[ { "code": "AL", "state": "Alabama", "page_url": "/southeast/alabama/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Alabama Secretary of State, Uniform Commercial Code Division (Montgomery)", "ucc_search_url": "https://arc-sos.state.al.us/CGI/UCCNAME.MBR/INPUT", "state_agency_prompt_pay_days": "Generally 30 days after the vendor completes its part and presents a proper, undisputed invoice", "state_agency_late_interest": "Interest at the legal rate currently charged by the state on amounts paid late", "state_agency_prompt_pay_statute": "Ala. Code §41-16-3 (contracts with the State of Alabama)", "private_construction_owner_to_contractor": "As the contract says; if it is silent, 30 days after receipt of the pay request or invoice", "private_construction_contractor_to_sub": "As the contract says; if it is silent, 7 days after the contractor receives the owner's payment", "private_construction_interest": "1% per month (12% a year) on late or wrongfully withheld amounts", "lien_preliminary_notice": "Not required for original contractors. Subcontractors and suppliers must give the owner written notice before filing; suppliers who give notice before furnishing can claim a full-price lien instead of an unpaid-balance lien.", "lien_claim_deadline": "Generally within 4 months after last furnishing for subcontractors and suppliers (6 months for original contractors, 30 days for day laborers), filed with the probate judge of the county", "lien_enforce_deadline": "Generally within 6 months after the entire debt matures (Ala. Code §35-11-221)", "public_bond_statute": "Ala. Code §39-1-1", "public_bond_threshold": "Public works contracts of $50,000 or more", "public_bond_claim_notice": "No fixed notice deadline, but written notice to the surety by registered or certified mail must precede suit by at least 45 days; suit generally within 1 year after final settlement of the contract", "verified_on": "2026-11-12" }, { "code": "AK", "state": "Alaska", "page_url": "/states/alaska/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Alaska Department of Natural Resources, Recorder's Office, UCC Central File (Anchorage)", "ucc_search_url": "https://dnr.alaska.gov/ssd/recoff/Ucc/search/Name", "state_agency_prompt_pay_days": "By the contract date, or if none, 30 days after receipt of a proper billing", "state_agency_late_interest": "1.5% per month on the unpaid balance from the required payment date, unless the contract sets a lower rate or bars interest", "state_agency_prompt_pay_statute": "Alaska Stat. §37.05.285", "private_construction_owner_to_contractor": null, "private_construction_contractor_to_sub": null, "private_construction_interest": null, "lien_preliminary_notice": "Not generally required. An optional notice of right to lien (AS 34.35.064) shifts the burden to the owner and protects against a short deadline after a notice of completion.", "lien_claim_deadline": "Generally within 120 days after the claimant last furnishes labor or materials; if a notice of completion is recorded, generally 15 days after it unless the claimant recorded a notice of right to lien", "lien_enforce_deadline": "Within 6 months after recording the claim of lien, extendable once by 6 months with a recorded notice of extension", "public_bond_statute": "Alaska Stat. §36.25.010 to .025", "public_bond_threshold": "Public building or public works contracts exceeding $100,000", "public_bond_claim_notice": "A claimant with no direct contract with the prime must give written notice to the prime by registered mail within 90 days after last furnishing; suit no sooner than 90 days after last furnishing and within 1 year after final settlement", "verified_on": "2026-11-12" }, { "code": "AZ", "state": "Arizona", "page_url": "/states/arizona/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Arizona Secretary of State, Business Services Division, UCC filings (Phoenix and Tucson offices)", "ucc_search_url": "https://apps.azsos.gov/apps/ucc/search/", "state_agency_prompt_pay_days": "Progress payments within 14 days after an estimate is certified and approved; an estimate is deemed approved 7 days after submission unless the owner issues a written finding", "state_agency_late_interest": "1% per month on late payments to the contractor", "state_agency_prompt_pay_statute": "A.R.S. §41-2577 (state construction) and §34-221 (other public agents)", "private_construction_owner_to_contractor": "Owner has 14 days to approve or deny a billing, then 7 days after approval to pay", "private_construction_contractor_to_sub": "7 days after receipt of each payment", "private_construction_interest": "1.5% per month on late or wrongfully withheld payments", "lien_preliminary_notice": "Required for most claimants: a preliminary 20-day notice to the owner, original contractor, lender and hiring party within 20 days after first furnishing (A.R.S. §33-992.01); a late notice covers only work from 20 days before it was served", "lien_claim_deadline": "Generally within 120 days after completion of the project, or 60 days after a recorded notice of completion", "lien_enforce_deadline": "Foreclosure suit within 6 months after recording the lien, with a lis pendens recorded within 5 days of filing", "public_bond_statute": "A.R.S. §34-222 to -224", "public_bond_threshold": "Generally required on public works; state projects of $100,000 or more", "public_bond_claim_notice": "Claimants without a direct contract with the prime must serve the 20-day preliminary notice and give written notice to the prime by registered or certified mail within 90 days after last furnishing; suit more than 90 days but within 1 year after last furnishing", "verified_on": "2026-11-12" }, { "code": "AR", "state": "Arkansas", "page_url": "/states/arkansas/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Arkansas Secretary of State, Business and Commercial Services division (Little Rock)", "ucc_search_url": "https://bcs.sos.arkansas.gov/", "state_agency_prompt_pay_days": "Progress payment requests: 5 working days each for the design professional, the agency and the Department of Finance and Administration to process; final payment within 90 days after completion and approval", "state_agency_late_interest": "10% a year on unpaid amounts after the 90-day final payment period; an 8% a year penalty against a party that delays processing", "state_agency_prompt_pay_statute": "Ark. Code §19-4-1411 and §22-9-205 (public construction)", "private_construction_owner_to_contractor": null, "private_construction_contractor_to_sub": null, "private_construction_interest": null, "lien_preliminary_notice": "On residential work of 4 or fewer units, the general contractor must give the owner a pre-construction notice; on commercial work, subs and suppliers must send a notice to owner and contractor within 75 days of last furnishing; everyone must send a notice of intent at least 10 days before filing", "lien_claim_deadline": "Generally within 120 days after last furnishing labor or materials, filed with the circuit clerk of the county", "lien_enforce_deadline": "Within 15 months after the lien is filed", "public_bond_statute": "Ark. Code §18-44-503 and §22-9-401", "public_bond_threshold": "Public construction contracts exceeding $50,000", "public_bond_claim_notice": "Claimants without a direct contract with the prime must give written notice to the contractor and surety within 90 days after last furnishing; suit within 1 year after final payment or the date the prime stops work, whichever comes first", "verified_on": "2026-11-12" }, { "code": "CA", "state": "California", "page_url": "/states/california/", "disclosure_status": "in_effect", "disclosure_law": "California commercial financing disclosure law", "disclosure_citation": "Cal. Fin. Code §22800 et seq., with DFPI regulations in Title 10 of the California Code of Regulations", "disclosure_effective": "2022-12-09", "disclosure_threshold": "Commercial financing offers of $500,000 or less", "disclosure_covers_factoring": true, "disclosure_apr_required": true, "provider_registration": null, "ucc_filing_office": "California Secretary of State, Uniform Commercial Code section (Sacramento)", "ucc_search_url": "https://bizfileonline.sos.ca.gov/", "state_agency_prompt_pay_days": "45 days after receipt of a properly submitted, undisputed invoice", "state_agency_late_interest": "Automatic daily penalty; for FY 2026-27, 16.75% a year for certified small businesses and nonprofits and 4.829% a year for other businesses (set annually by the Department of Finance)", "state_agency_prompt_pay_statute": "Cal. Gov. Code §927 et seq. (California Prompt Payment Act)", "private_construction_owner_to_contractor": "Within 30 days after a payment request, unless otherwise agreed in writing", "private_construction_contractor_to_sub": "Within 7 days after receiving a progress payment, unless otherwise agreed in writing", "private_construction_interest": "2% per month penalty on late payments", "lien_preliminary_notice": "Subs and suppliers must serve a 20-day preliminary notice on the owner, prime contractor and lender within 20 days of first furnishing; a late notice covers only work in the prior 20 days", "lien_claim_deadline": "Generally within 90 days after completion of the work of improvement, or 30 days after a recorded notice of completion or cessation", "lien_enforce_deadline": "Within 90 days after recording the lien", "public_bond_statute": "Cal. Civ. Code §9550 et seq.", "public_bond_threshold": "Public works contracts over $25,000", "public_bond_claim_notice": "A 20-day preliminary notice generally preserves bond rights; without one, written notice to the surety and principal within 15 days after a recorded notice of completion or 75 days after completion. Suit within 6 months after the stop payment notice period expires.", "verified_on": "2026-11-12" }, { "code": "CO", "state": "Colorado", "page_url": "/states/colorado/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Colorado Secretary of State, Business and Licensing Division, UCC filings (Denver)", "ucc_search_url": "https://www.sos.state.co.us/ucc/pages/search/standardSearch.xhtml", "state_agency_prompt_pay_days": "45 days after the executive branch liability was incurred", "state_agency_late_interest": "1% per month on the unpaid balance from the 45th day", "state_agency_prompt_pay_statute": "C.R.S. §24-30-202(24)", "private_construction_owner_to_contractor": null, "private_construction_contractor_to_sub": null, "private_construction_interest": null, "lien_preliminary_notice": "Not generally required at the start of a project, but a notice of intent to lien must be served on the owner and prime contractor at least 10 days before filing (C.R.S. §38-22-109(3))", "lien_claim_deadline": "Generally within 4 months after last furnishing labor or materials (2 months for day laborers)", "lien_enforce_deadline": "Generally within 6 months after last work or completion, with a notice of the action recorded", "public_bond_statute": "C.R.S. §38-26-105 to -107", "public_bond_threshold": "Public works contracts over $50,000 (state projects over $150,000)", "public_bond_claim_notice": "No statutory notice for a bond claim (check the bond); a verified statement of a claim against contract funds may be filed up to the time of final settlement, with suit within 90 days after final settlement", "verified_on": "2026-11-12" }, { "code": "CT", "state": "Connecticut", "page_url": "/states/connecticut/", "disclosure_status": "in_effect", "disclosure_law": "Connecticut commercial (sales-based) financing disclosure and registration law", "disclosure_citation": "Conn. Gen. Stat. §§36a-861 to 36a-872", "disclosure_effective": "2024-07-01", "disclosure_threshold": "Sales-based financing of $250,000 or less", "disclosure_covers_factoring": false, "disclosure_apr_required": false, "provider_registration": "Providers and brokers of sales-based financing must register annually with the Connecticut Department of Banking through NMLS (registration deadline was October 1, 2024).", "ucc_filing_office": "Connecticut Office of the Secretary of the State, Business Services Division (filed through business.ct.gov)", "ucc_search_url": "https://service.ct.gov/business/s/onlineenquiry", "state_agency_prompt_pay_days": "On the date the contract sets, or if none, within 45 days of a properly completed claim or receipt of the goods or services, whichever is later", "state_agency_late_interest": "Monthly effective yield of the state Short Term Investment Fund (STIF) on late amounts", "state_agency_prompt_pay_statute": "Conn. Gen. Stat. §4a-71", "private_construction_owner_to_contractor": "30 days after a written payment request", "private_construction_contractor_to_sub": "25 days after the contractor receives payment covering the sub's work", "private_construction_interest": "1% per month, starting 10 days after the unpaid party sends notice", "lien_preliminary_notice": "Not required before work. Subs without a written, owner-assented contract must serve a notice of intent on the owner and original contractor within 90 days after they stop work (§49-35).", "lien_claim_deadline": "Generally 90 days after the claimant stops furnishing labor or materials, recorded with the town clerk, with a copy served on the owner within 30 days after recording (§49-34)", "lien_enforce_deadline": "Foreclosure action and lis pendens within 1 year after the lien is recorded (§49-39)", "public_bond_statute": "Conn. Gen. Stat. §§49-41 and 49-42", "public_bond_threshold": "State and municipal public works contracts over $100,000", "public_bond_claim_notice": "Notice of claim on the surety (copy to the contractor) no later than 180 days after the claimant last furnished labor or materials, after waiting 60 days unpaid; retainage claims run from the payment date", "verified_on": "2026-11-12" }, { "code": "DE", "state": "Delaware", "page_url": "/states/delaware/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Delaware Department of State, Division of Corporations (UCC section); filings are electronic or through an Authorized UCC Filer", "ucc_search_url": null, "state_agency_prompt_pay_days": "Interest may be charged if a state agency does not pay within 30 days of the later of a valid invoice or receipt of the goods or services", "state_agency_late_interest": "Up to 12% a year, billed by the vendor in dollars; on public works, up to 2% above the Federal Reserve prime rate", "state_agency_prompt_pay_statute": "29 Del. C. §6516", "private_construction_owner_to_contractor": "30 days after the end of the billing period, for satisfactory work", "private_construction_contractor_to_sub": "30 days, out of amounts paid to the contractor", "private_construction_interest": "Delaware legal rate, compounded each 30 days", "lien_preliminary_notice": "Not generally required", "lien_claim_deadline": "Generally 120 days after completing labor or last delivering materials, or 120 days after final payment is due to the claimant or made to the prime contractor (§2711(b))", "lien_enforce_deadline": "The statement of claim is filed in Superior Court and starts the lien action itself, so there is generally no separate later suit deadline", "public_bond_statute": "29 Del. C. §6962(d)(9)", "public_bond_threshold": "Large public works contracts (the 100% bond also secures payment of subs and suppliers); the dollar line is set by Office of Management and Budget thresholds", "public_bond_claim_notice": "No pre-suit notice in the statute; suit within 1 year after the contractor stops work if the bond says so, otherwise within 3 years after the last work", "verified_on": "2026-11-12" }, { "code": "DC", "state": "District of Columbia", "page_url": "/states/district-of-columbia/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Office of the Recorder of Deeds (Office of Tax and Revenue), acting as the Mayor's filing office under D.C. Code §28:9-501", "ucc_search_url": "https://washington.dc.publicsearch.us/", "state_agency_prompt_pay_days": "The contract payment date, or if none, 30 calendar days (excluding legal holidays) after receipt of a proper invoice", "state_agency_late_interest": "Interest penalty at a rate set by the Mayor's regulations (the statute sets a 1% floor); no penalty if paid by the 15th day after the due date", "state_agency_prompt_pay_statute": "D.C. Code §2-221.01 et seq. (§2-221.02)", "private_construction_owner_to_contractor": "If the contract sets no dates, 15 days after the payment request, occupancy permit or owner possession, whichever is earliest; if it does, 7 days after the contract date", "private_construction_contractor_to_sub": "7 days after the contractor receives payment for the sub's work", "private_construction_interest": "1.5% per month on undisputed late amounts, plus attorney fees to a prevailing claimant", "lien_preliminary_notice": "Not generally required", "lien_claim_deadline": "Notice of intent recorded in the land records during construction or within 90 days after the earlier of completion or termination of the project, with a copy to the owner by certified mail within 5 business days (§40-301.02)", "lien_enforce_deadline": "Suit within 180 days after the notice of intent is recorded, plus a notice of pendency of action within 10 days of filing suit (§40-303.13)", "public_bond_statute": "D.C. Code §§2-201.01 and 2-201.02", "public_bond_threshold": "District construction contracts over $25,000", "public_bond_claim_notice": "Subs and suppliers with no contract with the prime must give written notice to the prime within 90 days after last furnishing labor or materials", "verified_on": "2026-11-12" }, { "code": "FL", "state": "Florida", "page_url": "/florida/", "disclosure_status": "in_effect", "disclosure_law": "Florida Commercial Financing Disclosure Law", "disclosure_citation": "Fla. Stat. §§559.961 to 559.9615", "disclosure_effective": "2024-01-01", "disclosure_threshold": "Commercial financing transactions of $500,000 or less", "disclosure_covers_factoring": true, "disclosure_apr_required": false, "provider_registration": null, "ucc_filing_office": "Florida Secured Transaction Registry (the state's central UCC filing office, operated under contract with the Florida Department of State)", "ucc_search_url": "https://www.floridaucc.com/", "state_agency_prompt_pay_days": "State agencies owe interest if a warrant is not issued within 40 days after receipt of the invoice and receipt, inspection and approval of the goods or services; local governments pay non-construction purchases within 45 days and construction invoices within 20 business days (25 if an agent must approve)", "state_agency_late_interest": "State agencies: rate set under Fla. Stat. §55.03; local non-construction payments: 1% per month", "state_agency_prompt_pay_statute": "Fla. Stat. §215.422 (state agencies); §§218.70 to 218.80 (Local Government Prompt Payment Act)", "private_construction_owner_to_contractor": "When payment is due under the contract and a written payment request (with required affidavits or waivers) has been made", "private_construction_contractor_to_sub": "Once the contractor has been paid for the sub's work and the sub's payment is due under the subcontract", "private_construction_interest": "Judgment rate under §55.03 plus 12% a year, starting the 14th day after payment is due", "lien_preliminary_notice": "Lienors not in privity with the owner must serve a Notice to Owner before starting or within 45 days after first furnishing, and before the owner's final payment (§713.06)", "lien_claim_deadline": "Generally 90 days after final furnishing of labor, services or materials (§713.08)", "lien_enforce_deadline": "Generally 1 year after the claim of lien is recorded, unless shortened by the owner (§713.22)", "public_bond_statute": "Fla. Stat. §255.05", "public_bond_threshold": "Required on public works generally; state contracts of $100,000 or less are exempt, and local governments may exempt contracts of $200,000 or less", "public_bond_claim_notice": "Claimants not in privity with the contractor must serve a notice to contractor within 45 days of first furnishing; claimants other than laborers must serve a notice of nonpayment no later than 90 days after final furnishing", "verified_on": "2026-11-12" }, { "code": "GA", "state": "Georgia", "page_url": "/southeast/georgia/", "disclosure_status": "in_effect", "disclosure_law": "Georgia commercial financing disclosure law", "disclosure_citation": "O.C.G.A. §10-1-393.18", "disclosure_effective": "2024-01-01", "disclosure_threshold": "Commercial financing transactions of $500,000 or less", "disclosure_covers_factoring": true, "disclosure_apr_required": false, "provider_registration": null, "ucc_filing_office": "Clerk of Superior Court in any of Georgia's 159 counties, indexed statewide by the Georgia Superior Court Clerks' Cooperative Authority (GSCCCA)", "ucc_search_url": "https://search.gsccca.org/UCC_Search/", "state_agency_prompt_pay_days": "On construction, generally 15 days after the owner receives a pay request; subs paid within 10 days after the contractor receives payment", "state_agency_late_interest": "1% per month, unless the contract sets a different rate", "state_agency_prompt_pay_statute": "O.C.G.A. §13-11-1 et seq. (Prompt Pay Act, which applies to public and private construction)", "private_construction_owner_to_contractor": "15 days after receipt of a pay request", "private_construction_contractor_to_sub": "10 days after the contractor receives payment", "private_construction_interest": "1% per month, if the payer was notified of the rate with the pay request; contract terms can set a different rate", "lien_preliminary_notice": "When a Notice of Commencement is filed, lower-tier subs and suppliers must serve a Notice to Contractor within 30 days of the later of first furnishing or the Notice of Commencement filing (§44-14-361.5)", "lien_claim_deadline": "Generally 90 days after last furnishing labor, services or materials, filed with the county Clerk of Superior Court, with a copy to the owner within 2 business days", "lien_enforce_deadline": "Suit within 365 days after filing the lien, plus a notice of commencement of the action within 30 days after filing suit", "public_bond_statute": "O.C.G.A. §13-10-60 et seq. (state); §36-91-90 et seq. (local)", "public_bond_threshold": "Public works contracts over $250,000 (raised by HB 137, effective July 1, 2025)", "public_bond_claim_notice": "If a Notice of Commencement was filed, a 30-day notice to contractor from first furnishing; if not, written notice within 90 days after last furnishing; suit within 1 year after completion and acceptance", "verified_on": "2026-11-12" }, { "code": "HI", "state": "Hawaii", "page_url": "/states/hawaii/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Bureau of Conveyances, Department of Land and Natural Resources (HRS §490:9-501)", "ucc_search_url": "https://bocdataext.hi.wcicloud.com", "state_agency_prompt_pay_days": "No later than 30 calendar days after receipt of a proper statement or satisfactory delivery or performance, whichever is later", "state_agency_late_interest": "Prime rate (as posted in the Wall Street Journal) plus 2%, from the 30th day", "state_agency_prompt_pay_statute": "HRS §103-10", "private_construction_owner_to_contractor": null, "private_construction_contractor_to_sub": "10 days after the later of a sub's invoice with required backup or the contractor's receipt of payment from the owner", "private_construction_interest": "1.5% per month from the date payment is due", "lien_preliminary_notice": "Not generally required", "lien_claim_deadline": "Application for lien filed in circuit court no later than 45 days after the date of completion of the improvement (HRS §507-43); a court hearing on probable cause follows", "lien_enforce_deadline": "Within 3 months after the court enters the order directing the lien to attach", "public_bond_statute": "HRS §103D-324", "public_bond_threshold": "Construction contracts over $25,000", "public_bond_claim_notice": "Written notice to the contractor and surety within 90 days after last furnishing labor or materials; suit within 1 year", "verified_on": "2026-11-12" }, { "code": "ID", "state": "Idaho", "page_url": "/states/idaho/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "UCC Division, Idaho Secretary of State (Boise)", "ucc_search_url": "https://sosbiz.idaho.gov/search/ucc", "state_agency_prompt_pay_days": "60 calendar days after receipt of the bill, unless the contract sets a longer period (45 days for each completed item on partial deliveries)", "state_agency_late_interest": "Contract penalty if one is set; otherwise interest accrues automatically on overdue bills at the rate tied to Idaho Code §63-3045 (federal midterm rate plus 2%), compounded monthly", "state_agency_prompt_pay_statute": "Idaho Code §67-2302", "private_construction_owner_to_contractor": null, "private_construction_contractor_to_sub": null, "private_construction_interest": null, "lien_preliminary_notice": "Not generally required for subcontractors or suppliers. General contractors on residential jobs over $2,000 must give the owner a disclosure before contracting (Idaho Code §45-525).", "lien_claim_deadline": "Generally 90 days after last furnishing labor or materials (Idaho Code §45-507), recorded in the county where the property sits, with a copy served on the owner within days of filing", "lien_enforce_deadline": "Generally 6 months after the lien is filed (Idaho Code §45-510)", "public_bond_statute": "Idaho Code §54-1925 to §54-1930", "public_bond_threshold": "Public works contracts of $50,000 or more; payment bond of at least 85% of the contract amount", "public_bond_claim_notice": "Claimants with no direct contract with the prime contractor must give written notice to the prime by registered or certified mail within 90 days after their last labor or materials; suit must be filed within 1 year", "verified_on": "2026-11-12" }, { "code": "IL", "state": "Illinois", "page_url": "/states/illinois/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Illinois Secretary of State, Department of Business Services (UCC Division), Springfield", "ucc_search_url": null, "state_agency_prompt_pay_days": "90 days after receipt of a proper bill or invoice (fiscal year 2012 and later)", "state_agency_late_interest": "1% per month (0.033% per day) after the 90-day period; interest under $5 is not paid", "state_agency_prompt_pay_statute": "State Prompt Payment Act, 30 ILCS 540", "private_construction_owner_to_contractor": "15 calendar days after the owner approves a payment application; it is deemed approved 25 days after receipt