 form: $6 per debtor name search, which returns a certified search report. Adding copies: $6 for the first page plus $0.50 per additional page.
How long does a UCC-1 filed in Arkansas stay effective?
Generally five years from the filing date under UCC §9-515, unless the secured party files a continuation in the six months before it lapses. Each continuation adds another five years, so check the lapse date and look for continuations on every hit.
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