Home · File or release a commercial lien

We file commercial liens for you — and we take them off

When an unpaid B2B invoice is not moving, a lien puts your claim on the public record so later lenders and buyers can see it. When they pay, we file the release so the record is clean again. Pay as you go. No contracts. Extra states are extra filings.

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What you get

  • Coverage in every U.S. state. Texas, California, New York, or anywhere else the debtor is organized — one process for you.
  • A public record of your claim. A UCC-1 financing statement tells other creditors you have a security interest in the receivables.
  • Priority, not just a reminder. Once perfected, your interest generally ranks ahead of most later filers on the same collateral.
  • Pay as you go. No contracts. File or release when you need it. Each request is one state; additional states are additional filings. The price appears when you file.
  • Take it off when they pay. Request a release in the portal. We file the UCC-3 termination so lenders and buyers no longer see the lien.
  • The official number in your portal. When the filing — or the release — is on record, you see the confirmation on the account — not in a pile of PDFs.
  • A five-year clock you will not miss. UCC-1s lapse unless continued. We flag the window so you can keep the protection in place.

Why creditors file

Reminders and payment plans ask the customer to pay. A commercial lien changes the file: your interest is public, and a buyer or lender who searches the debtor will typically see it. That can make it harder for the account to be refinanced or sold out from under you, and it can improve your position if the business later has more than one creditor.

You stay in the FixPayment portal you already use for invoices. Open the account, confirm the legal name, and we take it from there — no contract to sign first.

What a lien can cover

  • UCC-1 — the usual filing on accounts receivable and related commercial collateral.
  • Release (UCC-3 termination) — take the lien off the public record when the debt is paid.
  • Continuation — keep the lien alive before year five.
  • Mechanic’s or judgment liens — when the claim is against property or follows a court judgment, those can be recorded as well.

What it does not do

A UCC-1 perfects a security interest. It does not create one. An unpaid invoice by itself is usually not enough. Your sales contract, credit application, or a separate security agreement should already grant a security interest in accounts.

The debtor name must be the exact legal name on the state’s records — not a DBA or trade style. A wrong name can cost you the priority you paid to get. This is not legal advice.

FAQ

Do you file in all 50 states?

Yes. Each request is one state — usually where the customer’s business is organized. Need more states? Those are additional filings, still pay as you go. Releases work the same way.

Is there a contract?

No. Filing and release are pay as you go. No contract. The price appears when you file or release.

Can you release a lien you filed?

Yes. Open the filed lien in the creditor portal and request a release. We file the UCC-3 termination so the public record no longer shows the lien.

How long does a UCC-1 last?

Five years, unless you continue it. We remind you before it lapses.

Is this legal advice?

No. You remain responsible for your contracts, names, and compliance. FixPayment files or releases the commercial lien you request.

Related: unpaid invoice recovery, FAQ, creditor signup.