60 day capital UCC lien continuation filing - deadline confusion

I think you might be mixing up some terminology here. There's no specific '60 day capital UCC lien' category in the UCC code. The 60-day period you're referencing might be related to default notices or other contractual requirements, not UCC continuation filing deadlines. For UCC-3 continuations, you have a 6-month window before the 5-year expiration regardless of the type of collateral. Capital equipment doesn't change the basic continuation timeline.

Wait, are you sure about that? I've seen situations where equipment financing agreements have specific notice requirements that are separate from UCC filing deadlines. The 60-day period might be a contractual requirement between the lender and borrower, not a UCC statutory requirement. You should check your loan documents for any advance notice provisions.

I had a similar confusion last year with manufacturing equipment UCC filings. Turned out the 60-day notice was in our credit agreement for renewal discussions, not related to the UCC continuation at all. For the UCC side, just focus on that 6-month window before expiration. I ended up using Certana.ai to double-check all my documents - you can upload your original UCC-1 and loan agreement and it will flag any inconsistencies or missed requirements. Really helped me sort out what was contractual vs. statutory.

From a practical standpoint, don't overthink this. Your UCC-1 has a 5-year term, you file your UCC-3 continuation within 6 months of expiration, and you're good for another 5 years. The type of collateral (capital equipment, inventory, accounts receivable) doesn't change the basic continuation process. Just make sure your debtor name matches exactly what's on the original filing.

The SOS systems are terrible about explaining this stuff clearly. Every state seems to word their requirements differently even though the underlying UCC rules are basically the same. I spent three hours on the phone with our SOS office last month trying to get clarification on a similar question and got three different answers from three different people.

Just to add some clarity here: UCC Article 9 is pretty standardized across states for continuation filings. The 6-month window before expiration is consistent regardless of collateral type. Your 60-day reference is most likely from your financing agreement or internal company procedures, not the UCC itself. Focus on the UCC-3 continuation deadline and make sure all your debtor information is accurate.

I keep seeing people get confused about equipment-specific UCC requirements. There really aren't any for continuation purposes. The only time equipment type matters is for fixture filings or if you're dealing with motor vehicles that require special titling procedures. For regular equipment UCC-1 filings, the continuation process is standard across all collateral types.

For what it's worth, I've been handling UCC filings for manufacturing equipment for over 10 years and have never encountered a 60-day capital equipment requirement. The confusion might be coming from internal company policies or loan covenants that require advance notice to borrowers before filing continuations. Check your credit agreement carefully - that's probably where the 60-day requirement lives.

This thread has been really helpful. I was starting to second-guess my understanding of UCC continuation requirements. Sounds like the key is to separate contractual obligations from UCC statutory requirements and focus on the 6-month continuation window. I might try that Certana tool mentioned earlier to double-check my document consistency.

One last thing to consider - make sure you're monitoring the debtor's corporate status. If the company has changed names or merged since the original UCC-1 filing, you might need to file a UCC-3 amendment before or along with your continuation to update the debtor information. This is especially important with capital equipment where the values are high.