unless the owner gives written notice of what it is withholding and why", "private_construction_contractor_to_sub": "15 calendar days after the contractor receives each payment", "private_construction_interest": "10% per year on late amounts", "lien_preliminary_notice": "Generally not required, except on owner-occupied single-family homes, where subs must notify the owner within 60 days of first furnishing", "lien_claim_deadline": "Subcontractors generally must serve notice on the owner within 90 days after last furnishing; recording within 4 months after completion makes the lien effective against lenders and later buyers, while later filings (up to 2 years) bind only the owner", "lien_enforce_deadline": "2 years after completion of the work, or 30 days after receiving an owner's demand to sue", "public_bond_statute": "Public Construction Bond Act, 30 ILCS 550", "public_bond_threshold": "Generally public works costing over $50,000; an amendment effective January 1, 2024 raised the threshold to $150,000 for school districts and other local public bodies until January 1, 2029", "public_bond_claim_notice": "Verified notice to the public body within 180 days after last furnishing, with a copy to the contractor within 10 days; suit within 1 year after last furnishing", "verified_on": "2026-11-12" }, { "code": "IN", "state": "Indiana", "page_url": "/states/indiana/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Business Services Division, Indiana Secretary of State (Indianapolis)", "ucc_search_url": "https://bsd.sos.in.gov/PublicUCCSearch", "state_agency_prompt_pay_days": "By the date in the contract; if none, within 35 days after receipt of the goods or services or a properly completed claim", "state_agency_late_interest": "1% per month late payment penalty, added to principal every 30 days", "state_agency_prompt_pay_statute": "Ind. Code §5-17-5", "private_construction_owner_to_contractor": null, "private_construction_contractor_to_sub": null, "private_construction_interest": null, "lien_preliminary_notice": "Required only on owner-occupied 1 to 2 unit homes: subs and suppliers must notify the owner within 30 days of first furnishing on remodels, or within 60 days (with a copy filed with the recorder) on new construction", "lien_claim_deadline": "Generally 90 days after last furnishing labor or materials; 60 days on residential (Class 2) projects", "lien_enforce_deadline": "1 year after the lien is recorded, or 30 days after receiving an owner's written notice to sue", "public_bond_statute": "Ind. Code §4-13.6-7 (state public works) and Ind. Code §5-16-5", "public_bond_threshold": "State public works contracts estimated over $200,000 require a 100% payment bond; below that the state may require a bond or 10% retainage", "public_bond_claim_notice": "File a verified claim with the public body and deliver a copy to the contractor within 60 days after last furnishing; suit cannot start until 30 days after the claim is filed", "verified_on": "2026-11-12" }, { "code": "IA", "state": "Iowa", "page_url": "/states/iowa/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Iowa Secretary of State (filing office for UCC records), Lucas State Office Building, Des Moines", "ucc_search_url": "https://sos.iowa.gov/businesses/uniform-commercial-code-ucc", "state_agency_prompt_pay_days": "60 days after receipt of the claim or satisfactory delivery or performance, whichever is later", "state_agency_late_interest": "1% per month on the unpaid amount", "state_agency_prompt_pay_statute": "Iowa Code §8A.514(3)", "private_construction_owner_to_contractor": null, "private_construction_contractor_to_sub": null, "private_construction_interest": null, "lien_preliminary_notice": "On residential projects, subcontractors must post a preliminary notice on the state Mechanics' Notice and Lien Registry (MNLR), and general contractors must post a notice of commencement within 10 days after work begins", "lien_claim_deadline": "Generally post the lien on the MNLR within 90 days after last furnishing for full protection; later postings (up to 2 years and 90 days) reach only what the owner still owes the general contractor", "lien_enforce_deadline": "Generally within 2 years and 90 days after last furnishing, or within 30 days of an owner's written demand", "public_bond_statute": "Iowa Code ch. 573", "public_bond_threshold": "Public improvement contracts of $25,000 or more (highway, bridge and culvert work excluded)", "public_bond_claim_notice": "Claimants who dealt with a subcontractor must notify the prime within 30 days of first furnishing; claims must be filed with the public body within 30 days after completion and final acceptance, and suit is due within 60 days after acceptance", "verified_on": "2026-11-12" }, { "code": "KS", "state": "Kansas", "page_url": "/states/kansas/", "disclosure_status": "in_effect", "disclosure_law": "Kansas Commercial Financing Disclosure Act", "disclosure_citation": "K.S.A. 75-783 through 75-787", "disclosure_effective": "2024-07-01", "disclosure_threshold": "Commercial financing transactions of $500,000 or less", "disclosure_covers_factoring": true, "disclosure_apr_required": false, "provider_registration": null, "ucc_filing_office": "Business Services Division, Kansas Secretary of State (Topeka)", "ucc_search_url": "https://mykansas.ks.gov/ucc/", "state_agency_prompt_pay_days": "30 calendar days after receipt of the goods or services or the bill, whichever is later, unless agreed otherwise in writing", "state_agency_late_interest": "1.5% per month, but only if the vendor requests it in writing within 4 months; no interest if paid within 15 days after the due date", "state_agency_prompt_pay_statute": "K.S.A. 75-6403", "private_construction_owner_to_contractor": "30 days after receipt of a timely, properly completed, undisputed payment request", "private_construction_contractor_to_sub": "7 business days after the contractor receives payment", "private_construction_interest": "18% per year on undisputed late amounts", "lien_preliminary_notice": "Not generally required on commercial work; residential liens require a warning statement to the owner, and new residential work requires a notice of intent to perform filed before the home sells", "lien_claim_deadline": "Generally 3 months after last furnishing for subcontractors and suppliers, extendable to 5 months on non-residential property by filing a notice of extension within the first 3 months", "lien_enforce_deadline": "1 year after the lien statement is filed (K.S.A. 60-1105)", "public_bond_statute": "K.S.A. 60-1111", "public_bond_threshold": "Public contracts exceeding $100,000", "public_bond_claim_notice": "No formal notice is required by statute (check the bond); suit must be brought within 6 months after completion of the project. State highway projects follow K.S.A. 68-410.", "verified_on": "2026-11-12" }, { "code": "KY", "state": "Kentucky", "page_url": "/states/kentucky/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Kentucky Secretary of State (Frankfort); county clerks handle only fixture filings and timber or as-extracted mineral filings", "ucc_search_url": "https://web.sos.ky.gov/ftucc/search.aspx", "state_agency_prompt_pay_days": "Undisputed amounts within 30 business days of receipt of the goods, services or invoice, or as the contract provides", "state_agency_late_interest": "1% per month (or fraction of a month) on undisputed amounts after 30 business days, under KRS 45.454", "state_agency_prompt_pay_statute": "KRS 45.451 to 45.458, and a new section of KRS Chapter 45A created by HB 480 (2026 Ky. Acts ch. 147)", "private_construction_owner_to_contractor": "30 business days after receipt of a timely, properly completed, undisputed payment request", "private_construction_contractor_to_sub": "15 business days after the contractor receives payment", "private_construction_interest": "12% per year, starting the 31st business day (owner) or 16th business day (contractor)", "lien_preliminary_notice": "Subs and suppliers without a direct contract must give the owner written notice within 75 days after last furnishing for claims of $1,000 or less, or 120 days for larger claims; on owner-occupied 1 to 2 family homes, within 75 days regardless of amount", "lien_claim_deadline": "6 months after last furnishing, filed with the county clerk, with a copy mailed to the owner within 7 days (KRS 376.080)", "lien_enforce_deadline": "12 months after the lien statement is filed (KRS 376.090)", "public_bond_statute": "KRS 45A.190 (state) and KRS 45A.435 (local public agencies)", "public_bond_threshold": "State construction contracts over $40,000; local public agency construction contracts over $100,000; payment bond of 100% of the contract price", "public_bond_claim_notice": "No statutory notice deadline; the bond's terms control. A separate lien on public contract funds (KRS 376.230) must be filed within 60 days after the last month of furnishing or substantial completion, whichever is later.", "verified_on": "2026-11-12" }, { "code": "LA", "state": "Louisiana", "page_url": "/states/louisiana/", "disclosure_status": "in_effect", "disclosure_law": "Revenue-based financing transaction disclosure", "disclosure_citation": "La. R.S. 9:3137.10", "disclosure_effective": "2025-08-01", "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": false, "provider_registration": null, "ucc_filing_office": "Any of the 64 Louisiana parish clerks of court (filing officers); the Secretary of State's Commercial Division maintains the statewide UCC master index but does not accept filings or perform searches", "ucc_search_url": "https://www.sos.la.gov/business-services/search-for-financing-statements", "state_agency_prompt_pay_days": "State agencies owe a penalty if they fail, without reasonable cause, to pay within 90 days of the contract due date. On public works, progress payments are generally due within 45 days of a certified request and final payment within 45 days of a clear lien certificate.", "state_agency_late_interest": "Under 39:1695, interest at the judicial interest rate (R.S. 13:4202(B)) from the 91st day after the due date. Section 38:2191 provides attorney fees and mandamus rather than a stated interest rate.", "state_agency_prompt_pay_statute": "La. R.S. 39:1695 (state agency vendor payments); La. R.S. 38:2191 (public works contracts)", "private_construction_owner_to_contractor": "Generally 35 days after a written payment request for properly performed work (if the project is loan-funded, the later of 35 days or 5 days after the owner receives the loan proceeds)", "private_construction_contractor_to_sub": "7 days after receipt of payment", "private_construction_interest": "1.5% per month, with no cap, until paid", "lien_preliminary_notice": "Not generally required for subcontractors. Suppliers to subcontractors must send a notice of nonpayment to the owner and contractor within 75 days after the last day of the month of delivery when a notice of contract was filed; equipment lessors and design professionals have their own notice rules.", "lien_claim_deadline": "Generally 60 days after a notice of termination is filed, or after substantial completion or abandonment if none is filed; if the owner filed a timely notice of contract, 30 days after a notice of termination (or 6 months after substantial completion if none is filed). R.S. 9:4822.", "lien_enforce_deadline": "Suit against the owner within 1 year after filing the statement of claim (R.S. 9:4823); a notice of pendency of action must also be filed within 1 year to bind third parties.", "public_bond_statute": "La. R.S. 38:2241 et seq. (Public Works Act)", "public_bond_threshold": "Contracts over $25,000 per project (over $250,000 in Ascension Parish); bond of at least 50% of the contract price", "public_bond_claim_notice": "File a sworn statement of the amount due with the public entity, and record it, within 45 days after recordation of acceptance of the work or notice of default (R.S. 38:2242(B)); suppliers to subcontractors must also send a notice of nonpayment within 75 days after the last day of the month of delivery.", "verified_on": "2026-11-12" }, { "code": "ME", "state": "Maine", "page_url": "/states/maine/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Maine Secretary of State, Bureau of Corporations, Elections and Commissions (UCC Section), Augusta", "ucc_search_url": "https://apps1.web.maine.gov/cgi-bin/online/ucc/index.pl", "state_agency_prompt_pay_days": "No more than 25 working days after the later of receipt of a proper invoice or receipt of the goods or services, unless the parties agree otherwise", "state_agency_late_interest": "A late fee no higher than the vendor's normal late charge, running from the day after the required payment date", "state_agency_prompt_pay_statute": "5 M.R.S. §§1551 to 1558", "private_construction_owner_to_contractor": "20 days after the end of the billing period or 20 days after delivery of the invoice, whichever is later, unless otherwise agreed", "private_construction_contractor_to_sub": "7 days after receipt of payment or 7 days after receipt of the sub's invoice, whichever is later, notwithstanding a contrary agreement", "private_construction_interest": "Interest at the rate in 14 M.R.S. §1602-C from the day after the due date, plus a 1% per month