Use this endpoint to file a lien with a state UCC. Use this endpoint to file a lien with a state UCC. The lien status will progress from created to pending when Middesk starts fulfillment. The status will change to filed once Middesk submits the filing to the state. If you need a UCC-1 as proof of filing, talk to Sales about enabling Lien Reflection. In that case, the lien status will change to filed once Middesk submits the filing to the state and to open once Middesk reflects the filing. You can subscribe to the lien.updated event with a webhook.
Note for filings in Tennessee (TN), if your account settings indicate that taxes are owed, the loan_principal_amount_cents field must be greater than 0. If a tax-owing customer attempts to submit a TN filing with loan_principal_amount_cents = 0, our API will return an error and prevent submission, as Tennessee's UCC filing system rejects filings with a $0 loan amount.
This requirement applies only to customers with tax-owing status for TN filings. Customers who do not owe taxes can continue submitting filings without this restriction.