UCC Document Community

Bottom line - 5 years from original filing date, 6-month window to file continuation, $25 fee, make sure names match exactly. Georgia doesn't have any weird quirks compared to other states, just the usual UCC-3 continuation process. Set reminders early and don't procrastinate!

One additional tip - if you're managing multiple UCC filings like Vincent mentioned, consider setting up a tracking system now rather than scrambling later. I use a simple spreadsheet with columns for filing number, original filing date, debtor name, continuation window start date, continuation due date, and status. Update it whenever you file a continuation with the new 5-year cycle. Makes it much easier to stay on top of everything and avoid any nasty surprises when your lender comes asking about compliance.

Final thought - don't stress too much about getting it perfect. As long as you're reasonably specific and consistent with your loan docs, you should be fine. The courts generally interpret UCC filings pretty liberally as long as they give adequate notice.

Having filed dozens of equipment UCC-1s, I'd recommend focusing on three key elements: (1) Use broad category language like "all machinery and equipment used in manufacturing operations" rather than getting bogged down in serial numbers, (2) Include the specific facility address where the equipment is located, and (3) Add "whether now owned or hereafter acquired" to cover future equipment purchases. The magic formula I use is: "All machinery, equipment, and fixtures used in Debtor's manufacturing operations located at [specific address], including but not limited to CNC machinery, welding equipment, and related manufacturing tools, whether now owned or hereafter acquired by Debtor." This gives you comprehensive coverage without overcomplicating things. Most importantly, make sure this language mirrors what's in your security agreement - consistency between documents is what protects you legally.

Just file it with the exact debtor name from your original UCC-1 and move on. You're overthinking this. Florida SOS processes thousands of these terminations and the rule is simple - match the original filing exactly.

Thanks everyone for the clear guidance! This has been really helpful. I was definitely overthinking it - I'll use the exact debtor name from our original 2019 UCC-1 filing ("ABC Construction Services LLC" without the comma) on the UCC-3 termination form. I've pulled up our original filing confirmation to double-check both the debtor name and filing number before submitting. Really appreciate the community sharing their experiences with Florida's strict matching requirements - it's saved me from what could have been a costly rejection and potential compliance headache with our loan docs.

One more thing to consider - some states have specific requirements for MCA UCC filings, especially around the collateral description. Make sure you're compliant with your filing state's rules about describing future receivables.

This thread is really helpful - dealing with similar issues regularly. One thing I'd add is to always get a certified copy of the Articles of Incorporation directly from the Secretary of State before filing, especially for MCA deals. I've had situations where clients provided outdated formation documents that had the wrong entity name format, and it cost us a rejection and valuable time. The $10-20 for a certified copy is worth avoiding the headache, particularly when you're dealing with tight MCA funding deadlines.

One more thought - make sure you have good documentation of the filing timestamp and any communications with the state office about processing delays. Bankruptcy courts like to see a clear timeline of events. Your filing receipt should show the exact time and date of submission, which establishes your 9-308(e) perfection moment.

Just wanted to follow up on this thread since I've handled several 9-308(e) perfection timing disputes. The consensus here is absolutely correct - your Tuesday filing date controls for perfection purposes, not when the state office processed it. I've seen bankruptcy trustees make this exact argument dozens of times and they virtually never succeed unless there were actual substantive errors in the original filing. The two-day processing delay is irrelevant under 9-308(e). Your $850K equipment financing should be secure as long as your UCC-1 was complete and accurate when submitted. Courts consistently interpret "when all applicable requirements are satisfied" to mean the moment of proper filing, not administrative processing. Keep your filing receipt and timestamp - that's your proof of perfection date.