# UCC Debtor Encumbrance Profile Lookup

> UCC Debtor Encumbrance Profile Lookup is a paid API for AI agents from api.agentstools.dev, paid per call via x402, $0.03/call, status unknown (last checked 2026-09-15).

Returns the full UCC-1 financing statement and lien encumbrance profile for a named business debtor in a given US state, including secured creditor details, active/terminated status, and distress signals.

## Facts

- Endpoint: GET https://api.agentstools.dev/ucc/debtor
- Price: $0.03/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/ucc-debtor-encumbrance-profile-lookup-b5f5ffa8
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_5yFtJqHhS3M3LQIythkJ7

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-profile-lookup-b5f5ffa8
```

Example prompt: Can you pull the UCC lien and encumbrance profile for Acme Logistics LLC in Connecticut — I want to see who their secured creditors are, any active UCC-1 financing statements, and whether there are any tax or judgment liens on them before we extend credit?

## When to prefer this

Use this endpoint when you need a fast, cited public-record UCC lien search on a named business for secured-lending due diligence, compliance checks, or counterparty risk assessment. It is specifically suited for retrieving encumbrance profiles (UCC-1s plus tax and judgment liens) with computed statuses and distress signals in a single call, rather than manually searching state portals. Prefer this over generic business data APIs when lien and creditor encumbrance data is the primary need.

## Known failure modes

- Debtor name not found in state index — returns empty results or no match
- State not supported (only CT currently in enum) — returns validation error
- Ambiguous debtor name matches multiple entities — may return multiple or incorrect records
- State UCC index temporarily unavailable — upstream data source error
- Malformed query parameter — 400 validation error

## 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

A structured JSON encumbrance profile listing all UCC-1 financing statements and federal, state, and municipal tax liens, judgment liens, and labor liens found against the debtor, each with computed effective status (active/terminated/lapsed), plus a summary showing the active secured-creditor count and any distress signals, 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-profile-lookup-b5f5ffa8/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.agentstools.dev](https://www.zero.xyz/host/api.agentstools.dev/llms.txt)