penalty on sums wrongfully withheld (§1118)", "lien_preliminary_notice": "Not generally required. A claimant without a direct contract must give the owner a statutory notice on residential work (it does not apply to commercial projects unless the owner lives there).", "lien_claim_deadline": "Subcontractors and suppliers must file a lien statement with the county registry of deeds within 90 days after last furnishing labor or materials (§3253)", "lien_enforce_deadline": "Court action within 120 days after last furnishing labor or materials (§3255)", "public_bond_statute": "14 M.R.S. §871", "public_bond_threshold": "Public construction contracts over $125,000 (payment bond for the full contract amount)", "public_bond_claim_notice": "Claimants without a direct contract with the contractor must give written notice within 90 days after their last labor or materials; suit generally within 1 year after last labor or materials", "verified_on": "2026-11-12" }, { "code": "MD", "state": "Maryland", "page_url": "/states/maryland/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Maryland State Department of Assessments and Taxation (SDAT), UCC Division, 700 E. Pratt St., Baltimore", "ucc_search_url": "https://egov.maryland.gov/sdat/uccfiling/uccmainpage.aspx", "state_agency_prompt_pay_days": "Within 30 days after the payment due date in the contract or, if later, after the agency receives the invoice", "state_agency_late_interest": "9% per year on amounts unpaid more than 45 days after the agency receives the invoice, starting on day 31; the contractor must invoice for the interest within 30 days of the state's payment", "state_agency_prompt_pay_statute": "Md. Code, State Fin. & Proc. §§15-101 to 15-105", "private_construction_owner_to_contractor": "Undisputed amounts within 7 days after the payment date set in the contract; if the contract sets none, within 30 days after the occupancy permit or the owner takes possession, whichever is earlier", "private_construction_contractor_to_sub": "Undisputed amounts within 7 days after the contractor receives each payment", "private_construction_interest": "The statute sets no rate; interest runs from the date a court finds the amount was due, and attorney fees may be awarded for bad faith nonpayment", "lien_preliminary_notice": "Subcontractors must give the owner written notice of intent to claim a lien within 120 days after doing the work or furnishing the materials (§9-104), by certified mail or personal delivery", "lien_claim_deadline": "File a petition to establish the lien in circuit court within 180 days after the work is finished or materials furnished (§9-105)", "lien_enforce_deadline": "1 year from the day the petition to establish the lien was first filed (§9-109)", "public_bond_statute": "Md. Code, State Fin. & Proc. §17-101 et seq. (Little Miller Act)", "public_bond_threshold": "Construction contracts above the small procurement amount: generally over $100,000 (over $200,000 for DGS and MDOT construction); payment security of at least 50% of the contract; local public bodies may require it on contracts over $100,000", "public_bond_claim_notice": "Suppliers with no contract with the prime must give written notice to the contractor by certified mail within 90 days after last supplying labor or materials (§17-108(b))", "verified_on": "2026-11-12" }, { "code": "MA", "state": "Massachusetts", "page_url": "/states/massachusetts/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Secretary of the Commonwealth, Corporations Division (UCC Section), Boston", "ucc_search_url": "https://corp.sec.state.ma.us/CorpWeb/UCCSearch/UCCSearch.aspx", "state_agency_prompt_pay_days": "On the contract date or, if none, not more than 45 days after receipt of a properly approved invoice", "state_agency_late_interest": "Late penalty interest at a rate reset each January 1 and July 1 to match the Federal Reserve Bank of Boston discount rate", "state_agency_prompt_pay_statute": "M.G.L. c. 29, §29C; 815 CMR 4.00", "private_construction_owner_to_contractor": "On projects with an original contract price of $3M or more (excluding 1 to 4 unit residential), the owner has 15 days to approve or reject a payment application and must pay within 45 days after approval", "private_construction_contractor_to_sub": "Each lower tier gets 7 more days to approve or reject, then pays within 45 days after approval", "private_construction_interest": "The statute sets no rate; contract terms or the general contract interest rate apply", "lien_preliminary_notice": "Lower-tier subs and suppliers should send a notice of identification to the general contractor by certified mail within 30 days of starting work, or their lien is capped (§4)", "lien_claim_deadline": "Record a notice of contract by the earliest of 60 days after a notice of substantial completion, 90 days after a notice of termination, or 90 days after last furnishing; then record a statement of account by the earliest of 90 days after substantial completion notice, 120 days after termination notice, or 120 days after last furnishing (§§4, 8)", "lien_enforce_deadline": "Sue within 90 days after filing the statement of account, and record an attested copy of the complaint within 30 days after filing suit (§§5, 11)", "public_bond_statute": "M.G.L. c. 149, §29", "public_bond_threshold": "Public construction contracts over $25,000; bond of at least 50% of the contract price", "public_bond_claim_notice": "Claimants without a direct contract with the general contractor must send written notice by registered or certified mail within 65 days after last furnishing labor or materials; suit within 1 year after last furnishing", "verified_on": "2026-11-12" }, { "code": "MI", "state": "Michigan", "page_url": "/states/michigan/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Michigan Department of State (Secretary of State), Uniform Commercial Code Section, Lansing", "ucc_search_url": "https://ucc.michigan.gov/", "state_agency_prompt_pay_days": "Payment mailed within 45 days after the latest of receipt of the goods or services, a complete invoice, or a complete contract, unless otherwise agreed in writing", "state_agency_late_interest": "0.75% of the past-due amount for each month or part of a month, with no request needed from the vendor", "state_agency_prompt_pay_statute": "MCL 17.51 to 17.57 (1984 PA 279, payments to private enterprises)", "private_construction_owner_to_contractor": null, "private_construction_contractor_to_sub": null, "private_construction_interest": null, "lien_preliminary_notice": "Subcontractors and suppliers must serve a notice of furnishing on the owner's designee and the general contractor within 20 days after first furnishing (MCL 570.1109); late notice limits but does not always defeat the lien", "lien_claim_deadline": "Record a claim of lien with the county register of deeds within 90 days after last furnishing labor or materials", "lien_enforce_deadline": "Action to enforce within 1 year after recording the claim of lien", "public_bond_statute": "MCL 129.201 et seq.", "public_bond_threshold": "Public construction contracts over $50,000 (performance and payment bonds)", "public_bond_claim_notice": "Claimants without a direct contract with the prime must give the prime written notice within 30 days after first furnishing, and notice to the prime and the governmental unit within 90 days after last furnishing, both by certified mail (MCL 129.207)", "verified_on": "2026-11-12" }, { "code": "MN", "state": "Minnesota", "page_url": "/states/minnesota/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Office of the Minnesota Secretary of State, Business and Lien Services, Saint Paul", "ucc_search_url": "https://mblsportal.sos.mn.gov/", "state_agency_prompt_pay_days": "State agencies: within 30 days after receipt of the invoice for completed delivery (or within an early-payment discount period). Local governments: 35 days, or 45 days if the governing board meets less than monthly.", "state_agency_late_interest": "1.5% per month or part of a month on undisputed bills, with a $10 monthly minimum on balances of $100 or more", "state_agency_prompt_pay_statute": "Minn. Stat. §16A.124 (state agencies); §471.425 (local governments)", "private_construction_owner_to_contractor": "Progress payments monthly based on approved estimates, unless the contract provides otherwise; retainage capped at 5% and released within 60 days after substantial completion", "private_construction_contractor_to_sub": "Within 10 days of receiving payment for undisputed work", "private_construction_interest": "1.5% per month on undisputed amounts paid late ($10 monthly minimum on balances of $100 or more)", "lien_preliminary_notice": "Claimants without a direct contract with the owner must give a prelien notice within 45 days after first furnishing (§514.011, subd. 2), except on larger nonresidential projects (more than 5,000 usable square feet), residential buildings with more than 4 units, and related-party projects", "lien_claim_deadline": "File the lien statement with the county recorder (or registrar of titles) and serve it on the owner within 120 days after last furnishing (§514.08)", "lien_enforce_deadline": "Suit within 1 year after the last item of work or materials", "public_bond_statute": "Minn. Stat. §§574.26 to 574.31", "public_bond_threshold": "Public contracts at or above the formal bid threshold in §471.345, subd. 3 (contracts estimated over $175,000); bond generally for at least the contract price", "public_bond_claim_notice": "Written notice to the surety and contractor within 120 days after the claimant's last labor or materials, by personal service or certified mail; suit within 1 year of the last furnishing stated in the notice (§574.31)", "verified_on": "2026-11-12" }, { "code": "MS", "state": "Mississippi", "page_url": "/states/mississippi/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Mississippi Secretary of State, Business Services (UCC)", "ucc_search_url": "https://www.sos.ms.gov/business-services/uniform-commercial-code/ucc-search", "state_agency_prompt_pay_days": "45 days after receipt of the invoice and receipt, inspection and approval of the goods or services", "state_agency_late_interest": "1.5% per month (or portion of a month) on the unpaid balance after the 45 day period", "state_agency_prompt_pay_statute": "Miss. Code Ann. §31-7-305", "private_construction_owner_to_contractor": "Progress payments due per the contract; interest starts if unpaid 30 days after the due date. Final payment generally due on completion, beneficial occupancy or architect certification.", "private_construction_contractor_to_sub": "Upon receipt of owner payment, in proportion to work completed; a penalty applies if unpaid within 15 days without reasonable cause", "private_construction_interest": "Owner to contractor: 1% per month. Contractor to sub: 0.5% per day penalty, capped at 15% of the balance.", "lien_preliminary_notice": "Generally, a claimant without a contract with the general contractor must give the general contractor written notice within 30 days of first furnishing (§85-7-407). Single-family residential projects use a pre-lien notice to the owner at least 10 days before filing instead.", "lien_claim_deadline": "Within 90 days after the claimant's last work or materials, filed with the county chancery clerk", "lien_enforce_deadline": "Suit within 180 days after the lien is filed (can be cut to 90 days if the owner records a notice of contest)", "public_bond_statute": "Miss. Code Ann. §31-5-51", "public_bond_threshold": "Payment bond generally required; contracts under $25,000 paid in a lump sum at completion may skip the bond", "public_bond_claim_notice": "Claimants with a contract with a subcontractor but not the prime must give written notice to the prime within 90 days of last furnishing; suit within 1 year of last furnishing (§31-5-53)", "verified_on": "2026-11-12" }, { "code": "MO", "state": "Missouri", "page_url": "/states/missouri/", "disclosure_status": "in_effect", "disclosure_law": "Missouri Commercial Financing Disclosure Law", "disclosure_citation": "RSMo 427.300", "disclosure_effective": "2025-02-28", "disclosure_threshold": "Transactions of $500,000 or less; applies to providers that consummate more than 5 commercial financing transactions with Missouri businesses in a calendar year", "disclosure_covers_factoring": true, "disclosure_apr_required": false, "provider_registration": "Commercial financing brokers must register with the Missouri Division of Finance ($100 initial fee, $50 annual renewal due January 31) and keep a $10,000 surety bond on file. Providers themselves do not register.", "ucc_filing_office": "Missouri Secretary of State, Uniform Commercial Code Division (Jefferson City)", "ucc_search_url": "https://bsd.sos.mo.gov/LoginWelcome.aspx?lobID=0", "state_agency_prompt_pay_days": "Generally 30 days after the later of delivery or receipt of a proper invoice; interest is owed if the bill is still unpaid after the 45th day", "state_agency_late_interest": "Prime rate plus 3 percentage points, retroactive to the 30th day, on unpaid balances after day 45 (state agency purchases). Public construction: 1.5% per month on late payments to subs and suppliers.", "state_agency_prompt_pay_statute": "RSMo 34.055 (state agency