A UCC-1 expires five years after filing. As the lapse approaches, the incumbent lender must re-file or lose priority — which makes every approaching lapse a financing decision with a date on it. Fundz ranks active liens by that date, flags borrowers already carrying two or more lenders, and connects each filing to the company behind it.
48,728 active liens · California and Colorado · as of July 2026
Most lending desks prospect from a UCC extract: pulled by state, sorted by filing date, worked top-down until it goes cold. But a borrower who financed equipment four months ago is not in the market — and the one whose lien lapses in eleven weeks is, whether or not anyone has called them. The whole game is timing: the lapse window opening, the round that just changed what they can service, the headcount ramp that means new assets to finance.
You work 40 names off a state extract. Most financed something years ago and have no open need. One took a position last quarter with somebody else. “Are you looking for capital right now?” is your opening question — because the list could not tell you.
“We're all set. Maybe try us next year.”
Fundz surfaces a borrower whose lien lapses in eleven weeks, who already carries positions from two other lenders, and who raised capital this year — with the incumbent secured party named and the company profile, contacts and funding history attached. Your first call opens on the date.
“Funny you called — we were just about to look at that.”
Built on the public UCC record — 118,898 filings across California and Colorado as of July 2026 — fused with the funding, hiring and executive signals Fundz already tracks against the same companies.
Coverage today is California and Colorado — state-segmented, the way secured lending is underwritten and the way this data is already bought. Colorado is refreshed on a weekly cycle from the state open-data feed; California is loaded from the Secretary of State bulk file. All figures on this page were measured against the production corpus in July 2026 and are point-in-time counts. Additional states are on the roadmap; we would rather name the two we have built than imply fifty.
Same public record. A completely different question answered: not who filed — whose financing decision is open now.
A UCC-1 lapses five years after its filing date unless the secured party files a continuation statement in the six months before that date. When it lapses, the lender loses perfected lien priority — which is why an approaching lapse is a financing decision with a date attached to it.
Fundz Renewal Radar ranks active UCC liens by how soon they lapse. As of July 2026 there are 7,019 liens lapsing within twelve months across California and Colorado, 1,474 of them inside ninety days. Each one is a borrower whose incumbent lender must re-file or lose priority.
A stacked borrower carries active secured debt from two or more different lenders at the same time. Stacking demonstrates proven appetite for layered financing, which makes these businesses the classic second-position, refinancing and consolidation targets. As of July 2026 Fundz tracks 5,748 borrowers with two or more active secured parties, including 2,820 with three or more.
California and Colorado, comprising 118,898 filings as of July 2026. Colorado is refreshed on a weekly cycle from the state open-data feed; California is loaded from the Secretary of State bulk file. The market is segmented by state because that is how secured lending is underwritten and how this data is sold.
A list export answers "who filed." It is a static snapshot sorted by filing date, and it goes stale the moment you buy it. Fundz answers "whose financing decision is open now" by ranking liens on lapse proximity, flagging borrowers carrying multiple lenders, and connecting each filing to the company profile, funding history, hiring signals and verified contacts behind it.
Independent equipment-finance lenders, merchant cash advance providers, ISOs and brokers, factoring companies, and bank and credit-union commercial teams — anyone whose pipeline depends on reaching a borrower during the window when their existing financing is actually in play.
Every UCC-1 names a debtor, a secured party, the collateral and a filing date from which the five-year clock runs. Anyone can pull the file. What a file cannot tell you is that the same borrower also carries a second position, raised capital this year, and is ramping headcount into equipment they do not yet own — the forces that turn a routine continuation into an open decision.
118,898 filings. 48,728 active liens. Cross-referenced against verified funding events and live hiring signals for the same companies — the fusion you cannot build from a CSV.
Lapse dates you can work backwards from. Stacked borrowers who have already proven they will take a second position. See the live data free — no account required.