New York: business records and regulators
Where to look a business up in New York, 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
New York records and regulators
Business search
Look a business up in the state's register of businesses.
The database covers corporations, limited partnerships, LLCs and LLPs, and assumed name filings; the Department says it cannot guarantee the information is complete or accurate.
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.
New York Department of State: UCC online system (Lien Search) (opens in a new tab)
The Department of State has moved to a new UCC system; its Lien Search opens from the login page without an account.
Banking and lending regulator
Oversees the banks the state charters. Check its site for the lender and broker licenses the state requires.
New York State Department of Financial Services (DFS) (opens in a new tab)
DFS regulates state-chartered banks and other financial institutions, including credit unions, money services businesses and student loan servicers, as well as insurers.
Securities regulator
The state office for securities offerings, brokers and investment advisers.
Find a lender in New York
Official lists of the lenders that work in New York. Each opens on its own site, filtered to New York 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 New York on our route pages
- Accounts receivable financing: A lender that is not a bank or other financial institution must give you a disclosure when it makes a specific offer of $2.5 million or less, including the amount, the finance charge and the APR calculated as under federal Truth in Lending rules. Lenders that make five or fewer deals a year in New York are not covered. (New York Financial Services Law section 802: exemptions; New York Financial Services Law section 805: open-end commercial financing disclosures)
- Business line of credit: A lender that is not a bank or other financial institution must give you a disclosure when it makes a specific offer of a line of credit of $2.5 million or less, including the most you can borrow, the finance charge and the APR calculated as under federal Truth in Lending rules. Lenders that make five or fewer deals a year in New York, and financing secured by real property, are not covered. (New York Financial Services Law section 802: exemptions; New York Financial Services Law section 805: open-end commercial financing disclosures)
- Business line of credit: The civil limit on interest is 16% a year, but a corporation cannot use it as a defense, and it does not apply to loans of $250,000 or more. Charging more than 25% a year is criminal usury on loans under $2.5 million, and a corporation can raise that as a defense. Banks are not bound by these limits: federal law lets a bank charge the rate allowed in the state where it is located. (New York General Obligations Law 5-501: rate of interest; usury forbidden (subdivision 6: loans of $250,000 and $2.5 million or more); New York Banking Law 14-a: the maximum rate is 16% a year; New York General Obligations Law 5-521: corporations may not plead usury, except criminal usury; New York Penal Law 190.40: criminal usury in the second degree (over 25% a year); 12 U.S.C. 85: rate of interest on loans by national banks; 12 U.S.C. 1831d: interest rates of state-chartered insured banks)
- Commercial real estate loans: The state's commercial financing disclosure law does not cover financing secured by real property, so a commercial real estate loan comes without its cost disclosure. Ask the lender for the rate, fees and total cost in writing. (California Financial Code, Division 9.5: Commercial Financing Disclosures (sections 22800 to 22807); New York Financial Services Law section 802: exemptions; Utah Code 7-27-102: application of the Commercial Financing Registration and Disclosure Act; Florida Statutes 559.9612: scope of the Florida Commercial Financing Disclosure Law; Georgia SB 90 (2023), as passed (Act 78): O.C.G.A. 10-1-393.18(b); Kansas Statutes 75-785: exceptions to the Commercial Financing Disclosure Act (2024); Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law)
- E-commerce and payment platform finance: A provider that is not a bank or other financial institution must disclose, when it makes a specific offer of sales-based financing of $2.5 million or less, the amount you get, the finance charge and an estimated APR calculated under federal Truth in Lending rules from your projected sales. Financing repaid as a percentage of revenue counts as sales-based financing. (New York Financial Services Law section 801: definitions (sales-based financing); New York Financial Services Law section 802: exemptions; New York Financial Services Law section 803: sales-based financing disclosures)
- Equipment loans and finance agreements: A provider that is not a bank or other financial institution must disclose, with a specific offer of $2.5 million or less, the amount, the finance charge and an APR calculated as under federal Truth in Lending rules, the total repayment, the term and the payments. This covers equipment financing that is not a lease; leases are not covered. (New York Financial Services Law section 801: definitions (closed-end financing includes equipment financing that is not a lease); New York Financial Services Law section 804: closed-end commercial financing disclosure requirements; New York Financial Services Law section 802: exemptions)
