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UCC Debtor Encumbrance Lookup
x402
UCC Debtor Encumbrance Lookup is a paid API for AI agents from payai.agentstools.dev, paid per call via x402, $0.03/call, status unknown (last checked 2026-09-14).
Returns the full lien and encumbrance profile for a business, including active UCC-1 financing statements, tax liens, judgment liens, and secured creditor summary with distress signals.
Price / call$0.03
Success—
StatusUnknown
How this service works
Secured-lending due-diligence for a business. Give a company name and a state and get its encumbrance profile: which secured creditors hold liens on its assets, the active UCC-1 financing statements plus federal, state and municipal tax liens, judgment and labor liens, each with a computed effective status, and a summary with the active secured-creditor count and distress signals. Cited to the official state open-data portal. Informational public record, not a credit decision.
Output
Returns a structured encumbrance profile for the queried business, including: a list of active UCC-1 financing statements with secured party names and collateral descriptions, federal/state/municipal tax liens, judgment and labor liens, each with a computed effective status (active/lapsed/terminated), an aggregate summary of active secured creditor count, and distress signal indicators, all cited to the official state open-data portal.
Example use cases
Pre-loan due diligence on a borrower
“Before we extend a line of credit to Bridgeport Logistics LLC in Connecticut, can you check their encumbrance profile — I need to see any UCC-1 financing statements, tax liens, and who else already has a security interest in their assets?”
Vendor risk check before signing a contract
“We're about to sign a major supply agreement with New Haven Fabricators. Can you pull their lien profile for Connecticut and flag any distress signals like judgment liens or delinquent tax filings?”
M&A target lien screening
“We're doing preliminary due diligence on acquiring Stamford Industrial Group in Connecticut — can you get their full encumbrance profile, including all active secured creditors and any outstanding UCC or tax liens?”
Technical details
Endpoint
GEThttps://payai.agentstools.dev/ucc/debtorWhen to prefer
Use this endpoint when you need structured, cited lien due diligence on a business from official public records — particularly for pre-loan underwriting, M&A screening, or vendor risk assessment in Connecticut. It aggregates UCC-1, tax, and judgment lien data in a single call with computed statuses and distress signals, saving manual research against state portals. Currently limited to Connecticut; choose alternatives for other states.
Side effects
- Business name not found in UCC index — fuzzy match may return no results for obscure or misspelled names
- State parameter limited to CT only — requests for other states will fail or return an error
- Stale data if the state open-data portal has not been recently updated
- Ambiguous business names may return multiple potential matches requiring disambiguation
- Network or upstream data portal outage causing lookup failure
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Tags
x402
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