UCC monitoring for merchant cash advance funders

The problem

Stacking is the defining risk in merchant cash advance: a merchant you funded takes a second (or fifth) advance, and the first sign is usually a new UCC-1 from a competing funder. By the time it shows up in payment behavior, the position has already deteriorated. The public UCC record shows it first — but only if someone is watching every merchant, every day.

What PerfectUCC does for MCA funders

• ✓Same-day alerts when a competing funder files a UCC-1 on a merchant in your book
• ✓Retrospective backfill so you see a prospect’s existing positions before you fund
• ✓Termination and continuation signals — payoff and renewal opportunities, not just risk
• ✓Every state you fund in on one stream, no per-portal searching

FAQ

How does UCC monitoring detect stacking?

When a competing funder perfects a new advance, they file a UCC-1 financing statement against the merchant. PerfectUCC watches the public UCC record for every merchant you’ve funded and alerts you the moment a new filing appears — the earliest reliable signal of a stacked position.

Can I check a merchant’s existing positions before funding?

Yes. Add the merchant and PerfectUCC surfaces their existing UCC lien history immediately, so you can see competing secured parties before you commit capital.