Utah: business records and regulators
Where to look a business up in Utah, 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
Utah records and regulators
Business search
Look a business up in the state's register of businesses.
Utah Division of Corporations and Commercial Code: Business Entity Search (opens in a new tab)
The search shows the principal individuals of a business, and can supply an official Certificate of Existence.
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.
Utah Division of Corporations and Commercial Code: UCC/CFS Search (opens in a new tab)
It searches UCC and Central Filing System (CFS) records by debtor name or filing number, and can certify them.
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 Utah
Official lists of the lenders that work in Utah. Each opens on its own site, filtered to Utah 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 Utah on our route pages
- Accounts receivable financing: A lender that makes more than five commercial financing deals a year in Utah must register with the state and, before you sign a deal of $1 million or less, disclose the funds you get, the total you will repay, the total dollar cost, the payments and any prepayment costs. No APR is required. Banks and credit unions are exempt. (Utah Code Title 7, Chapter 27: Commercial Financing Registration and Disclosure Act)
- Business line of credit: A lender that makes more than five commercial financing deals a year in Utah must register with the state and, before you sign a deal of $1 million or less, disclose the funds you get, the total you will repay, the total dollar cost, the payments and any prepayment costs. No APR is required. Banks and credit unions are exempt. (Utah Code Title 7, Chapter 27: Commercial Financing Registration and Disclosure Act)
- Business line of credit: Utah has no cap on interest: the parties to a loan can agree any rate. If the contract names no rate, the rate is 10% a year. Utah's consumer credit code, and the notice a lender must file with the state each year, cover only credit to individuals mainly for personal, family or household purposes, as in federal Truth in Lending law, not business loans. (Utah Code 15-1-1: interest rates, contracted rate, legal rate; Utah Code 70C-1-301: terms have their meaning in the federal Consumer Credit Protection Act; Utah Code 70C-8-202: notification; 15 U.S.C. 1602(i): "consumer" credit transaction defined (Truth in Lending Act))
- 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 makes more than five commercial financing deals a year in Utah must register with the state and, before you sign a deal of $1 million or less, disclose the funds you get, the total you will pay, the total dollar cost, the payments (or the estimated first payment, if payments vary) and any prepayment costs. The law covers loans and purchases of receivables. No APR is required. (Utah Code Title 7, Chapter 27: Commercial Financing Registration and Disclosure Act)
- Equipment loans and finance agreements: Utah has no cap on interest: the parties to a loan can agree any rate. If the contract names no rate, the rate is 10% a year. Utah's consumer credit code, and the notice a lender must file with the state each year, cover only credit to individuals mainly for personal, family or household purposes, as in federal Truth in Lending law, not business loans. (Utah Code 15-1-1: interest rates, contracted rate, legal rate; Utah Code 70C-1-301: terms have their meaning in the federal Consumer Credit Protection Act; Utah Code 70C-8-202: notification; 15 U.S.C. 1602(i): "consumer" credit transaction defined (Truth in Lending Act))
- Equipment leasing and sale-leaseback: These states' commercial financing disclosure laws do not cover leases, so equipment leases come without a state cost disclosure. Ask for the total of all payments in writing. (Florida Statutes 559.9612: scope of the Florida Commercial Financing Disclosure Law; Utah Code 7-27-102: application of the Commercial Financing Registration and Disclosure Act; 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)
- Inventory and floor plan financing: The state's commercial financing disclosure law does not cover loans or credit lines of $50,000 or more to a motor vehicle dealer or vehicle rental company, or financing offered by a manufacturer or distributor (or its own finance company) with the sale of its products. Most vehicle floor plan lines are therefore outside it. (Florida Statutes 559.9612: scope of the Florida Commercial Financing Disclosure Law; Utah Code 7-27-102: application of the Commercial Financing Registration and Disclosure Act)
- Invoice factoring: A provider that makes more than five commercial financing deals a year in Utah, including buying invoices, must register with the state and, before you sign a deal of $1 million or less, disclose the funds you get, the total you will pay, the total dollar cost, the payments and any prepayment costs. No APR is required. Banks and credit unions are exempt. (Utah Code Title 7, Chapter 27: Commercial Financing Registration and Disclosure Act)
- Merchant cash advance: A provider that makes more than five commercial financing deals a year in Utah must register with the state and, before you sign a deal of $1 million or less, disclose the funds you get, the total you will pay, the total dollar cost, the payments (or the estimated first payment, if payments vary) and any prepayment costs. No APR is required. (Utah Code Title 7, Chapter 27: Commercial Financing Registration and Disclosure Act)
- Online business loans: A lender that makes more than five commercial financing deals a year in Utah must register with the state and, before you sign a deal of $1 million or less, disclose the funds you get, the total you will repay, the total dollar cost, the payments and any prepayment costs. No APR is required. Banks and credit unions are exempt. (Utah Code Title 7, Chapter 27: Commercial Financing Registration and Disclosure Act)
- Online business loans: Utah has no cap on interest: the parties to a loan can agree any rate. If the contract names no rate, the rate is 10% a year. Utah's consumer credit code, and the notice a lender must file with the state each year, cover only credit to individuals mainly for personal, family or household purposes, as in federal Truth in Lending law, not business loans. (Utah Code 15-1-1: interest rates, contracted rate, legal rate; Utah Code 70C-1-301: terms have their meaning in the federal Consumer Credit Protection Act; Utah Code 70C-8-202: notification; 15 U.S.C. 1602(i): "consumer" credit transaction defined (Truth in Lending Act))
- Revenue-based finance: A provider that makes more than five commercial financing deals a year in Utah must register with the state and, before you sign a deal of $1 million or less, disclose the funds you get, the total you will pay, the total dollar cost, the payments (or the estimated first payment, if payments vary) and any prepayment costs. The law covers loans and purchases of receivables. No APR is required. (Utah Code Title 7, Chapter 27: Commercial Financing Registration and Disclosure Act)
- Spot factoring (single invoices): A factor that makes more than five commercial financing deals a year in the state, and is not a bank or credit union, must disclose before or when you sign the funds you get, the total you will pay, the total dollar cost, the payments and any prepayment costs, for deals of up to $1 million in Utah and $500,000 in the other states. No APR is required. Utah also requires the factor to register with the state. (Utah Code Title 7, Chapter 27: Commercial Financing Registration and Disclosure Act; Florida Statutes, chapter 559, part XIII: Florida Commercial Financing Disclosure Law (559.961 to 559.9615); Georgia SB 90 (2023), as passed (Act 78): commercial financing disclosures, O.C.G.A. 10-1-393.18; Kansas Statutes 75-784: required disclosures (2024); Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law)
Sources
- Utah Department of Commerce, Division of Corporations and Commercial Code: Searches · checked November 1, 2026
- Utah Department of Financial Institutions: home page (banks, credit unions, industrial banks, non-depository consumer lenders) · checked October 20, 2026
- Utah Department of Commerce, Division of Securities: home page (licenses, corporate finance, enforcement, Check Before You Invest) · checked November 1, 2026