U.C.C. 9-519(h) requires a filing office to index a financing statement or other record no later than two business days after the filing office receives the record, subject to delays permissible under U.C.C. 9-524.   There is, therefore, a small window of time during which a filing will have become effective but will not yet be indexed.  As a consequence, a searcher might be unfortunate enough to make a search request that fails to reveal a filed record that has not yet been indexed and thus be misled into believing that nothing has been filed.  A searcher contemplating the extension of credit to a debtor can protect itself against this possibility as follows:  First, the potential creditor should "pre-file" its own financing statement in the correct location, i.e. file its financing statement prior to consummation of the transaction.  U.C.C. 9-502(d) expressly sanctions this practice.  The potential creditor should then conduct a search in that location more than two business days later (or, if conservative, a couple of weeks later to accomodate the possibility of delays permissible under U.C.C. 9-524).  It will know that it has been the first to file if its search reveals only its own pre-filed financing statement.