purchases); RSMo 34.057 (public construction)", "private_construction_owner_to_contractor": "Per the contract's payment schedule; the statute sets no fixed number of days", "private_construction_contractor_to_sub": "Per the contract's payment schedule; the statute sets no fixed number of days", "private_construction_interest": "Court may award up to 1.5% per month from the date payment was due, plus attorney fees to the prevailing party", "lien_preliminary_notice": "Original contractors must give the owner a written Notice to Owner before receiving payment. Subcontractors and suppliers must send a Notice of Intent to Lien at least 10 days before filing. On owner-occupied residential projects of 4 units or less, subs and suppliers need the owner's signed consent.", "lien_claim_deadline": "Generally within 6 months after the claimant last furnished labor or materials", "lien_enforce_deadline": "Suit generally within 6 months after the lien is filed", "public_bond_statute": "RSMo 107.170", "public_bond_threshold": "Public works contracts estimated to exceed $50,000", "public_bond_claim_notice": "Remote suppliers must give the contractor written notice of nonpayment within 90 days of their last delivery; other claimants follow the bond's terms", "verified_on": "2026-11-12" }, { "code": "MT", "state": "Montana", "page_url": "/states/montana/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Montana Secretary of State, Business and UCC Services (Helena)", "ucc_search_url": "https://biz.sosmt.gov/", "state_agency_prompt_pay_days": "When due under the contract, or if no date is set, 30 days after the later of receipt of a properly completed invoice or receipt of the goods or services", "state_agency_late_interest": "Simple interest of 0.05% per day on late amounts", "state_agency_prompt_pay_statute": "Mont. Code Ann. §17-8-241 to 17-8-244", "private_construction_owner_to_contractor": "Payment request deemed approved 21 days after receipt unless disapproved in writing; approved amount due within 7 days", "private_construction_contractor_to_sub": "Within 7 days after the contractor receives payment", "private_construction_interest": "1.5% per month on payments more than 30 days late", "lien_preliminary_notice": "Notice of right to claim a lien within 20 days of first furnishing (45 days with certain lender-funded work), filed with the county clerk and recorder within 5 business days. Not required for work on commercial projects or dwellings for 5 or more families, or for contractors hired directly by the owner.", "lien_claim_deadline": "Within 90 days after the claimant's final furnishing, or 90 days after the owner files a notice of completion", "lien_enforce_deadline": "Generally within 2 years after the lien is filed", "public_bond_statute": "Mont. Code Ann. §18-2-201 et seq.", "public_bond_threshold": "Bond generally required for the full contract price; may be waived for projects under $50,000 ($7,500 for school districts)", "public_bond_claim_notice": "Suppliers to a subcontractor must notify the prime within 30 days after first delivery (§18-2-206); bond claims must be filed with the public body within 90 days after completion and acceptance (§18-2-204)", "verified_on": "2026-11-12" }, { "code": "NE", "state": "Nebraska", "page_url": "/states/nebraska/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Nebraska Secretary of State, Business Services Division (UCC/EFS)", "ucc_search_url": "https://business.nebraska.gov", "state_agency_prompt_pay_days": "45 calendar days after the later of receipt of the goods or services or receipt of the bill (60 days for certain third-party goods or services)", "state_agency_late_interest": "Rate set under §45-104.02 (federal short-term rate plus 3 points, reset by the Tax Commissioner), accruing from day 31, payable only if the creditor requests it within 90 days after payment was due", "state_agency_prompt_pay_statute": "Neb. Rev. Stat. §81-2401 et seq. (Prompt Payment Act)", "private_construction_owner_to_contractor": "Within 30 days after receipt of a proper payment request; retainage released within 45 days after substantial completion", "private_construction_contractor_to_sub": "Within 10 days after the contractor receives each periodic or final payment", "private_construction_interest": "1% per month on the unpaid balance from the day after the due date, once the paying party has been notified of the statute", "lien_preliminary_notice": "Not generally required. Notice of the right to assert a lien applies when the owner is a protected party (owner-occupied 1 to 4 unit residential, residential lots, condo unit owners).", "lien_claim_deadline": "Within 120 days after the claimant's final furnishing of services or materials", "lien_enforce_deadline": "Lien is enforceable for 2 years after recording; an owner's written demand can force suit within 30 days", "public_bond_statute": "Neb. Rev. Stat. §52-118 to 52-118.02", "public_bond_threshold": "State projects over $15,000; county, city, school district and other local projects over $10,000", "public_bond_claim_notice": "Claimants with a contract with a subcontractor but not the prime must give the prime written notice within 4 months after last furnishing; suit within 1 year after final settlement of the prime contract", "verified_on": "2026-11-12" }, { "code": "NV", "state": "Nevada", "page_url": "/states/nevada/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Nevada Secretary of State, Commercial Recordings (UCC)", "ucc_search_url": "https://orion.nv.gov/", "state_agency_prompt_pay_days": "Public works: progress payments within 30 days after the public body receives the bill; contractor pays subs within 10 days of receiving payment", "state_agency_late_interest": "Owed to contractor: a quarterly rate tied to 90-day certificate of deposit rates. Owed to subs and suppliers: lowest prime rate at the 3 largest US banks plus 2%.", "state_agency_prompt_pay_statute": "NRS 338.515 to 338.565 (public works); no general state vendor prompt payment statute found", "private_construction_owner_to_contractor": "Per the written schedule, or within 21 days after a payment request if there is no schedule; final payment within 30 days after occupancy or use", "private_construction_contractor_to_sub": "By the scheduled date or within 10 days after the contractor is paid, whichever is earlier (if no schedule, the earlier of 30 days after the request or 10 days after payment)", "private_construction_interest": "The higher of the contract rate or the prime rate at the largest Nevada bank, plus 4%", "lien_preliminary_notice": "Notice of right to lien to the owner and general contractor within 31 days of first furnishing, by anyone not contracting directly with the owner (laborers exempt). Residential projects also need a 15 day notice of intent before recording.", "lien_claim_deadline": "Generally within 90 days after the latest of completion of the work, last delivery or last performance; 40 days after a recorded and served notice of completion", "lien_enforce_deadline": "Suit within 6 months after recording (extendable by written agreement with the owner)", "public_bond_statute": "NRS 339.015 et seq. (NRS 339.025)", "public_bond_threshold": "Public contracts over $100,000", "public_bond_claim_notice": "Claimants without a contract with the prime serve preliminary notice within 30 days of first furnishing; written claim notice to the contractor within 90 days after last furnishing; suit within 1 year", "verified_on": "2026-11-12" }, { "code": "NH", "state": "New Hampshire", "page_url": "/states/new-hampshire/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "New Hampshire Department of State, Corporation, UCC and Securities Division (Concord)", "ucc_search_url": null, "state_agency_prompt_pay_days": null, "state_agency_late_interest": null, "state_agency_prompt_pay_statute": null, "private_construction_owner_to_contractor": null, "private_construction_contractor_to_sub": null, "private_construction_interest": null, "lien_preliminary_notice": "Subcontractors and suppliers not in contract with the owner must give the owner written notice, ideally before furnishing (RSA 447:5); later notice only protects amounts still owed, and an account should be given about every 30 days (RSA 447:8).", "lien_claim_deadline": "The lien lasts 120 days after the claimant last performs services or furnishes materials (RSA 447:9) and must be secured by court attachment within that window", "lien_enforce_deadline": "Within the same 120 days, by petition to the superior court to secure the lien by attachment", "public_bond_statute": "RSA 447:15 to 447:18", "public_bond_threshold": "Contracts involving $75,000 for the state or $125,000 for a political subdivision", "public_bond_claim_notice": "Claim statement within 90 days after completion and acceptance of the project, filed with the Secretary of State (state contracts), the transportation or administrative services department, or the county superior court clerk (political subdivisions); suit within 1 year after filing the claim", "verified_on": "2026-11-12" }, { "code": "NJ", "state": "New Jersey", "page_url": "/states/new-jersey/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "New Jersey Department of the Treasury, Division of Revenue and Enterprise Services (DORES), UCC Section", "ucc_search_url": "https://www.njportal.com/UCC/", "state_agency_prompt_pay_days": "Generally 60 days after the later of receipt of goods or services or a properly executed invoice, or 60 days after a contract payment date; 30 days for construction-related contracts", "state_agency_late_interest": "Interest at a rate the State Treasurer sets each fiscal year, with separate rates for construction and non-construction vendors", "state_agency_prompt_pay_statute": "New Jersey Prompt Payment Act, P.L.1987, c.184 (N.J.S.A. 52:32-32 et seq.)", "private_construction_owner_to_contractor": "Within 30 days after the billing date in the contract; a payment request is deemed approved within 20 days unless the owner issues a written withholding statement", "private_construction_contractor_to_sub": "Within 10 days after receipt of payment, unless the contract says otherwise", "private_construction_interest": "Prime rate plus 1%; prevailing party recovers reasonable costs and attorney fees", "lien_preliminary_notice": "Not generally required on commercial projects; on residential projects a Notice of Unpaid Balance and Right to File Lien must be filed within 60 days of last furnishing, followed by arbitration", "lien_claim_deadline": "Within 90 days after last furnishing labor or materials (residential: 120 days, after the arbitration step)", "lien_enforce_deadline": "Within 1 year after last furnishing (not from the lien filing), or within 30 days of an owner's demand to sue", "public_bond_statute": "N.J.S.A. 2A:44-143 to 2A:44-147", "public_bond_threshold": "Payment and performance bond required on public works; the state may waive it on contracts of $200,000 or less, and local units and school districts on contracts of $100,000 or less", "public_bond_claim_notice": "A sub or supplier must give the surety a statement of the amount due within 1 year of last furnishing, wait 90 days, and sue within 1 year of last furnishing", "verified_on": "2026-11-12" }, { "code": "NM", "state": "New Mexico", "page_url": "/states/new-mexico/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "New Mexico Secretary of State, Business Services (UCC filings), Santa Fe", "ucc_search_url": "https://enterprise.sos.nm.gov/search/ucc", "state_agency_prompt_pay_days": "Agency certifies acceptance or rejection within 15 days of a payment request, then pays within 30 days of certifying acceptance", "state_agency_late_interest": "Late payment charges of 1.5% per month after the 30th day, unless the contract provides otherwise", "state_agency_prompt_pay_statute": "NMSA 1978 §13-1-158 (Procurement Code, payments for purchases)", "private_construction_owner_to_contractor": "Progress payments within 21 days after receipt of a proper payment request; final payment within 10 days after certification of completion", "private_construction_contractor_to_sub": "Within 7 days after receipt of payment", "private_construction_interest": "1.5% per month; the court may award attorney fees", "lien_preliminary_notice": "Required for claims over $5,000 by parties without a contract with the owner or prime, within 60 days after first furnishing (NMSA §48-2-2.1); not required on residential projects of fewer than 4 dwellings", "lien_claim_deadline": "Within 90 days after completion of the building or improvement; an original contractor has 120 days after completing its contract", "lien_enforce_deadline": "Within 2 years after the lien is filed (court action or binding arbitration)", "public_bond_statute": "NMSA 1978 §13-4-18 and §13-4-19", "public_bond_threshold": "Construction contracts over $25,000; below that the agency may require bonds at its discretion", "public_bond_claim_notice": "A claimant without a direct contract with the prime must give written notice to the prime within 90 days after its last labor or materials; suit within 1 year after final settlement of the contract", "verified_on": "2026-11-12" }, { "code": "NY", "state": "New