UCC continuation window calculator

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Original filing date of the UCC-1

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The rule

Under UCC section 9-515, a financing statement is generally effective for five years after its filing date and lapses at the end of that period unless it is continued. A continuation statement is effective only if it is filed within the six months before the lapse date. When a continuation is filed on time, the financing statement stays effective for another five years, measured from the date it would otherwise have lapsed.

That is why the calculator shows the next lapse date: continuing a filing does not reset the clock to the continuation date.

Exceptions to check

• Financing statements in public-finance and manufactured-home transactions can be effective for 30 years.
• Filings against a transmitting utility can remain effective until terminated.
• A recorded mortgage that serves as a fixture filing stays effective until the mortgage is released or terminated.

Practical tips

• Do not wait for the last week. Filing offices differ on processing cutoffs, and weekends and holidays do not always extend the deadline.
• Confirm the filing date from the filing office record, not from a loan file or closing binder.
• Run a post-filing search to confirm the continuation indexed against the correct initial file number.

This calculator applies the general five-year rule. It does not account for every state variation, filing office practice, or holiday. Confirm deadlines with your legal team.

Need a continuation filed? Send the file numbers and we will handle it.