UCC Filing Leads – Just-Financed Businesses w/ Phone (Daily)

A UCC-1 financing statement is the public paper trail of the exact moment a business borrows money, leases equipment, or takes a merchant cash advance. Lenders file it the day the deal closes. That makes UCC filings the highest-intent B2B financing signal that exists — list brokers sell them at $0.20–$0.75 per lead, and aged UCC lists at $0.05–$0.50.

This Actor pulls them straight from the official state registries at $0.02 per lead — fresh (daily) or aged (up to a 365-day archive sweep) — then runs every debtor through a five-source public-record enrichment pipeline no list broker can legally match.

The enrichment pipeline

Every lead is assembled from up to five official registries:

1. State UCC registry (CT / CO / OR) — debtor name + full street address (100% fill), secured party, filing type, collateral (CO, ~80% fill). Originals only: every record is a new financing event.
2. Lender classification — leadType decoded from the secured party's name: equipmentFinancing, mcaOrAltLender, confidentialRep (filed via CSC / CT Corp / First Corporate Solutions "as representative" — the classic disguised-MCA pattern), bankOrSba, taxLien (incl. CO business IRS federal tax liens), other.
3. Stacking intelligence (CT + CO) — the debtor's prior filing count, prior lender list, and last prior filing date, straight from the registry archive. isStacked = true (2+ priors) is the single hottest MCA-consolidation / debt-relief signal. Live-verified: 46–48% of fresh debtors are stacked.
4. State business registry (CO + OR) — formation date → business age in years, entity status/type, and the registered agent's name (a real person to ask for). ~69% match rate in CO.
5. FMCSA motor-carrier census — trucking-looking debtors (haulers, excavators, pavers…) matched to USDOT number, business phone, email, fleet size, drivers. 100% phone on matches in live tests. Optional fmcsaMatchAll tries every debtor. Optional NPI Registry match for medical debtors.

Real output record from a live run:

{
  "filingDate": "2026-07-10",
  "leadType": "equipmentFinancing",
  "debtorName": "Dubs Trucking LLC",
  "debtorCity": "Denver",
  "securedParty": "Triangle Equipment Finance LLC",
  "businessFormedDate": "2026-02-18",
  "businessAgeYears": 0.4,
  "entityStatus": "Good Standing",
  "registeredAgent": "JOURDEN DEMOURA WADDLES",
  "priorFilingsCount": 0,
  "isStacked": false,
  "truckingMatch": true,
  "dotNumber": "8452444",
  "fleetSize": 2,
  "phone": "(303) 358-1094",
  "email": "dubstruckingllc@gmail.com"
}

A four-month-old trucking company that just financed equipment, with the owner-agent's name and a direct phone + email. Or the stacking view:

{
  "debtorName": "KAISER LOCK & KEY SERVICE, INC.",
  "securedParty": "C T Corporation System, as representative",
  "priorFilingsCount": 5,
  "priorLenders": "Corporation Service Company, As Representative | Clark Security Products, Inc. | FC Marketplace, LLC",
  "isStacked": true
}

A serial MCA user taking on another position — a debt-consolidation buyer's first call of the day.

Live-verified fill rates (2026-07-14, 820 records)

Field	Fill
Debtor name, street, city, ZIP	100% (all 3 states)
Secured party (lender)	97–100%
Stacking fields (CT, CO)	100% enriched; 46–48% isStacked
Business registry (CO)	69% matched · agent 50% · avg age 9.7y
Business registry (OR)	matched by exact name
Collateral description (CO)	~80%
Phone/email on FMCSA-matched trucking debtors	phone 100% · email ~90%

Only registry-native contact data ships. Vendors selling "phone-appended" UCC lists append skip-trace data you can't legally redistribute; every field here is itself a public record.

Volume

Mode	What you get
Daily feed (daysBack: 1–7, scheduled)	~400–600 fresh originals/day across CT+CO (+OR monthly batch)
Aged sweep (daysBack: 90–365)	Tens of thousands of classified, stacking-scored archive leads

Input

Field	Type	Default	Notes
states	array	["CT","CO","OR"]	Which registries to scan
daysBack	integer	7	1–365. Small = fresh feed; large = aged-lead archive sweep
leadTypes	array	[] (all)	e.g. ["mcaOrAltLender","confidentialRep"]
debtorKeyword	string	—	Debtor name must contain this (e.g. TRUCKING)
enrichStacking	boolean	true	Prior filings + prior lenders + isStacked (CT, CO)
enrichRegistry	boolean	true	Business age, status, registered agent (CO, OR)
enrichTrucking	boolean	true	FMCSA phone/email/fleet for trucking-looking debtors
fmcsaMatchAll	boolean	false	Attempt FMCSA match on every debtor (slower)
enrichMedical	boolean	false	NPI Registry phone/specialty for medical debtors
maxItems	integer	—	Hard cap on records pushed
onlyNewSinceLastRun	boolean	true	Scheduled runs only return (and charge for) new filings

Tip: set a free Socrata app token as the SOCRATA_APP_TOKEN environment variable for higher rate limits on big archive sweeps.

Output record

filingId, filingState, filingNumber, filingDate, lapseDate, filingType, leadType, debtorName, debtorStreet, debtorCity, debtorState, debtorZip, securedParty, securedPartyLocation, collateral, priorFilingsCount, priorLenders, lastPriorFilingDate, isStacked, businessFormedDate, businessAgeYears, entityStatus, entityType, registeredAgent, truckingMatch, dotNumber, fleetSize, drivers, phone, email, phoneSource, medicalMatch, npiNumber, specialty, saferUrl, filingImageUrl, source.

Pricing (Pay-Per-Event)

Event	Price
query (per run)	$0.01
ucc-lead (per record)	$0.02

500 classified, stacking-scored, registry-enriched filings ≈ $10.01. The same records cost $100–$375 from a list broker — without the stacking intelligence.

Recipes

• MCA consolidation feed: leadTypes: ["mcaOrAltLender","confidentialRep"], daily schedule, filter output isStacked = true.
• Fresh-borrower trucking leads with phone: filter truckingMatch = true — new equipment + direct phone + fleet size.
• Young-business lender watch: filter businessAgeYears < 2 — newly formed companies taking first financing.
• Equipment-refi prospecting: leadTypes: ["equipmentFinancing"], sort by priorFilingsCount — proven borrowers with equipment to refinance.
• Tax-resolution prospecting: leadTypes: ["taxLien"] — CT municipal/state liens + CO business IRS liens.
• Aged-list building: daysBack: 365, maxItems: 50000 — archive-scale lists at 4–10% of broker prices.

FAQ

Is this legal to use and resell? The filings are public records published by the states on their official open-data portals, specifically for public consumption. Phone/email come only from the FMCSA census and NPI Registry — federal public registries. No scraped or license-restricted contact data.

Why only CT, CO and OR? They're the only states publishing their complete UCC stream as machine-readable open data today. (California and Florida gate theirs behind anti-bot walls or paid subscriptions.) More will be added as states publish.

Why is phone empty on most non-trucking records? No state UCC registry publishes debtor phones. This Actor only ships contact data that is itself a public record — that's what makes it safe to build a business on.

What does confidentialRep mean? Funders (typically MCAs) file under a filing agent's name — "C T Corporation System, as representative" — to hide their portfolio from competitors. The disguise is itself a strong MCA signal, and the stacking fields show you the debtor's full financing history anyway.

Compliance note: you are responsible for complying with telemarketing rules (e.g. DNC) in your jurisdiction. This is public-record business data, not consumer credit data, and is not FCRA-regulated consumer information.