Step 4 of 5

End their claim: the UCC-3

What the filing is, how to look yours up, and a letter asking them to end it.

What this is

When you signed, your factor most likely filed a public form called a UCC-1 financing statement. It tells other lenders the factor has a claim on your invoices, and sometimes on more. It stays on the public record until the factor files a UCC-3 termination.

If it stays up after you’ve left, a bank or a new factor may see a claim that isn’t real any more. That can slow down or block new financing.

How to look yours up

Find the Secretary of State website for the state your company was formed in. For a company, that is usually where the filing is made.
Open its UCC search and search your company’s exact legal name.
Find filings where your factor is the “secured party.” Write down the file number and the filing date.
Check again a few weeks after you send the letter.

Timing

Most states follow a version of UCC 9-513, which sets a deadline measured in days for a secured party to file a termination after it receives your written demand, once nothing is owed. State versions differ in the details, and the deadline does not start while there is still a balance.

Your details

Used in every letter. Fill in what you know; the rest shows as [brackets] you can type over.

Your nameYour companyYour MC numberYour mailing addressYour emailYour phone Your factorFactor’s notice addressFactor’s email for notices (if the agreement lists one)Date of your agreementDate your agreement endedState where the filing was madeUCC-1 file number (if you found it)

🔒 Everything you type or paste here stays in this browser. It is not sent to Haul Factor and not saved on our servers. Details are kept for this tab only so the letters can share them.

One question

Have you paid everything the factor says you owe?

Yes, it’s paid or nothing is owed No, there is a disagreement or a balance

Settle the balance firstA demand to end the filing works when nothing is secured any more. If there’s a balance or a disagreement, finish step 3 first and talk to a lawyer before you send this. The letter below is edited to say what is true.

Your letter

You can edit the letter right here before you copy it. Send it the way your agreement says, keep a copy, and keep proof of delivery.

General information, not legal advice.These are templates and plain-language explainers. Contracts and state laws differ, and we haven’t read yours. If your factor is fighting you, or the amounts are big, talk to a lawyer. We’re not one, and we’re not a factor.

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