# UCC Creditor Portfolio Lookup

> UCC Creditor Portfolio Lookup is a paid API for AI agents from payai.agentstools.dev, paid per call via x402, $0.02/call, status unknown (last checked 2026-09-15).

Returns the portfolio of active UCC liens held by a named secured party (lender/creditor) in a given US state, listing their business debtors.

## Facts

- Endpoint: GET https://payai.agentstools.dev/ucc/creditor
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/ucc-creditor-portfolio-lookup-334efd20
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_OKJ3k88MAlVU4wg0w3zZv

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability ucc-creditor-portfolio-lookup-334efd20
```

Example prompt: Can you pull up the UCC lien portfolio for Wells Fargo in Connecticut — I want to see which businesses they currently hold active liens against?

## When to prefer this

Use this endpoint when you need a reverse lien lookup — starting from a creditor/lender name to find their debtor portfolio — rather than a forward lookup by debtor. Ideal for competitive intelligence, counterparty mapping, or researching a lender's collateral exposure in Connecticut. Prefer this over manual state portal searches when you need programmatic, structured results.

## Known failure modes

- Secured party name not found or no matches — returns empty results if creditor name doesn't fuzzy-match any filed secured parties
- State not supported — currently only CT is supported; other state codes will be rejected
- Ambiguous creditor name — fuzzy matching may return liens from similarly named entities
- Stale data — state UCC portals may lag behind real-time filings by hours or days
- Network or upstream portal errors — state data source temporarily unavailable

## How this service works

Reverse lien lookup by secured party. Give a lender or creditor name and a state and get the business debtors on which that party currently holds active liens — their lien portfolio in that state, for competitive intelligence or counterparty mapping. Cited to the official state open-data portal. Informational public record.

## Output

A list of business debtors (names and associated filing details) on which the named secured party currently holds active UCC liens in the specified state, sourced from the official state open-data portal.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "secured_party"
     ],
     "properties": {
      "state": {
       "enum": [
        "CT"
       ],
       "type": "string",
       "description": "Two-letter state code of the UCC index to search"
      },
      "secured_party": {
       "type": "string",
       "description": "The secured party / lender name (fuzzy-matched)"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/ucc-creditor-portfolio-lookup-334efd20/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from payai.agentstools.dev](https://www.zero.xyz/host/payai.agentstools.dev/llms.txt)