York", "page_url": "/states/new-york/", "disclosure_status": "in_effect", "disclosure_law": "New York Commercial Finance Disclosure Law", "disclosure_citation": "N.Y. Fin. Serv. Law §801 et seq. (Article 8); 23 NYCRR Part 600", "disclosure_effective": "2023-08-01", "disclosure_threshold": "Transactions of $2.5MM or less", "disclosure_covers_factoring": true, "disclosure_apr_required": true, "provider_registration": null, "ucc_filing_office": "New York Department of State, Division of Corporations, State Records and Uniform Commercial Code (UCC Section, Albany)", "ucc_search_url": "https://ucc-efiling.dos.ny.gov/", "state_agency_prompt_pay_days": "Generally 30 days after a state agency receives a proper invoice, excluding legal holidays; 15 days for qualifying small businesses that invoice electronically and request expedited payment", "state_agency_late_interest": "Interest at the overpayment rate set by the Commissioner of Taxation and Finance (State Fin. Law §179-g); amounts under $10 are not paid", "state_agency_prompt_pay_statute": "N.Y. State Fin. Law §179-f (state agencies); Gen. Mun. Law §106-b (municipalities); Pub. Auth. Law §2880 (public authorities)", "private_construction_owner_to_contractor": "Owner approves or disapproves an invoice within 12 business days, then pays within 30 days after approval", "private_construction_contractor_to_sub": "7 days after the contractor receives good funds", "private_construction_interest": "1% per month, or a higher contract rate", "lien_preliminary_notice": "Not generally required", "lien_claim_deadline": "Within 8 months after completion of the contract or the claimant's last furnishing; 4 months for a single-family dwelling", "lien_enforce_deadline": "Generally 1 year after the lien is filed, unless extended (a second extension requires a court order)", "public_bond_statute": "N.Y. State Fin. Law §137", "public_bond_threshold": "Payment bond generally required on state public improvement contracts; the agency may waive bonds on contracts under $100,000", "public_bond_claim_notice": "A claimant with no direct contract with the prime must give written notice to the prime within 120 days after its last labor or materials", "verified_on": "2026-11-12" }, { "code": "NC", "state": "North Carolina", "page_url": "/southeast/north-carolina/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "North Carolina Department of the Secretary of State, Uniform Commercial Code Section (Raleigh)", "ucc_search_url": "https://www.sosnc.gov/online_services/search/by_title/search_uniform_commercial_code", "state_agency_prompt_pay_days": "Periodic payments follow the contract; the balance due a prime is payable within 45 days after the project is accepted, certified complete or occupied, whichever comes first", "state_agency_late_interest": "1% per month on late payments to primes (from day 46) and to subs (from day 8), unless a lower rate is agreed", "state_agency_prompt_pay_statute": "N.C. Gen. Stat. §143-134.1 (public construction)", "private_construction_owner_to_contractor": "No statutory deadline; set by the contract", "private_construction_contractor_to_sub": "Within 7 days after the contractor or subcontractor receives periodic or final payment", "private_construction_interest": "1% per month from the 8th day (G.S. 22C-5)", "lien_preliminary_notice": "Where the owner has designated a lien agent (required for improvements costing $40,000 or more, with owner-occupied home exceptions), serve a Notice to Lien Agent within 15 days after first furnishing to protect lien rights and priority", "lien_claim_deadline": "Within 120 days after the claimant's last furnishing of labor or materials at the site (G.S. 44A-12)", "lien_enforce_deadline": "Within 180 days after last furnishing (G.S. 44A-13)", "public_bond_statute": "N.C. Gen. Stat. §44A-25 et seq. (Chapter 44A, Article 3)", "public_bond_threshold": "Required from each contractor with a contract over $50,000 when total construction contracts on the project exceed $300,000 ($500,000 for state departments, agencies and the UNC system)", "public_bond_claim_notice": "A claimant without a contract with the prime must give written notice of claim to the prime within 120 days after its last labor or materials", "verified_on": "2026-11-12" }, { "code": "ND", "state": "North Dakota", "page_url": "/states/north-dakota/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "North Dakota Secretary of State, Central Indexing System (NDCIS)", "ucc_search_url": "https://cis.sos.nd.gov/UCCPublicSearch", "state_agency_prompt_pay_days": "By the contract date, or if none, within 45 days after receipt of the invoice", "state_agency_late_interest": "1.75% per month unless the contract sets a different rate", "state_agency_prompt_pay_statute": "N.D.C.C. §13-01.1-01 et seq.", "private_construction_owner_to_contractor": null, "private_construction_contractor_to_sub": null, "private_construction_interest": null, "lien_preliminary_notice": "Written notice that a lien will be claimed must go to the owner by certified mail at least 10 days before recording (N.D.C.C. §35-27-02)", "lien_claim_deadline": "Record with the county recorder within 90 days after the claimant's contribution is done (N.D.C.C. §35-27-13)", "lien_enforce_deadline": "Within 3 years after recording, or within 30 days after an owner's written demand; written notice of intent to enforce must precede suit", "public_bond_statute": "N.D.C.C. §48-01.2-10 to 48-01.2-12", "public_bond_threshold": "Public improvement contracts over $100,000", "public_bond_claim_notice": "Claim to the prime contractor within 90 days after the claimant's last labor or materials; suit within 1 year after completion and acceptance of the project", "verified_on": "2026-11-12" }, { "code": "OH", "state": "Ohio", "page_url": "/states/ohio/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Ohio Secretary of State, Business Services Division, UCC Section (Columbus)", "ucc_search_url": "https://ucc.ohiosos.gov/dashboard", "state_agency_prompt_pay_days": "By the contract payment date, or if none, 30 days after the state agency receives a proper invoice; the agency must flag a defective invoice within 15 days", "state_agency_late_interest": "Monthly rate equal to 1/12 of the annual rate set under R.C. 5703.47 (the state's tax interest rate), compounding every 30 days; amounts under $10 are not paid", "state_agency_prompt_pay_statute": "Ohio Rev. Code §126.30", "private_construction_owner_to_contractor": "No statutory deadline; set by the contract", "private_construction_contractor_to_sub": "Within 10 calendar days after the contractor receives payment from the owner, including final retainage", "private_construction_interest": "18% per year on late payments to subs and suppliers", "lien_preliminary_notice": "Subs and suppliers without a contract with the owner must serve a Notice of Furnishing within 21 days after first furnishing (or after a Notice of Commencement is recorded) when the owner has recorded a Notice of Commencement", "lien_claim_deadline": "Within 75 days after last furnishing on commercial projects; 60 days for one- and two-family dwellings and residential condo units; 120 days for oil and gas well liens (R.C. 1311.06)", "lien_enforce_deadline": "The lien lasts 6 years after the affidavit is filed (R.C. 1311.13), but if the owner serves a Notice to Commence Suit, suit is generally due within 60 days of receiving it", "public_bond_statute": "Ohio Rev. Code §153.54 to 153.56", "public_bond_threshold": null, "public_bond_claim_notice": "Subs or suppliers furnishing more than $30,000 without a direct contract with the prime must serve a Notice of Furnishing; claim to the surety no later than 90 days after completion and acceptance; suit after 60 days and within 1 year of acceptance", "verified_on": "2026-11-12" }, { "code": "OK", "state": "Oklahoma", "page_url": "/states/oklahoma/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Oklahoma County Clerk, UCC Central Filing Office (Oklahoma City), the statewide central filing office", "ucc_search_url": null, "state_agency_prompt_pay_days": "Generally within 45 days of the designated office receiving a proper invoice", "state_agency_late_interest": "Late-payment interest at an annual rate set from the State Treasurer's average 30-day deposit rate (3.68% a year for FY2027, July 1, 2026 to June 30, 2027)", "state_agency_prompt_pay_statute": "62 O.S. §§34.71 and 34.72; 74 O.S. §500.16A; OMES Prompt Payment Rules (OAC 260:10)", "private_construction_owner_to_contractor": "Within 28 calendar days after receipt of billing, when the contract does not set other terms", "private_construction_contractor_to_sub": "Within 10 calendar days of payment from the owner", "private_construction_interest": null, "lien_preliminary_notice": "Subcontractors and suppliers (not the original contractor) generally must send a pre-lien notice to the owner and original contractor no later than 75 days after last furnishing when the claim is $10,000 or more or the property is an owner-occupied dwelling (42 O.S. §142.6).", "lien_claim_deadline": "Generally within 90 days after last furnishing for subcontractors and suppliers (4 months for original contractors)", "lien_enforce_deadline": "Generally within 1 year after the lien is filed with the county clerk", "public_bond_statute": "61 O.S. §§1-2", "public_bond_threshold": "Public contracts over $100,000 (raised from $50,000 effective November 1, 2022)", "public_bond_claim_notice": "Claimants without a direct contract with the prime must give written notice to the contractor and surety within 90 days of last furnishing; suit generally within 1 year of last labor", "verified_on": "2026-11-12" }, { "code": "OR", "state": "Oregon", "page_url": "/states/oregon/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Oregon Secretary of State, Corporation Division (UCC section, Salem)", "ucc_search_url": "https://secure.sos.state.or.us/ucc/searchHome.action", "state_agency_prompt_pay_days": "Claims are overdue if not paid within 45 days of the latest of invoice receipt, billing statement or the date the claim is made certain", "state_agency_late_interest": "Two-thirds of 1% per month, capped at 8% a year, on overdue state agency accounts", "state_agency_prompt_pay_statute": "ORS 293.462", "private_construction_owner_to_contractor": "Progress payments no later than 14 days after the owner receives the billing; final payment within 7 days after the owner approves the work", "private_construction_contractor_to_sub": "Within 7 days after the original contractor receives payment", "private_construction_interest": "1.5% per month on late payments", "lien_preliminary_notice": "A notice of right to a lien to the owner is generally required from suppliers of materials, equipment or services not hired by the owner (not for labor on a commercial improvement); it protects only work furnished from 8 business days before the notice is delivered (ORS 87.021).", "lien_claim_deadline": "Generally within 75 days after the claimant's last furnishing or after completion of construction, whichever is earlier", "lien_enforce_deadline": "Generally within 120 days after the lien is filed, with a notice of intent to foreclose sent at least 10 days before suit", "public_bond_statute": "ORS 279C.380 and 279C.600 to 279C.610", "public_bond_threshold": "Public improvement contracts over $100,000 (over $50,000 for highway, bridge and other transportation projects)", "public_bond_claim_notice": "Written notice of claim to the contractor and contracting agency no later than 180 days after last furnishing; suit within 2 years after last furnishing", "verified_on": "2026-11-12" }, { "code": "PA", "state": "Pennsylvania", "page_url": "/states/pennsylvania/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Pennsylvania Department of State, Bureau of Corporations and Charitable Organizations (UCC section, Harrisburg)", "ucc_search_url": null, "state_agency_prompt_pay_days": "30 days after receipt of a proper invoice when the contract sets no due date, with a 15-day grace period before interest", "state_agency_late_interest": "Interest penalties at the rate the Secretary of Revenue sets for overdue taxes; required for qualified small businesses (100 or fewer employees) that mark their invoices as such", "state_agency_prompt_pay_statute": "72 P.S. §1507 (Fiscal Code); 4 Pa. Code §§2.31-2.40", "private_construction_owner_to_contractor": "Per the contract; if the contract is silent, 20 days after the end of the billing period or 20 days after delivery of the invoice, whichever is later", "private_construction_contractor_to_sub": "14 days after receipt of each progress or final payment, or 14 days after the sub's invoice, whichever is later", "private_construction_interest": "1% per month on late payments, plus a further 1% per month penalty and attorney fees if payment was wrongfully withheld", "lien_preliminary_notice": "On projects of $1.5MM or more where the owner filed a Notice of Commencement in the State Construction Notices Directory, subs must file a Notice of Furnishing within 45 days of first work. Subs must also give the owner formal written notice at least 30 days before filing a lien.", "lien_claim_deadline": "Generally within 6 months after completion of the claimant's work", "lien_enforce_deadline": "Generally