What a UCC Attorney Does
A UCC attorney specializes in the Uniform Commercial Code governing commercial transactions, secured transactions, and liens. In the MCA context, they help challenge, remove, or manage UCC-1 financing statements filed by MCA funders against your business assets.
When You Need One
You need a UCC attorney when an MCA funder’s UCC lien blocks traditional financing, when the filing exceeds what your contract authorized, when the funder refuses to terminate after payoff or settlement, when multiple filings from stacked MCAs create priority disputes, or when you need to understand asset encumbrances before business decisions like selling or taking new financing.
How a UCC Attorney Resolves Lien Issues
The attorney reviews every UCC filing against your business, compares each to the underlying contract, and pursues resolution through demanding termination of improperly filed or expired liens, filing UCC-3 corrections or terminations on your behalf, negotiating subordination agreements allowing new financing, challenging blanket liens exceeding contract authorization, and obtaining court orders when funders refuse to cooperate.
The Intersection with MCA Defense
UCC issues rarely exist in isolation. They connect to broader MCA disputes including default, settlement, and litigation. The best approach is an attorney handling both MCA defense and UCC issues because the UCC strategy must coordinate with overall resolution. Resolving a lien without addressing the underlying obligation provides only temporary relief.
Cost and Value
UCC attorney fees for lien disputes typically range from $1,500 to $5,000 per filing. The value is measured in financing opportunities that become available once liens are cleared. A business denied a $500,000 SBA loan because of MCA UCC liens is losing far more than the cost of clearing those liens.