FundzKnowledge Base
Signals

Lender Intelligence

Know when a business is about to need new financing: loans coming up for renewal with a date on them, borrowers already using several lenders, and a directory of who lends to whom.

What the signal is

When a business takes on secured financing, the lender files a UCC-1 financing statement: a public record naming the borrower, the lender, and the collateral. Fundz ingests these filings (California, Colorado and Connecticut today, more states on the roadmap), matches each borrower to a company in the Fundz graph, and then tracks each lien over time, which a one-off list can't do: liens lapse five years after filing, terminations mark paid-off loans, and stacking patterns reveal borrowing appetite.

The five lender surfaces

Renewal Radar

Active liens lapsing within 12 months. The incumbent lender must re-file or lose priority, so every approaching lapse is a refinancing conversation with a date on it. Ranked by lapse proximity, lapsing count, and stack depth.

Stacked Borrowers

Companies with active secured debt from two or more distinct lenders and a filing in the last 24 months: proven appetite for layered financing; the classic second-position and consolidation target.

Bridge Candidates

A composite scorer fusing refi terminations, lapsing liens, active secured debt, and a funding-runway gap (raised 12–24 months ago, nothing since) into one ranked who-needs-capital-now list.

New Secured Debt & Lien Terminated

The event feeds: fresh UCC-1 originations (who just borrowed, from whom) and UCC-3 terminations (who just paid a loan off, which frees collateral for a refinance).

Lender Directory

Who finances whom: secured lenders ranked by filing volume, with active-lien and lapsing-soon exposure per lender.

Where to find it

All five surfaces live as signal-type chips on Companies in Motion(app.fundz.net/companies): Renewal Radar, Stacked Borrowers, Bridge Candidates, New Secured Debt, and Lien Terminated (Refi), each with composite scores and every drawer filter (industry, location, size). The public overview with the Lender Directory lives at app.fundz.net/lender-intelligence. You can also just ask: “whose liens lapse soon?” or “show me stacked borrowers in construction” in the command bar or by voice.

Daily alerts: open the Renewal Radar or Stacked Borrowers chip and click "Email me new entries daily" in the explainer. You'll get one email after the morning re-score, only on days when new companies actually entered the cohort, with each company's lapse date, incumbent lender, and score. And when you draft outreach with SmartSend, the lien's lapse date is fed in as the lead why-now automatically.

The Fundz difference vs. a UCC list vendor: lists are point-in-time exports. These cohorts re-score every morning, badge what entered the window this week, and join secured-lending records to the funding, hiring, and expansion signals already in your feed, so you see not just who borrowed, but whose financing situation is about to change.

Who it's for

Working-capital and MCA providers, ISOs and brokers hunting stacking/consolidation targets; equipment-finance reps timing competitor displacement at lien lapse; factoring and AR-finance originators; SBA and community-bank business development; and bridge or venture-debt lenders qualifying capital need. Lender Intelligence is a Strategic-tier feature. See fundz.net/pricing.

Last updated September 2026