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What Is a UCC-3 and Why Would You File One?

A UCC-3 can wear many hats. It can be used to continue, amend, or terminate your UCC filing. It can also be used to assign your interest to another secured party.

Check out this infographic to learn more about the UCC-3 and the role it plays in your security interest.

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17 Common Words in Mechanic's Liens and Construction Credit

Every business has its own keywords, phrases, and acronyms. Here are some of the most common terms you may hear in mechanic's liens & construction credit.

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Texas Mechanic’s Lien Statute Changes 2022

Here's a look at the Texas statutory changes effective for general contracts executed on or after January 1, 2022.

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Furnishing Dates and Your Mechanic's Lien Rights

Notice, mechanic's lien/bond claim, and suit deadlines are frequently calculated from your first furnishing date, last furnishing date, and/or the date of entire project completion.

Are you serving preliminary notices, filing mechanic's liens, and serving bond claims? Make sure you know your furnishing dates!

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Payment Bonds and Bond Claims in Construction

Payment bonds / bond claims are a payment security often available for those furnishing to public and federal construction projects, and even the occasional private project.

In this infographic, you will learn who is a party to the payment bond, who is protected by the payment bond, how to know whether a payment bond has been issued, and when and how a bond claim should be served.

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Serve a Preliminary Notice to Protect Mechanic's Lien Rights in these States

The first step to secure mechanic's lien rights on a private project may be to serve a preliminary notice.

A preliminary notice is not a mechanic’s lien. It's a prerequisite to filing a mechanic's lien and identifies you as a supplier of labor and/or materials to the construction project.

Depending on the state in which it's served, a preliminary notice may go by a different name.

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Serve a Preliminary Notice to Protect Bond Claim Rights in these States

The first step to secure bond claim rights on a project may be to serve a preliminary notice.

A preliminary notice does not reflect negatively upon the creditworthiness of your customer or any party within the ladder of supply.

Depending on the state in which it's served, a preliminary notice may go by a different name.

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Still Using Credit Insurance? Here Are 5 Reasons to Consider UCC Filings Instead

Suppliers have widely used credit insurance to protect their accounts receivable, but credit insurance companies are cutting coverage and slashing policies to maintain their own bottom lines.

While insurance companies deliver crippling blows to businesses’ financial security, credit departments have been carefully reevaluating risk mitigation strategies, and it’s brought UCC filings into renewed focus.

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All Lien Waivers Aren't the Same

Did you know, there are different types of lien waivers? There are four primary types of lien waivers: partial conditional, final conditional, partial unconditional, and final unconditional. 

In most states you can use a general lien waiver template. But be careful, more than a dozen states have format requirements dictated by statute.