within 2 years after the lien claim is filed", "public_bond_statute": "Public Works Contractors' Bond Law of 1967, 8 P.S. §191 et seq.", "public_bond_threshold": "Public works contracts over $5,000", "public_bond_claim_notice": "Claimants without a direct contract with the prime must give written notice to the prime within 90 days after last furnishing; suit generally within 1 year", "verified_on": "2026-11-12" }, { "code": "RI", "state": "Rhode Island", "page_url": "/states/rhode-island/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Rhode Island Department of State (Secretary of State), Business Services Division, UCC section, Providence", "ucc_search_url": "https://business.sos.ri.gov/CorpWeb/UccSearch/UccSearch.aspx", "state_agency_prompt_pay_days": "Within 30 calendar days of receipt of a proper invoice, or by other contractual periodic payment dates", "state_agency_late_interest": "The prime rate as published in the Wall Street Journal on the first business day of each month, compounding monthly on unpaid interest", "state_agency_prompt_pay_statute": "R.I. Gen. Laws §42-11.1-1 et seq.", "private_construction_owner_to_contractor": null, "private_construction_contractor_to_sub": null, "private_construction_interest": null, "lien_preliminary_notice": "Contractors hired directly by the owner (other than material suppliers) must give the owner a notice of possible lien before starting work (§34-28-4.1); subcontractors and suppliers generally have no preliminary notice requirement.", "lien_claim_deadline": "Generally mail and record a notice of intention within 200 days after the work or materials were furnished", "lien_enforce_deadline": "Generally file the complaint to enforce and a notice of lis pendens within 40 days of recording the notice of intention", "public_bond_statute": "R.I. Gen. Laws §37-12-1 et seq.", "public_bond_threshold": "All public building construction, improvement or repair contracts; public road and bridge contracts over $150,000", "public_bond_claim_notice": "Claimants without a direct contract with the prime must give written notice by certified mail within 90 days of last furnishing; suit within 2 years", "verified_on": "2026-11-12" }, { "code": "SC", "state": "South Carolina", "page_url": "/southeast/south-carolina/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "South Carolina Secretary of State, UCC Division (Columbia)", "ucc_search_url": "https://ucconline.sc.gov/UCCFiling/UCCMainPage.aspx", "state_agency_prompt_pay_days": "Payment vouchers must reach the Comptroller General within 30 work days of acceptance of the goods or services and a proper invoice", "state_agency_late_interest": "Up to 15% a year on the unpaid balance after the 30th work day, unless the vendor waives it", "state_agency_prompt_pay_statute": "S.C. Code §11-35-45", "private_construction_owner_to_contractor": "Undisputed amount of a pay request within 21 days of receipt", "private_construction_contractor_to_sub": "Within 7 days of receiving each periodic or final payment", "private_construction_interest": "1% per month from the due date, but only if the payer was notified of the statute when payment was requested", "lien_preliminary_notice": "Not generally required to preserve a lien, but if the owner or contractor files a Notice of Project Commencement, sub-subcontractors and suppliers to subs who do not send a notice of furnishing by certified mail have their lien capped at what is owed to the sub above them.", "lien_claim_deadline": "Generally serve the owner and file a sworn statement of lien within 90 days after last furnishing", "lien_enforce_deadline": "Generally start suit and file a notice of pending action within 6 months after last furnishing", "public_bond_statute": "S.C. Code §11-35-3030", "public_bond_threshold": "Payment bonds are required on state construction contracts; the governmental body may waive them for contracts of $50,000 or less", "public_bond_claim_notice": "Remote claimants (no direct contract with the bonded contractor) must give written notice to the contractor within 90 days of last furnishing; suit within 1 year of last furnishing", "verified_on": "2026-11-12" }, { "code": "SD", "state": "South Dakota", "page_url": "/states/south-dakota/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "South Dakota Secretary of State, UCC Division (Pierre)", "ucc_search_url": "https://sosenterprise.sd.gov/ucc/", "state_agency_prompt_pay_days": "By the contract date, or within 45 days after receipt and written acceptance of the goods or services when the contract sets no date", "state_agency_late_interest": "Proper invoices unpaid after 45 days accrue interest from the 30th day after receipt at the Category B rate of 10% a year (SDCL 54-3-16), or the contract rate", "state_agency_prompt_pay_statute": "SDCL 5-26-1 to 5-26-8", "private_construction_owner_to_contractor": null, "private_construction_contractor_to_sub": null, "private_construction_interest": null, "lien_preliminary_notice": "Only when a Notice of Project Commencement has been filed and posted: subcontractors and suppliers to subs must send a notice of furnishing to the named contractor (copy to the owner) by certified mail no later than 60 days after last furnishing (SDCL 44-9-53). The claimant must also mail a copy of the lien statement to the owner before filing.", "lien_claim_deadline": "Generally within 120 days after the claimant's last furnishing", "lien_enforce_deadline": "Generally within 6 years after the last item of the claim, but within 30 days if the owner or contractor serves a written demand to sue", "public_bond_statute": "SDCL 5-21-1 et seq.", "public_bond_threshold": "Public improvement contracts generally, with surety at least equal to the contract price; may be waived when the bid does not exceed the competitive bid limit in SDCL 5-18A-14", "public_bond_claim_notice": "No pre-suit notice deadline in the statute; a supplier's suit on the bond generally cannot start until 6 months after complete performance and must start within 1 year after that", "verified_on": "2026-11-12" }, { "code": "TN", "state": "Tennessee", "page_url": "/southeast/tennessee/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Tennessee Secretary of State, Division of Business and Charitable Organizations (UCC section)", "ucc_search_url": "https://tnbear.tn.gov/UCC/Ecommerce/UCCSearch.aspx", "state_agency_prompt_pay_days": "45 days after receipt of the invoice, unless the contract sets another date", "state_agency_late_interest": "1.5% per month starting the day after payment is due; interest unpaid after 60 days is added to principal", "state_agency_prompt_pay_statute": "Tenn. Code Ann. §12-4-701 to -707 (Prompt Pay Act of 1985)", "private_construction_owner_to_contractor": "30 days after a timely payment application (§66-34-202)", "private_construction_contractor_to_sub": "30 days after the sub's timely payment application (§66-34-302); retainage passed down within 10 days after the prime receives it", "private_construction_interest": "Contract rate, or 1.5% per month if none (§66-34-601)", "lien_preliminary_notice": "Prime contractors on residential jobs give a notice to owner before starting. Remote contractors (no direct contract with the owner) generally must serve a notice of nonpayment within 90 days after the last day of each month in which unpaid work or materials were furnished, separately for each month.", "lien_claim_deadline": "Generally within 90 days after the improvement is completed or abandoned; within 30 days if a notice of completion is recorded and served", "lien_enforce_deadline": "Remote contractors generally must sue within 90 days after recording the lien; parties in direct contract with the owner within 1 year after completion. An owner's written demand can shorten either to 60 days.", "public_bond_statute": "Tenn. Code Ann. §12-4-201 to -206", "public_bond_threshold": "Public contracts over $100,000 (bond of at least 25% of the contract price)", "public_bond_claim_notice": "Written notice within 90 days after completion of the public work, by certified mail or personal delivery to the contractor or the awarding official; suit within 6 months after completion or last furnishing", "verified_on": "2026-11-12" }, { "code": "TX", "state": "Texas", "page_url": "/states/texas/", "disclosure_status": "in_effect", "disclosure_law": "Commercial sales-based financing law", "disclosure_citation": "Tex. Fin. Code §398.001 et seq.", "disclosure_effective": "2025-09-01", "disclosure_threshold": "Disclosures apply to specific offers of less than $1 million (§398.051)", "disclosure_covers_factoring": false, "disclosure_apr_required": false, "provider_registration": "Providers and brokers of commercial sales-based financing must register with the Office of Consumer Credit Commissioner; existing businesses by December 31, 2026, renewed by January 31 each year", "ucc_filing_office": "Texas Secretary of State, UCC Section (filings submitted online through SOSDirect / SOSPortal)", "ucc_search_url": "https://webservices.sos.state.tx.us/termsandconditions/tac.html", "state_agency_prompt_pay_days": "Overdue on the 31st day after the later of delivery, completion of services or receipt of the invoice; 46 days for political subdivisions whose governing body meets monthly or less often", "state_agency_late_interest": "1% plus the prime rate published in the Wall Street Journal, set annually", "state_agency_prompt_pay_statute": "Tex. Gov't Code ch. 2251", "private_construction_owner_to_contractor": "35 days after the owner receives a written payment request", "private_construction_contractor_to_sub": "7 days after the contractor receives the owner's payment", "private_construction_interest": "1.5% per month starting the day after payment is due", "lien_preliminary_notice": "Subs and suppliers must send notice to the owner and original contractor for each unpaid month: by the 15th day of the 3rd month after the month of furnishing on commercial jobs, or the 2nd month on residential jobs", "lien_claim_deadline": "Commercial: lien affidavit by the 15th day of the 4th month after the claimant's last month of furnishing (3rd month on residential)", "lien_enforce_deadline": "Generally within 1 year after the last day the claimant could file its lien affidavit, extendable by written agreement but not beyond 2 years after filing", "public_bond_statute": "Tex. Gov't Code ch. 2253", "public_bond_threshold": "Contracts over $25,000 (over $50,000 for municipalities)", "public_bond_claim_notice": "First-tier claimants notify the prime and surety by the 15th day of the 3rd month after each month of unpaid work; second-tier claimants must also notify the prime by the 15th day of the 2nd month; suit no earlier than 61 days after notice and within 1 year after notice is mailed", "verified_on": "2026-11-12" }, { "code": "UT", "state": "Utah", "page_url": "/states/utah/", "disclosure_status": "in_effect", "disclosure_law": "Commercial Financing Registration and Disclosure Act", "disclosure_citation": "Utah Code §7-27-101 et seq.", "disclosure_effective": "2023-01-01", "disclosure_threshold": "Commercial financing transactions of $1,000,000 or less", "disclosure_covers_factoring": true, "disclosure_apr_required": false, "provider_registration": "Providers must register with the Utah Department of Financial Institutions through NMLS and renew annually (registrations expire December 31)", "ucc_filing_office": "Utah Department of Commerce, Division of Corporations and Commercial Code", "ucc_search_url": "https://ucc.utah.gov/", "state_agency_prompt_pay_days": "On the date set by contract, or within 60 days after a complete invoice if no date is set", "state_agency_late_interest": "IRS refund rate plus 2% to the prime; 15.5% per year to subs and suppliers not paid within 45 days after the prime receives agency payment", "state_agency_prompt_pay_statute": "Utah Code §15-6-1 et seq. (Prompt Payment Act)", "private_construction_owner_to_contractor": "Progress payments per contract; final payment and retention within 45 days after the later of the final payment request or certificate of occupancy", "private_construction_contractor_to_sub": "Progress payments within 30 days after the contractor is paid; retention within 10 days", "private_construction_interest": "1% per month on late payments; an added 2% per month for knowing, wrongful withholding of retention", "lien_preliminary_notice": "Required for claimants: file a preliminary notice in the State Construction Registry within 20 days after first furnishing (§38-1a-501); a late notice protects only work from 5 days before it was filed", "lien_claim_deadline": "Within 90 days after a notice of completion is filed, or within 180 days after final completion of the original contract if none is filed", "lien_enforce_deadline": "Suit within 180 days after the notice of lien is recorded, plus a lis pendens recorded with the county recorder", "public_bond_statute": "Utah Code §63G-6a-1103", "public_bond_threshold": "No dollar threshold: construction contracts awarded under the Procurement Code require a 100% payment bond, subject to waiver by rule", "public_bond_claim_notice": "No formal notice is required by the bond statute; a claimant unpaid 90 days after its last furnishing may