FundzKnowledge Base
Signals

Lender Intelligence (UCC)

UCC filings turned into timing: refinancing windows with dates on them, stacked borrowers ready for a second position, and a directory of who finances whom.

What the signal is

When a business takes on secured financing, the lender files a UCC-1 financing statement — a public record naming the borrower, the lender, and the collateral. Fundz ingests these filings (California today, more states on the roadmap), matches each borrower to a company in the Fundz graph, and — this is the part a list vendor can't do — tracks the lifecycle: liens lapse five years after filing, terminations mark paid-off loans, and stacking patterns reveal borrowing appetite.

The five lender surfaces

Renewal Radar

Active liens lapsing within 12 months. The incumbent lender must re-file or lose priority — every approaching lapse is a refinancing conversation with a date on it. Ranked by lapse proximity, lapsing count, and stack depth.

Stacked Borrowers

Companies with active secured debt from two or more distinct lenders and a filing in the last 24 months — proven appetite for layered financing; the classic second-position and consolidation target.

Bridge Candidates

A composite scorer fusing refi terminations, lapsing liens, active secured debt, and a funding-runway gap (raised 12–24 months ago, nothing since) into one ranked who-needs-capital-now list.

New Secured Debt & Lien Terminated

The event feeds: fresh UCC-1 originations (who just borrowed, from whom) and UCC-3 terminations (who just paid a loan off — a freed-collateral refi window).

Lender Directory

Who finances whom: 8,600+ secured parties ranked by filing volume, with active-lien and lapsing-soon exposure per lender.

Where to find it

All five surfaces live as signal-type chips on Companies in Motion(app.fundz.net/companies) — Renewal Radar, Stacked Borrowers, Bridge Candidates, New Secured Debt, and Lien Terminated — each with composite scores and every drawer filter (industry, location, size). The public overview with the Lender Directory lives at app.fundz.net/lender-intelligence. You can also just ask: “whose liens lapse soon?” or “show me stacked borrowers in construction” in the command bar or by voice.

Daily alerts: open the Renewal Radar or Stacked Borrowers chip and click "Email me new entries daily" in the explainer. You'll get one email after the morning re-score — only on days when new companies actually entered the cohort — with each company's lapse date, incumbent lender, and score. And when you draft outreach with SmartSend, the lien's lapse date is fed in as the lead why-now automatically.

The Fundz difference vs. a UCC list vendor: lists are point-in-time exports. These cohorts re-score every morning, badge what entered the window this week, and join secured-lending records to the funding, hiring, and expansion signals already in your feed — so you see not just who borrowed, but whose financing situation is about to change.

Who it's for

Working-capital and MCA providers, ISOs and brokers hunting stacking/consolidation targets; equipment-finance reps timing competitor displacement at lien lapse; factoring and AR-finance originators; SBA and community-bank business development; and bridge or venture-debt lenders qualifying capital need. Lender Intelligence is a Strategic-tier feature — see fundz.net/pricing.