Your UCC record in Colorado
Funders file a UCC-1 financing statement with the Colorado Secretary of State UCC Online to put other creditors on notice. Search it by your exact legal business name. Lien position: a UCC filing names a secured party, not who gets paid first.
Levraq reads this registry: 427 filings naming a known MCA funder are on record, last read 2026-11-04. This is one state's registry, not national coverage. A matching filing shows on your Debt Pressure Report; no match is not proof that nothing was filed.
Commercial financing disclosure in Colorado
Levraq has not recorded a Colorado statute requiring commercial financing providers to disclose cost and terms. Ask a lawyer licensed in Colorado whether one applies to your contract.
Confession of judgment in Colorado
Levraq has not recorded a Colorado statute on confessions of judgment in commercial contracts. Whether a confession of judgment in an MCA contract can be entered against a Colorado business is a question for a lawyer licensed there.
Work the numbers
Two calculators that need nothing from any registry: the annualized cost of an advance, and the share of revenue going to remittances. The Debt Check combines both with what you report.
Total payback
$67,500
Advance × factor rate
Cost of the advance
$17,500
Payback minus advance
Simple annualized rate
71%
Cost ÷ advance × 365 ÷ term days. Not a compounded APR; the true cost of a daily-remittance advance is higher because the balance falls while the fee does not.
Average daily payment
$375
Payback ÷ term days
Monthly remittance
$9,450
Daily × 21 business days
Remittance-to-revenue
24%
Between 10% and 25%: Strained in the Debt Check rule.
Paid to advances per year
$113,400
At today's pace
UCC coverage is five states (CT, CO, OR, FL, CA) plus SEC filers; no match is not proof of no filing. Informational only, not legal or financial advice. Levraq is a diagnostic and referral service, not a lender, law firm or debt-settlement company. See about.
Run the Debt Check for a Colorado business
