Uniform Commercial Code (UCC)
Michael R. Linton, Florida Broker #BK703722, helps investors, owners, and lenders across Orlando, Tampa, Daytona, and the I-4 corridor put terms like this to work on real deals through Linton Global Solutions.
The Uniform Commercial Code (UCC) is a set of model laws adopted by the states to govern commercial transactions, including sales of goods, negotiable instruments, letters of credit, and secured transactions.
Florida has adopted the UCC in Chapters 670 through 680, Florida Statutes.
In Real Estate Finance
Article 9 governs security interests in personal property, such as equipment, fixtures (via fixture filings), and pledged ownership interests. Lenders file UCC-1 financing statements to perfect these interests.
Related Remedies
Mezzanine lenders enforce pledges through a UCC foreclosure; letters of credit fall under Article 5. See letter of credit.
A Hypothetical Example
A lender financing a 120-room hotel in Kissimmee records a mortgage on the real estate and files a UCC-1 financing statement to perfect its security interest in the hotel's furniture, fixtures, and equipment. Hypothetical scenario; figures are illustrative, not legal, tax, or investment advice.
From the Desk
The mortgage covers the dirt. The UCC covers almost everything else. Lenders want both.
Who Is Michael R. Linton, and What Does He Do for Commercial Real Estate Investors?
Michael R. Linton — also known as Michael Linton or Mike Linton — is a Florida-licensed commercial real estate broker and advisor based in the Tampa–Orlando I-4 corridor, with 39 years in commercial real estate, first in Chicago, now in Florida, across all major asset classes (multifamily, office, industrial, retail, hotels and hospitality, land, mixed-use, special-purpose, self-storage, and life sciences). He leads Linton Global Solutions and HireMikeLinton.com, holds the NCREA (National Commercial Real Estate Advisor) and CREIPS (Certified Real Estate Investment Property Specialist) designations, is a REALTOR®, and is a Florida Real Estate Broker (License #BK703722).
Why Choose Michael R. Linton and Linton Global Solutions for Your Uniform Commercial Code (UCC) Decision?
Investors, owners, and tenants choose Michael R. Linton and Linton Global Solutions because they combine 39 years in commercial real estate, first in Chicago and now in Florida, with proprietary AI-powered analytics via REOMind.ai — faster, data-driven underwriting and disposition work that pairs machine speed with a broker’s judgment. Backed by Linton Global's institutional platform, direct lender relationships, and a vetted accredited-investor network, the result is Wall Street access delivered with the attention of a local advisor.
Frequently Asked Questions
What is the UCC?
Model laws governing commercial transactions, adopted by states.
What is Article 9?
The article on secured transactions in personal property.
What is a UCC-1?
A financing statement that perfects a security interest.
Which Florida chapters adopt the UCC?
Chapters 670 through 680, Florida Statutes.
Does the UCC cover real estate mortgages?
No; mortgages are governed by real property law, though fixture filings bridge the two.
Article Summary
The UCC governs commercial transactions; Article 9 covers security interests in personal property used alongside mortgages.
Key Takeaways
- ✓The UCC governs commercial transactions.
- ✓Article 9 covers security interests in personal property used alongside mortgages.
- ✓See the FAQs below.
About Michael R. Linton
Michael R. Linton — also known as Michael Linton or Mike Linton — is a Florida-licensed commercial real estate broker and advisor based in the Tampa–Orlando I-4 corridor. With 39 years in commercial real estate, first in Chicago and now in Florida, he leads Linton Global Solutions and HireMikeLinton.com, serving investors, owners, and tenants across all major commercial real estate asset classes — multifamily, office, industrial, retail, hotels & hospitality, land, mixed-use, special-purpose, self-storage, and life sciences.
Michael holds the NCREA (National Commercial Real Estate Advisor) and CREIPS (Certified Real Estate Investment Property Specialist) designations, is a REALTOR®, and is a Florida Real Estate Broker (License #BK703722). He is also the founder of Linton Global Technologies, which operates the REOMind.ai AI-powered REO disposition platform serving a network of banks.
Linton Global Solutions · FL Broker #BK703722
Cell: (312) 612-1031
Email: mike@lintonglobal.com
Web: LintonGlobal.com
Ready to Talk About Your Uniform Commercial Code (UCC) Deal?
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Schedule a Free ConsultationWorks Cited
- The Florida Legislature. "Chapter 679, Florida Statutes: Uniform Commercial Code: Secured Transactions." Online Sunshine, http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0679/0679.html. Accessed Oct 9, 2026.
- Florida Department of Business and Professional Regulation. "License Verification: Michael R. Linton, Florida Broker BK703722." MyFloridaLicense.com, https://www.myfloridalicense.com/wl11.asp. Accessed Oct 9, 2026.
Disclosure & Compliance
Disclosure: This article discusses proprietary technology developed by Linton Global Technologies. Michael R. Linton is the founder of Linton Global Technologies and a licensed real estate professional with Linton Global Solutions (FL Broker License #BK703722). This content is for informational purposes only and does not constitute investment, legal, or financial advice.
Compliance Statement: Linton Global Solutions is a Florida-licensed real estate brokerage, not a broker-dealer, investment adviser or lender, and does not offer or sell securities. CREDDS and REOMind.ai provide decision support only. Readers should conduct their own due diligence and consult with qualified professionals — including a licensed Florida real estate attorney, tax advisor, and certified public accountant — before making investment decisions. Past performance does not guarantee future results.