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UCC lien search in Mississippi
Central filing office
Mississippi Secretary of State, Business Services Division (UCC)
Opens business.sos.ms.gov in a new tab
- Online access
- Anyone can search debtor names online at no cost, with no account.
- Fees
- Public online search: no fee shown. UCC-11 information request: $5 on the standard form, $10 otherwise, plus $2 per financing statement listed (per the posted UCC administrative rules). Subscription fees for document viewing: see filing office.
- Certified search
- Mail a UCC-11 Information Request and check the Certified box. The Secretary of State's UCC administrative rules list $5 for a written request on the standard form ($10 if not on the standard form), plus $2 for each financing statement listed on the certificate.
- Last verified
What to know in Mississippi
- The free Public UCC Search gives basic creditor and debtor information; viewing filed UCC documents requires the UCC subscription service.
- Search options: Standard (RA9), Non-Standard (starting with, all words, any words, sounds like, exact match) and File Number.
- On the UCC-11, complete sections A, B and 1, or A, B and 2C, but not both.
About this tool
Is Mississippi the right filing office to search?
Search Mississippi when the carrier is located there for UCC purposes, which is not always where its trucks run. An LLC or corporation organized in Mississippi is located in Mississippi (UCC §9-307), wherever it dispatches from. A sole proprietor is located at their principal residence, so an owner-operator who lives in Mississippi is searched here.
If the carrier was organized somewhere else but operates in Mississippi, search its formation state first, then Mississippi 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 Mississippi, 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 Mississippi debtor search
Open the Mississippi Secretary of State, Business Services Division (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 Mississippi?
In Mississippi, UCC records are kept by the Mississippi Secretary of State, Business Services Division (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 Mississippi?
Public online search: no fee shown. UCC-11 information request: $5 on the standard form, $10 otherwise, plus $2 per financing statement listed (per the posted UCC administrative rules). Subscription fees for document viewing: see filing office. 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 Mississippi?
Mail a UCC-11 Information Request and check the Certified box. The Secretary of State's UCC administrative rules list $5 for a written request on the standard form ($10 if not on the standard form), plus $2 for each financing statement listed on the certificate.
How long does a UCC-1 filed in Mississippi 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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