Free tool · Directory
UCC lien search in Colorado
Central filing office
Colorado Secretary of State, Uniform Commercial Code
Opens coloradosos.gov in a new tab
- Online access
- Anyone can search debtor names online at no cost, with no account.
- Fees
- Debtor lien search: free. Certified search fee: free. Certification fee: free. Searches and copies through the website: free. UCC financing statement filing: $8.
- Certified search
- Generate it online: log in to a UCC user account, run a Standard search on the debtor name, select all results, click View Report, then Certify. Certified search fee and certification fee: free.
- Last verified
What to know in Colorado
- From the UCC home page, choose Standard search: it applies standard search logic to the debtor name and returns UCC financing statements, farm products effective financing statements, notices of liens and federal tax liens.
- Lapsed records are excluded by default; you can include records that lapsed within the past two years. Older lapsed records are not available.
- A certified search report needs a UCC user account and certifies that the report lists all records on file for that debtor name as of the search date.
- Some individual names were indexed as organizations in the past; if an individual search finds nothing, try the organization field as "Smith John".
About this tool
Is Colorado the right filing office to search?
Search Colorado when the carrier is located there for UCC purposes, which is not always where its trucks run. An LLC or corporation organized in Colorado is located in Colorado (UCC §9-307), wherever it dispatches from. A sole proprietor is located at their principal residence, so an owner-operator who lives in Colorado is searched here.
If the carrier was organized somewhere else but operates in Colorado, search its formation state first, then Colorado 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 Colorado, 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 Colorado debtor search
Open the Colorado Secretary of State, Uniform Commercial Code 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 Colorado?
In Colorado, UCC records are kept by the Colorado Secretary of State, Uniform Commercial Code. 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 Colorado?
Debtor lien search: free. Certified search fee: free. Certification fee: free. Searches and copies through the website: free. UCC financing statement filing: $8. 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 Colorado?
Generate it online: log in to a UCC user account, run a Standard search on the debtor name, select all results, click View Report, then Certify. Certified search fee and certification fee: free.
How long does a UCC-1 filed in Colorado 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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