What is the Lien Navigator?

The STS Lien Navigator is the credit professional’s authoritative guide to notice, lien, payment bond and suit time requirements for all 50 states and Canada. Credit professionals can rely on the Navigator to determine when and how action needs to be taken to protect lien rights across the 50 states, DC and Canada. The real-time Navigator ensures that you’ll always have current information. Specific questions are also answered for subscribers through the Navigator Answer Line. The Navigator is a web-based service, accessed through our website and available from any computer with Internet access.

Introducing the Lien Navigator




What Does the Lien Navigator Include?



Quick Lists

A quick reference to direct to lien states, immediate action states, lien right limits, full price and unpaid balance lien states, etc.

Speed Bumps

Looking beyond time frames, Speed Bumps examine statute nuances and are designed to help you make a better credit decision.

Bond Bits

Bond Bits highlight updated and current state-by-state bond thresholds and minimums.

Waiver Sections

State specific waiver sections provide detail for contractual waiver consideration and pay if/when clause validity.


100 construction credit terms you need to know are defined along with waiver, job information and joint check templates.

Statute Links

Each state’s statute is linked so that you can easily and conveniently review actual wording included by statute.

Articles of Interest

Seamless links to NACM’s Business Credit magazine articles focusing on construction credit topics.

Subscription Services

The STS Lien Navigator

Cost: $500 per year.