What’s the difference between a real estate lien and a UCC-1 filing?

Real Estate Liens (Mortgages/Deeds of Trust) are filed in county land records and give a lender the right to foreclose on real property (land and buildings). Proof of lien comes through a recorded mortgage or deed of trust.

A UCC-1 filing (Financing Statement) is filed with the Secretary of State. It doesn’t attach to land, but to personal property — things like contracts, promissory notes, vehicles, or business equipment. It creates evidence that you claim an interest.

Key Rule: Real estate = county recorder. Personal property = Secretary of State. BusinessFlow Control™ teaches you to use both correctly.