- Equipment loans and finance agreements: The civil limit on interest is 16% a year, but a corporation cannot use it as a defense, and it does not apply to loans of $250,000 or more. Charging more than 25% a year is criminal usury on loans under $2.5 million, and a corporation can raise that as a defense. Banks are not bound by these limits: federal law lets a bank charge the rate allowed in the state where it is located. (New York General Obligations Law 5-501: rate of interest; usury forbidden (subdivision 6: loans of $250,000 and $2.5 million or more); New York Banking Law 14-a: the maximum rate is 16% a year; New York General Obligations Law 5-521: corporations may not plead usury, except criminal usury; New York Penal Law 190.40: criminal usury in the second degree (over 25% a year); 12 U.S.C. 85: rate of interest on loans by national banks; 12 U.S.C. 1831d: interest rates of state-chartered insured banks)
- Equipment leasing and sale-leaseback: New York's commercial financing disclosure law covers equipment financing that is not a lease, so a true lease comes without its disclosure. (New York Financial Services Law section 801: definitions (closed-end financing includes equipment financing that is not a lease))
- Invoice factoring: A factor that is not a bank or other financial institution must disclose, when it makes a specific offer of $2.5 million or less, the price it pays for your invoices, the finance charge and an estimated APR calculated under federal Truth in Lending rules. Factors that make five or fewer deals a year in New York are not covered. (New York Financial Services Law section 802: exemptions; New York Financial Services Law section 806: factoring transaction disclosures)
- Merchant cash advance: A provider that is not a bank or other financial institution must disclose, when it makes a specific offer of sales-based financing of $2.5 million or less, the amount you get, the finance charge and an estimated APR calculated under federal Truth in Lending rules from your projected sales. A confession of judgment can be filed only in a New York county where the business is based. (New York Financial Services Law section 802: exemptions; New York Financial Services Law section 803: sales-based financing disclosures; New York Civil Practice Law and Rules section 3218: judgment by confession)
- Online business loans: A lender that is not a bank or other financial institution must give you, with a specific offer of $2.5 million or less, the amount, the amount paid out after fees, the finance charge, an APR calculated as under federal Truth in Lending rules, the total repayment, the term, the payments (including the average monthly payment), other fees, prepayment costs and any collateral. Lenders that make five or fewer deals a year in New York are not covered. (New York Financial Services Law section 804: closed-end commercial financing disclosure requirements; New York Financial Services Law section 802: exemptions)
- Online business loans: The civil limit on interest is 16% a year, but a corporation cannot use it as a defense, and it does not apply to loans of $250,000 or more. Charging more than 25% a year is criminal usury on loans under $2.5 million, and a corporation can raise that as a defense. Banks are not bound by these limits: federal law lets a bank charge the rate allowed in the state where it is located. (New York General Obligations Law 5-501: rate of interest; usury forbidden (subdivision 6: loans of $250,000 and $2.5 million or more); New York Banking Law 14-a: the maximum rate is 16% a year; New York General Obligations Law 5-521: corporations may not plead usury, except criminal usury; New York Penal Law 190.40: criminal usury in the second degree (over 25% a year); 12 U.S.C. 85: rate of interest on loans by national banks; 12 U.S.C. 1831d: interest rates of state-chartered insured banks)
- Revenue-based finance: A provider that is not a bank or other financial institution must disclose, when it makes a specific offer of sales-based financing of $2.5 million or less, the amount you get, the finance charge and an estimated APR calculated under federal Truth in Lending rules from your projected sales. Financing repaid as a percentage of revenue counts as sales-based financing. (New York Financial Services Law section 801: definitions (sales-based financing); New York Financial Services Law section 802: exemptions; New York Financial Services Law section 803: sales-based financing disclosures)
- Spot factoring (single invoices): A factor that is not a bank or other financial institution must disclose, when it makes a specific offer of $2.5 million or less, the price it pays for your invoice, the finance charge and an estimated APR calculated under federal Truth in Lending rules. Factors that make five or fewer deals a year in New York are not covered. (New York Financial Services Law section 806: factoring transaction disclosures; New York Financial Services Law section 802: exemptions)
Sources
- New York Department of State, Division of Corporations: Search Our Corporation and Business Entity Database · checked November 1, 2026
- New York Department of State: notice at the old UCC search address (the Department has transitioned to a new UCC system) · checked November 1, 2026
- New York Department of State, Division of Corporations, State Records and Uniform Commercial Code: UCC online system (Lien Search) · checked November 1, 2026
- New York State Department of Financial Services: About Us · checked November 1, 2026
- New York Attorney General: Investments, Registration & Regulation (broker-dealer and securities issuer registration, investment advisers, investor protection) · checked October 20, 2026