A UCC filing, short for Uniform Commercial Code filing, is a legal form that a lender files to declare a lien on a borrower’s collateral for a secured loan. This process is governed by the UCC, which standardizes commercial transactions across the U.S. The filing serves as public notice of the lender’s interest in the collateral, protecting their rights if the borrower defaults. UCC filings can impact a borrower’s ability to obtain further secured credit, as they indicate existing claims on their assets.