Mississippi: business records and regulators
Where to look a business up in Mississippi, where to search the UCC filings against it, and the offices that regulate banks, lenders and securities there.
Each link opens the state's own site in a new tab, so what you type there goes to that site, not to us. Some state searches charge a fee or ask you to make an account. Privacy
Mississippi records and regulators
Business search
Look a business up in the state's register of businesses.
UCC search
Find the UCC filings against a business: the financing statements lenders file to record a lien on its assets, such as a blanket lien.
Mississippi Secretary of State: UCC Search (opens in a new tab)
The public search gives basic information about the creditor and debtor for each filed document.
Banking and lending regulator
Oversees the banks the state charters. Check its site for the lender and broker licenses the state requires.
Securities regulator
The state office for securities offerings, brokers and investment advisers.
Find a lender in Mississippi
Official lists of the lenders that work in Mississippi. Each opens on its own site, filtered to Mississippi where the list allows it.
SBA 504 lenders (Certified Development Companies) (opens in a new tab)
The nonprofit lenders that make SBA 504 loans for property and big equipment, from the SBA's own list, filtered to the state.
SBA microloan lenders (opens in a new tab)
Nonprofit lenders that make SBA microloans of up to $50,000, from the SBA's own list, filtered to the state.
SBA Lender Match (opens in a new tab)
The SBA's own matching tool: you answer a few questions about your business on its site, and two business days later it gives you a list of the lenders interested; some may contact you. It is not a loan application. What you type goes to the SBA and those lenders, not to us.
Certified CDFIs (community lenders) (opens in a new tab)
The CDFI Fund's list of every certified community development financial institution (CDFI): loan funds, banks and credit unions. Download the list and sort it by the State column.
The FDIC's BankFind: search for the banks with offices in the state.
Credit unions (opens in a new tab)
The NCUA's credit union locator. Credit unions lend to their members, so check who can join.
Before you sign with any lender, check it is licensed: see the banking and lending regulator above, and Check a lender or platform. A few national lenders and platforms are named, with how they were chosen, in the provider directory.
State rules for Mississippi on our route pages
- Business line of credit: Mississippi's legal rate is 8% a year. On a line of credit whose advances are set to total more than $2,000, the parties can agree in writing any finance charge, whatever the security or the purpose, and the borrower cannot later claim usury. Below that, the limit is the greater of 10% a year or 5 percentage points above the Federal Reserve discount rate, unless another law allows more. Mississippi also requires a small loan license from the Department of Banking and Consumer Finance, and an office in the state, for anyone in the business of lending money; the law names no loan size or purpose. Banks, savings banks, trust companies, credit unions, insurers and pawnbrokers are left out, and so are farm loans, loans the federal government insures or guarantees (an SBA-guaranteed loan, for one), loans secured only by real estate, and occasional lenders. (Mississippi Legislature: SB 2172 (2001), as sent to the Governor, Section 75-17-1 of the Mississippi Code as amended; Mississippi Legislature: SB 2172 (2001), history of actions (approved by the Governor March 5, 2001); Mississippi Department of Banking and Consumer Finance: Consumer Finance Division (small loan licensing under the Small Loan Regulatory Law, 75-67-101 et seq.); Mississippi Code 1972 Annotated, free public access (LexisNexis): sections 75-17-1 (last amended by Laws 2001, ch. 317), 75-67-103, 75-67-105 and 75-67-135)
- Equipment loans and finance agreements: Mississippi's legal rate is 8% a year. On a loan or credit sale of more than $2,000, the parties can agree in writing any finance charge, whatever the security or the purpose, and the borrower cannot later claim usury. On $2,000 or less, the limit is the greater of 10% a year or 5 percentage points above the Federal Reserve discount rate, unless another law allows more. Mississippi also requires a small loan license from the Department of Banking and Consumer Finance, and an office in the state, for anyone in the business of lending money; the law names no loan size or purpose. Banks, savings banks, trust companies, credit unions, insurers and pawnbrokers are left out, and so are farm loans, loans the federal government insures or guarantees (an SBA-guaranteed loan, for one), loans secured only by real estate, sellers who finance their own sales on conditional sale contracts, and occasional lenders. (Mississippi Legislature: SB 2172 (2001), as sent to the Governor, Section 75-17-1 of the Mississippi Code as amended; Mississippi Legislature: SB 2172 (2001), history of actions (approved by the Governor March 5, 2001); Mississippi Department of Banking and Consumer Finance: Consumer Finance Division (small loan licensing under the Small Loan Regulatory Law, 75-67-101 et seq.); Mississippi Code 1972 Annotated, free public access (LexisNexis): sections 75-17-1 (last amended by Laws 2001, ch. 317), 75-67-103, 75-67-105 and 75-67-135)
- Online business loans: Mississippi's legal rate is 8% a year. On a loan of more than $2,000, the parties can agree in writing any finance charge, whatever the security or the purpose, and the borrower cannot later claim usury. On $2,000 or less, the limit is the greater of 10% a year or 5 percentage points above the Federal Reserve discount rate, unless another law allows more. Mississippi also requires a small loan license from the Department of Banking and Consumer Finance, and an office in the state, for anyone in the business of lending money; the law names no loan size or purpose. Banks, savings banks, trust companies, credit unions, insurers and pawnbrokers are left out, and so are farm loans, loans the federal government insures or guarantees (an SBA-guaranteed loan, for one), loans secured only by real estate, and occasional lenders. (Mississippi Legislature: SB 2172 (2001), as sent to the Governor, Section 75-17-1 of the Mississippi Code as amended; Mississippi Legislature: SB 2172 (2001), history of actions (approved by the Governor March 5, 2001); Mississippi Department of Banking and Consumer Finance: Consumer Finance Division (small loan licensing under the Small Loan Regulatory Law, 75-67-101 et seq.); Mississippi Code 1972 Annotated, free public access (LexisNexis): sections 75-17-1 (last amended by Laws 2001, ch. 317), 75-67-103, 75-67-105 and 75-67-135)
Sources
- Mississippi Secretary of State: Business Services (Business Search; UCC Search) · checked October 20, 2026
- Mississippi Secretary of State: UCC Search (Public UCC Search; Subscription UCC Search) · checked October 20, 2026
- Mississippi Department of Banking and Consumer Finance: home page · checked October 20, 2026
- Mississippi Secretary of State: Securities · checked October 20, 2026