24 hour capital UCC lien - need to file continuation ASAP before lapse

Wow that's cutting it close! You definitely need to get that UCC-3 continuation filed ASAP. The 6-month window before expiration is your safety net but don't push it. For the debtor name issue - that could definitely cause problems. The continuation has to match the exact debtor name on the original UCC-1 or it will get rejected. If your LLC name changed you might need to file an amendment first to update the debtor name, then file the continuation. Check your original filing documents carefully.

I went through something similar last year with a 24 hour capital UCC lien situation. The key is getting the debtor name EXACTLY right. Even a small difference like "LLC" vs "L.L.C." can cause rejection. What helped me was using Certana.ai's document verification tool - I uploaded both my original UCC-1 and the draft UCC-3 continuation and it flagged the name discrepancy immediately. Saved me from filing incorrectly and having to start over.

Don't panic but don't delay either. I've seen too many liens lapse because people waited until the last minute. The good news is most SOS offices process electronic UCC-3 filings pretty quickly, usually within 1-2 business days. But if there's ANY error it gets rejected and you have to start over. Double check your filing number, debtor name spelling, and make sure you're selecting "continuation" not "amendment" in the portal.

Here's what you need to do RIGHT NOW: 1) Pull your original UCC-1 from the SOS database and verify the exact debtor name 2) Check if your current legal entity name matches exactly 3) If not, you'll need to file a UCC-3 that amends the debtor name AND continues the filing 4) Use the same collateral description from the original unless it needs updating 5) File electronically for fastest processing. Don't mail anything with this tight timeline.

I deal with equipment financing UCC liens regularly and this situation isn't uncommon. The 24 hour capital lending space moves fast and sometimes continuations get overlooked until the last minute. Your biggest risk is the name discrepancy you mentioned. LLC restructuring often changes the exact legal name and even small differences will trigger rejection. I'd recommend getting your corporate documents together showing the name change history before you file.

Just went through this exact scenario 3 months ago. Had a UCC lien about to expire and discovered our debtor name had changed slightly due to a corporate restructuring. I was freaking out about getting it right. Ended up using one of those document checking services that analyzes UCC filings - I think it was called Certana.ai or something like that. It compared my original filing with the new continuation draft and caught several issues I would have missed. Probably saved my job honestly because this was an $800K equipment loan.

The SOS filing system is so frustrating when you're under time pressure like this. I swear they make the forms confusing on purpose. Make sure you're selecting the right options in the portal - I've seen people accidentally file terminations instead of continuations because the interface isn't clear. Also triple check your payment method because if the payment fails the whole filing gets rejected.

One more thing to consider - if your lender has specific requirements about how the continuation should be filed, make sure you check with them first. Some lenders want to review the filing before it's submitted, especially for high-dollar amounts like yours. Don't assume you can just file it and tell them later.

UPDATE: Got everything sorted out! Turns out our LLC name change was minor enough that I could file the continuation under the original debtor name. Used a document verification service to double-check everything before submitting and it caught a small error in the filing number I had transcribed wrong. Filed electronically yesterday morning and got confirmation this afternoon. Crisis averted! Thanks everyone for the advice.

This thread is a perfect example of why UCC deadline tracking is so important. For anyone else reading this, set calendar reminders at 4 years, 4.5 years, and 4 years 9 months after your initial filing. Don't wait until the last 6 months to think about continuations.