sue, and suit is barred after 1 year from last furnishing", "verified_on": "2026-11-12" }, { "code": "VT", "state": "Vermont", "page_url": "/states/vermont/", "disclosure_status": "enacted_not_yet_effective", "disclosure_law": "Commercial financing licensing and disclosure law", "disclosure_citation": "8 V.S.A. §2247", "disclosure_effective": "2027-07-01", "disclosure_threshold": "Transactions under $1,000,000 (deals of $1MM or more that are not for personal use are excluded)", "disclosure_covers_factoring": true, "disclosure_apr_required": true, "provider_registration": "Providers must hold a Vermont lender license under the Licensed Lenders chapter (8 V.S.A. ch. 73); anyone soliciting or presenting offers for a third party needs a loan solicitation license", "ucc_filing_office": "Vermont Secretary of State, Business Services Division", "ucc_search_url": "https://bizfilings.vermont.gov/uccsearch", "state_agency_prompt_pay_days": "20 days after the end of the billing period or delivery of the invoice, whichever is later", "state_agency_late_interest": "12% per year (rate under 12 V.S.A. §2903), starting on the 21st day; an added 1% per month for wrongful withholding", "state_agency_prompt_pay_statute": "9 V.S.A. §4001 to §4009 (prompt pay for construction contracts; 'owner' includes the State, municipalities and school districts)", "private_construction_owner_to_contractor": "20 days after the end of the billing period or delivery of the invoice, whichever is later", "private_construction_contractor_to_sub": "7 days after receipt of each progress or final payment, or after the sub's invoice, whichever is later", "private_construction_interest": "12% per year; an added 1% per month on sums wrongfully withheld", "lien_preliminary_notice": "Subs and suppliers without a direct contract with the owner claim a lien by giving written notice to the owner, and the lien reaches only the contract balance unpaid when that notice is received", "lien_claim_deadline": "Lien notice filed with the town clerk within 180 days after payment for the last labor or materials became due", "lien_enforce_deadline": "Suit commenced and the property attached within 180 days after filing (or after payment becomes due, if later)", "public_bond_statute": "19 V.S.A. §10(9) (Agency of Transportation projects)", "public_bond_threshold": "Payment bond required on Agency of Transportation construction contracts; may be waived for contracts of $250,000 or less", "public_bond_claim_notice": "Sworn claim filed with the Secretary of Transportation within 90 days after the State's final acceptance of the project; petition in Superior Court within 1 year after filing the claim", "verified_on": "2026-11-12" }, { "code": "VA", "state": "Virginia", "page_url": "/states/virginia/", "disclosure_status": "in_effect", "disclosure_law": "Sales-based financing disclosure and registration law", "disclosure_citation": "Va. Code §6.2-2228 et seq.", "disclosure_effective": "2022-07-01", "disclosure_threshold": "Single sales-based financing transactions of $500,000 or less", "disclosure_covers_factoring": false, "disclosure_apr_required": false, "provider_registration": "Sales-based financing providers and brokers register with the State Corporation Commission ($1,000 initial fee, $500 annual fee due September 15)", "ucc_filing_office": "State Corporation Commission, Clerk's Office (UCC filings accepted online only through the Clerk's Information System)", "ucc_search_url": "https://cis.scc.virginia.gov/", "state_agency_prompt_pay_days": "State agencies: 30 days after receipt of a proper invoice or of the goods or services, whichever is later, unless the contract sets a date. Localities: 45 days if the contract is silent.", "state_agency_late_interest": "State agencies: the Wall Street Journal prime rate on amounts unpaid more than 7 days after the payment date; localities: up to 1% per month", "state_agency_prompt_pay_statute": "Va. Code §2.2-4347 to §2.2-4356", "private_construction_owner_to_contractor": "60 days after receipt of an invoice for satisfactorily completed work; written notice of any withholding within 45 days", "private_construction_contractor_to_sub": "The earlier of 60 days after the sub's invoice or 7 days after the contractor is paid for that work; withholding notice within 50 days", "private_construction_interest": "Interest penalties as under Va. Code §2.2-4355", "lien_preliminary_notice": "Not generally required; on 1 or 2 family residential jobs, notice to the mechanics lien agent named on the building permit within 30 days after first furnishing", "lien_claim_deadline": "Memorandum of lien within 90 days after the last day of the month of last furnishing, and no later than 90 days after the structure is completed or work ends; it may include only work from the last 150 days, plus retainage", "lien_enforce_deadline": "Suit within 6 months after recording or 60 days after completion or termination of the project, whichever is later", "public_bond_statute": "Va. Code §2.2-4337 and §2.2-4341", "public_bond_threshold": "Nontransportation construction contracts over $500,000; state-funded transportation projects over $350,000", "public_bond_claim_notice": "Claimants without a contract with the prime must give written notice to the contractor within 90 days after their last labor or materials, by registered or certified mail; suit within 1 year after last furnishing", "verified_on": "2026-11-12" }, { "code": "WA", "state": "Washington", "page_url": "/states/washington/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Washington State Department of Licensing, UCC section (Olympia)", "ucc_search_url": "https://fortress.wa.gov/dol/ucc/", "state_agency_prompt_pay_days": "30 days after receipt of a properly completed invoice or of the goods or services, whichever is later", "state_agency_late_interest": "1% per month (minimum $1 per month) on late payments", "state_agency_prompt_pay_statute": "RCW 39.76", "private_construction_owner_to_contractor": null, "private_construction_contractor_to_sub": null, "private_construction_interest": null, "lien_preliminary_notice": "Suppliers, equipment lessors and subs without a direct contract with the owner generally must give a notice of right to claim a lien; it covers only materials or equipment furnished from 60 days before the notice (10 days on new single-family homes). Contractors on most residential and small commercial jobs must give the model disclosure statement before starting.", "lien_claim_deadline": "Record the lien in the county where the property sits within 90 days after the claimant last furnished labor or materials, and send a copy to the owner within 14 days of recording", "lien_enforce_deadline": "Suit within 8 months after recording, with the owner served within 90 days of filing", "public_bond_statute": "RCW 39.08", "public_bond_threshold": "Bond required on public works contracts; on contracts of $150,000 or less the contractor may elect to have the agency retain 10% instead", "public_bond_claim_notice": "Suppliers to subs must notify the prime within 10 days after first delivery; claimants file written notice with the public body within 30 days after completion and acceptance of the work. A separate retainage claim under RCW 60.28 is also available.", "verified_on": "2026-11-12" }, { "code": "WV", "state": "West Virginia", "page_url": "/states/west-virginia/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "West Virginia Secretary of State, Business and Licensing Division (UCC Online Services)", "ucc_search_url": "https://apps.wv.gov/sos/ucc/", "state_agency_prompt_pay_days": "45 days after a legitimate uncontested invoice is received, for purchases made on or after July 1, 2025; the receiving agency must process the invoice within 10 business days", "state_agency_late_interest": "No interest for state agencies; a late agency must report the violation to the State Auditor, a vendor may report it too, and the Auditor publishes a monthly list of late agencies", "state_agency_prompt_pay_statute": "W. Va. Code §12-10-1 to §12-10-3 (Prompt Payment Act of 2025, HB 2152)", "private_construction_owner_to_contractor": null, "private_construction_contractor_to_sub": null, "private_construction_interest": null, "lien_preliminary_notice": "Not generally required; an optional notice to the owner under §38-2-20 is available", "lien_claim_deadline": "Generally within 100 days after the subcontract is completed or after the claimant last furnished materials (§38-2-9, §38-2-10), recorded with the county clerk; claimants without a contract with the owner must also notify the owner within the same 100 days", "lien_enforce_deadline": "Suit in circuit court within 6 months after the lien notice is filed (§38-2-34)", "public_bond_statute": "W. Va. Code §38-2-39", "public_bond_threshold": "No dollar threshold in the statute: a bond is required on any contract to build, improve or repair a public building or structure, in a sum at least equal to the reasonable cost of materials, equipment and labor", "public_bond_claim_notice": null, "verified_on": "2026-11-12" }, { "code": "WI", "state": "Wisconsin", "page_url": "/states/wisconsin/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Wisconsin Department of Financial Institutions (DFI), Division of Corporate and Consumer Services, UCC section", "ucc_search_url": "https://wims.dfi.wi.gov/homepage", "state_agency_prompt_pay_days": "30 days after receipt of a properly completed invoice, or after receipt and acceptance of the goods or services, whichever is later", "state_agency_late_interest": "Interest from the 31st day at the rate in Wis. Stat. §71.82(1)(a), which is 12% a year, compounded monthly", "state_agency_prompt_pay_statute": "Wis. Stat. §16.528 (state agencies); Wis. Stat. §66.0135 (local governments)", "private_construction_owner_to_contractor": null, "private_construction_contractor_to_sub": null, "private_construction_interest": null, "lien_preliminary_notice": "Subcontractors and suppliers must serve written notice on the owner within 60 days after first furnishing labor or materials (§779.02(2)(b)); prime contractors put the notice in the owner contract or serve it within 10 days of first furnishing", "lien_claim_deadline": "Within 6 months after the claimant last furnished labor or materials, and at least 30 days after serving a notice of intent to file a lien claim on the owner (§779.06)", "lien_enforce_deadline": "Suit within 2 years after the lien claim is filed (§779.06(1))", "public_bond_statute": "Wis. Stat. §779.14", "public_bond_threshold": "State contracts over $369,000 require a payment and performance bond ($148,000 to $369,000 unless a substitute assurance is allowed); local government contracts over $148,000 require one ($74,000 to $148,000 unless a substitute is allowed); figures as shown in the current statute", "public_bond_claim_notice": "Written notice to the prime contractor within 60 days after first furnishing labor or materials, unless the claimant is listed in the required subcontractor list or the contract is $5,000 or less; suit within 1 year after work under the contract is completed", "verified_on": "2026-11-12" }, { "code": "WY", "state": "Wyoming", "page_url": "/states/wyoming/", "disclosure_status": "none", "disclosure_law": null, "disclosure_citation": null, "disclosure_effective": null, "disclosure_threshold": null, "disclosure_covers_factoring": null, "disclosure_apr_required": null, "provider_registration": null, "ucc_filing_office": "Wyoming Secretary of State, Business Division (UCC and EFS filings)", "ucc_search_url": "https://ucc.wyo.gov/UCC/Default.aspx", "state_agency_prompt_pay_days": "45 days after receipt of a correct notice of the amount due, unless the contract says otherwise", "state_agency_late_interest": "1.5% a month on the unpaid balance from the 45th day until paid, unless there is a good-faith dispute", "state_agency_prompt_pay_statute": "Wyo. Stat. §16-6-601 and §16-6-602", "private_construction_owner_to_contractor": null, "private_construction_contractor_to_sub": null, "private_construction_interest": null, "lien_preliminary_notice": "Required. Subcontractors and suppliers must send notice to the record owner within 30 days after first furnishing, with a copy to the contractor they work for; prime contractors must send it before receiving any payment. Missing it bars the lien (§29-2-112)", "lien_claim_deadline": "Subcontractors and suppliers generally have 120 days (prime contractors 150 days) after the earlier of last furnishing or substantial completion (§29-2-106); a notice of intent must go to the record owner at least 20 days before filing (§29-2-107)", "lien_enforce_deadline": "Suit within 180 days after the lien statement is filed (§29-2-109)", "public_bond_statute": "Wyo. Stat. §16-6-112 to §16-6-121", "public_bond_threshold": "Public works contracts over $150,000 require a bond of at least 100% of the contract price; at $150,000 or less the public entity may accept another approved guarantee", "public_bond_claim_notice": "Subcontractors and suppliers must notify the general contractor of their right to bond protection within 60 days after first furnishing (§16-6-121); suit within 1 year after final completion of the public work (§16-6-115)", "verified_on": "2026-11-12" } ]