Several platforms now offer real-time UCC (Uniform Commercial Code) updates across multiple U.S. states, combining instant lien discovery with integrated risk analysis features. The leading solutions in this area are Cobalt Intelligence, Baselayer, Bectran, Wolters Kluwer iLien, CSC Global, and Middesk.
At Cobalt Intelligence, we’ve developed a powerful solution that provides instant access to critical UCC filing data from 11 key states, meticulously designed to ensure real-time accuracy and give your firm an undeniable edge.
Cobalt Intelligence offers direct, real-time access to Uniform Commercial Code (UCC) data from 11 states through its specialised UCC Filing Data API. This capability provides an immediate and transparent view into a business's financial encumbrances, allowing you to instantly detect existing liens and understand the full scope of a borrower’s financial landscape.
Cobalt Intelligence bypasses unreliable third-party databases by going straight to each state's primary website or leveraging direct state agreements. This ensures that UCC filing data returned is current, reflecting the absolute latest public records, which is critical for time-sensitive decisions in lending and insurance.
Multi-strategy firm doubles down on private credit
Jan 5, 2026 Submission Deadline of Comprehensive Report
126% YoY Funded Loans Growth; 766 FICO, 35% LTV, 72% CLTV
For Illinois-based companies, encountering a "Not Good Standing (NGS)" status is a significant red flag that demands immediate attention and a clear understanding of its implications.
An NGS status is a flashing yellow light, demanding a deeper dive than a straightforward 'Active' designation. Let's unpick what these mean for businesses in the Prairie State and, crucially, for your lending decisions.
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