Liens

Liens (Searching & Filing)

Secure your lending. Automate the lien lifecycle.

File, search, and monitor UCC liens in seconds. No manual effort, no risk of missed filings.

Trusted by 2,200+ industry-leading financial institutions

Filing delays, missed renewals, and manual state-by-state workflows expose lenders to risk — and slow everything down.

with baselayer you can
File liens instantly, across all 50 states

File liens instantly, without the friction

Submit UCC-1 and UCC-3 filings across all jurisdictions with auto-filled data and built-in compliance logic.

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By efficiently passing us the enriched data we need, Baselayer allows our team to progress faster and without the burden of potentially duplicating mistakes.

Submit with confidence, not guesswork

Validate business identity and status against state records before submitting to avoid rejections and errors.

Business Validation Form

Understand lien history at a glance

list of liens found for a business

Validate business identity and status against state records before submitting to avoid rejections and errors.

Stay protected, even after filing

Track status changes, new competitor filings, expirations, and UCC-3 deadlines in real-time. Baselayer notifies you before risk arises.

Handle 50 states without 50 workflows

Baselayer routes each filing according to its specific state rules, so you don’t have to.

Confidential Customer information

Keep your customers confidential

Use masked filing to prevent competitors from seeing lien activity without sacrificing compliance.

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reduction in manual lien filing time

Turn signals into smarter decisions

Product Managers

Eliminate bottlenecks by embedding fast, reliable risk checks directly into your onboarding and decisioning flows.

Credit & Underwriting Teams

Improve early-stage decisioning with richer data, clearer risk signals, and dynamic scores that go beyond credit files.

Risk & Fraud Teams

Spot identity anomalies, velocity patterns, and coordinated fraud attempts before they escalate — all in real time.

Compliance Teams

Strengthen regulatory coverage with structured, auditable signals from verified sources and always-fresh data.

Built for confident approvals

Baselayer connects fragmented data and applies AI to help you act early, and with more confidence.

Identity network

Tap into a cross-platform network to detect emerging fraud trends before they spread.

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Data sources

Bring public, proprietary, and partner sources together to strengthen every check with real-time insights.

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AI agents

Let Baselayer's AI agents put monotonous work on autopilot with unparalleled accuracy and scalability.

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Fraud consortium

Verified fraud intelligence from across the market, shared by top financial institutions and risk teams.

Fraud Consortium Final Min

Have questions? Find answers.

  • Baselayer gives you the power to search, file, and manage UCC liens across all 50 states from a single platform. You can search for existing liens, file new UCC-1s and UCC-3s, and track everything through one dashboard or API, without navigating multiple state system

  • Yes, you can file UCC-1s and UCC-3s in just a few clicks. Baselayer handles the formatting, validation, and submission for you, so what used to take hours now happens instantly and cleanly, without worrying about state-specific rules or rejections.

  • Baselayer gives you instant visibility into existing liens and lets you secure your position with new filings quickly. You’ll catch potential red flags early in your process, make faster credit decisions, and eliminate the back-and-forth that typically slows down due dilige

  • Most lien searches return results in under 30 seconds. You can run them manually when needed or integrate them directly into your credit workflows through our API, keeping your underwriting process moving at the speed your business demands.

  • Baselayer is built API-first with lenders in mind. You get nationwide coverage, intelligent matching technology, and a modern interface that actually works the way you need it to. No more dealing with outdated state portals, fragmented tools, or systems that weren’t designed for lending workflows.

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