Best Companies to Help If Your MCA Settlement Didn’t Include UCC Lien Termination — 2026

Top Companies to Remove UCC Liens After MCA Settlement — 2026

Getting a UCC lien killed after settlement takes an attorney who knows UCC Article 9 inside and out — the filing office procedures, the statutory remedies, and what to do when a secured party refuses to act. The firms below are ranked by one thing: their ability to get these liens terminated.

Why Missing UCC Termination Is the Most Costly Settlement Mistake

Most business owners obsess over the settlement number. They negotiate the payoff, write the check, and think the fight is over. It is not. That UCC lien — sitting quietly in the Secretary of State’s records — is still active. And it is strangling your ability to grow.

You cannot get new financing. Every lender runs a UCC search before approving a loan. An active UCC-1 from an MCA funder tells them someone else has first dibs on your assets. Most lenders walk away. The ones who stay charge you through the roof.

Your business credit takes a hit. Active UCC liens show up on your Dun & Bradstreet, Experian, and Equifax business credit reports. The debt is paid — but the lien screams ongoing risk to anyone who pulls your report.

The funder keeps control. An active UCC lien means the funder technically still holds a security interest in your business assets. Could they try to enforce it even though the debt is settled? Unlikely. But the threat is real — and they know it.

The UCC §9-513 Process: How to Force Termination

Step 1: Search the UCC records. Your attorney searches the UCC filing records in the state where the lien was filed (typically the state where your business is organized). This confirms the lien is active and identifies the filing number, secured party, and collateral description.

Step 2: Send an authenticated demand. Under UCC §9-513(c), the debtor sends an authenticated demand to the secured party requiring them to file a termination statement. The demand must be in writing, identify the filing, and state that the obligation has been satisfied. Send it by certified mail.

Step 3: Wait 20 days. The statute gives the secured party 20 days to file the UCC-3 termination statement after receiving the demand. If they file it, you are done.

Step 4: Pursue statutory remedies. If the funder fails to file within 20 days, they are in violation of the statute. Under UCC §9-625, you can recover actual damages caused by the failure to terminate, plus statutory damages of $500 in many states. Your attorney files a court action to compel termination and recover damages.

Step 5: Direct filing. Under UCC §9-509(d)(2), in some states the debtor can authorize the filing of a termination statement directly with the filing office if the secured party fails to comply. Your attorney determines whether this option is available in your state.

What to Do Right Now

1. Search your UCC records. Check with the Secretary of State in your state of organization. Most states offer online UCC searches. Look for active UCC-1 filings from MCA funders.

2. Gather your settlement documentation. You need the settlement agreement, proof of all settlement payments, and any correspondence confirming the debt was fully resolved.

3. Call Delancey Street. Call (212) 210-1851. Their attorney network handles UCC termination demands every day. They will send the authenticated demand, pursue statutory remedies if needed, and get the lien terminated. Do not let an old lien block your business growth one more day.

Top Companies to Remove UCC Liens After MCA Settlement — 2026

Only one firm on this list — Delancey Street — handles UCC lien termination: authenticated demands, UCC §9-513 compliance, and statutory remedies. The other two handle broader debt categories.