# UCC Debtor Encumbrance Lookup

> 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.

## Facts

- Endpoint: GET https://payai.agentstools.dev/ucc/debtor
- Price: $0.03/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/ucc-debtor-encumbrance-lookup-b1fd1804
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_DBAcQ2UUFdG_b0zc4INsD

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-debtor-encumbrance-lookup-b1fd1804
```

Example prompt: Can you pull the full lien and encumbrance profile for Acme Manufacturing Inc. in Connecticut — I want to see any active UCC-1 filings, tax liens, judgment liens, and how many secured creditors they have?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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": [
      "debtor"
     ],
     "properties": {
      "state": {
       "enum": [
        "CT"
       ],
       "type": "string",
       "description": "Two-letter state code of the UCC index to search"
      },
      "debtor": {
       "type": "string",
       "description": "The business/debtor name to search (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-debtor-encumbrance-lookup-b1fd1804/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)