How Fresh Is UCC Data?

A UCC-1 is only useful as a signal while it is still news. A lender that sees a new filing this week can pick up the phone while the business is still weighing its financing options. A lender that sees it next month may be calling a business that has already made its decisions. This piece explains how often we collect filings, how long they take to reach us, and what that means for the people who use the data.

Three collection rhythms

• Daily. Colorado, Connecticut, DC, Florida, Idaho, Kentucky, North Dakota, Rhode Island, Tennessee, and Wisconsin are collected every business day.
• Several times a week. Alabama, Georgia, and Mississippi are collected two to five times a week, depending on the state.
• Rolling, typically weekly. Every other state is collected on a rolling schedule, typically weekly, with extra runs when a state needs to be caught up.

Two clocks, not one

A filing reaches you only after two things happen. First the state has to publish it, and states do that on their own schedules. Then we have to collect it. Our schedule controls the second clock. It cannot control the first, and states sometimes load older records late to fill gaps.

So we measure the whole trip rather than promise a number. For filings dated July 1 – September 15, 2026, we counted the days between the filing date and the day the record reached our database.

The gap between rhythms is real but modest: weekly states reach 81% within a week and 93% within two. Daily states reach 66% within three days and 93% within a week. Part of what remains is the state's own publishing delay, which is why even a daily collection cannot make every filing show up the same day.

Why speed matters to the people using it

These are reasons, not statistics: a faster signal is not worth the same to everyone, but for the work below it is worth a lot.

• Reaching a business sooner. A new filing often marks a recent equipment purchase, a new loan or a refinance. The vendor or lender who reaches that business first is in the conversation first.
• Watching competitors. New filings by competing lenders in your territory show where they are winning business. Days matter more than weeks for that.
• Checking before you lend. Credit teams that see a new filing on a borrower before advancing capital avoid being surprised by a lender who arrived last week.
• Territory planning. Sales leaders can see which states are heating up while there is still time to act on it.

How it reaches you

By API, each pull resumes from the last record you received, so nothing is duplicated or skipped between pulls. Into Google Sheets, new records are checked every 15 minutes. That 15-minute check is a delivery schedule, not a state refresh: it moves records we already have into your sheet. A record cannot arrive before the state publishes it and our collection picks it up.

A fair way to compare data sources

Whatever source you use, ask for the same thing we publish here: the median number of days from filing date to delivery, by state, and what share arrives within a week. Freshness is only an advantage if it can be measured.