Nearly 879,000 UCC filings from the last 15 months — drawn from Middesk's proprietary dataset — offer one of the clearest signals of where secured credit is heading. When you read between the liens, patterns emerge: who's borrowing, which sectors are accelerating, and how economic pressure is shaping credit behavior as we move into 2026.
In this session, we gather the Head of Data at Middesk, Chief Risk Officer at Altbanq, and Chief Economist at Raddon, a Fiserv Company to break down the trends inside UCC activity from July 2024 through September 2025. We'll show how different business ages, industries, and states contribute to shifting demand — and what these signals mean for underwriting strategy, risk appetite, and portfolio growth next year. We'll also cover practical ways banks and fintechs are incorporating entity-level intelligence and lien visibility into onboarding, decisioning, and monitoring to make more confident calls in real time.
Attendees will learn:
- What 12 months of lien data reveal about 2026's credit landscape
- Which sectors and geographies are driving secured lending demand
- How business age and entity type influence lien activity
- How lenders are modernizing onboarding + monitoring with richer identity data
- Where the biggest opportunities and blind spots lie for the year ahead
