Guides
How UCC filings work and how equipment finance teams turn them into deals, with live numbers from Colorado's filings.
What a UCC-1 filing is, and how lenders use it
A UCC-1 financing statement tells the world a lender has a claim on a business's assets. What's in one, why lenders file it, and what it reveals.
How to find equipment financing leads
Where equipment finance originators and brokers find businesses that need financing, from vendor programs to public UCC records, and which ones convert.
How to use UCC filings for prospecting
A step-by-step method for turning public UCC-1 filings into a call list of businesses whose equipment loans are ending.
UCC lapse and continuation, explained
UCC-1 filings lapse after five years unless continued in the six months before. How lapse dates work, what a continuation means, and what it tells a lender.
Equipment finance lead generation strategies that work
Seven lead generation strategies for equipment lenders and brokers, ranked by cost and conversion, with the numbers behind timing-based outreach.
How brokers find equipment refinance opportunities
Refinance and upgrade deals come from knowing when a loan is near its end. How brokers spot them in public filings before the incumbent lender calls.
UCC and equipment finance glossary
Plain-English definitions of UCC-1, UCC-3, secured party, debtor, lapse date, continuation, blanket lien, captive finance and more.
UCC-3 amendments, terminations and continuations
What a UCC-3 is, the five things it can do to a financing statement, and how to read a filing's history to tell whether a loan was paid off.
Blanket liens vs specific equipment liens
The difference between an all-assets lien and a lien on one machine, why it matters to the next lender, and how to tell them apart in a filing.
Captive finance vs banks vs independents in equipment lending
Who finances equipment: manufacturer captives, banks and independent lessors. How each wins deals, and where the others can compete.
How to search Colorado UCC filings
Where to search Colorado UCC records for free, what the Secretary of State's search and open data show, and how to read the results.
How long equipment loans last, and when to reach out
Typical equipment loan and lease terms by equipment type, and how to time outreach around the 36, 48 and 60 month marks.
How to read UCC collateral descriptions
Serial numbers, VINs, model numbers and boilerplate: how to read what a UCC-1 financed, with real examples from Colorado filings.
Using UCC data for marketing: what's allowed
UCC filings are public, but how you use them still has rules. FCRA, calling and email rules, and why to leave individuals out.
How to call a business whose equipment loan is ending
Openers, questions and follow-ups for calling a business owner near the end of an equipment loan, built around what the filing tells you.
New authority trucking leads, explained
Every new trucking company registers with the FMCSA first. What those public records contain, who buys new authority leads, and how to work them.