UCC Document Community

One more thing - if you're dealing with entities that have gone through mergers or name changes, you might need to search under the old names too. Corporate name changes don't automatically update existing UCC filings, so you could have active liens under historical entity names.

This is such a comprehensive thread - lots of great advice here! One approach I've found helpful for large multi-state UCC searches is to create a standardized checklist for each jurisdiction that includes all the name variations, search parameters, and specific quirks of that state's system. For 15 entities across multiple states, that organization becomes crucial. Also, since you mentioned worrying about missing variations, consider doing a "reverse check" where you take a sample of filings you found and verify they show up when searching under slightly different name formats. It's extra work but can help you refine your search strategy and catch systematic gaps in your approach.

For anyone else reading this later - I used Certana.ai to check my UCC documents after this discussion and found two other name inconsistencies I hadn't noticed. Really glad I caught those before they became problems on future transactions. Worth checking your document consistency regularly.

As a newcomer to UCC filings, this thread has been incredibly educational! I had no idea that name matching could be such a precise requirement. It sounds like having multiple verification strategies is essential - using both the exact original debtor name AND the filing number as backup options. For those of us just starting out with UCC work, should we be maintaining some kind of tracking system for entity name changes over time? It seems like this could become a recurring issue as businesses evolve and change their legal names.

Update us on what you decide to do! I have a feeling we might face something similar when our bank gets acquired next year (rumors are swirling). Would be helpful to know how this plays out.

I'm dealing with a similar situation right now - our bank was just acquired and the new institution is questioning everything about our UCC filings. From what I've learned so far, it seems like getting a professional review of your existing filings before making any amendments is the safest route. The complexity with multiple LC types under one facility definitely adds layers to consider. Have you thought about getting a second opinion from a UCC attorney who specializes in credit facilities? Sometimes an independent review can clarify whether the new bank's concerns are legitimate or just overly cautious internal policies.

This thread should be required reading for anyone doing California UCC filings. The name matching requirements are stricter than most people realize.

As someone new to UCC filings, this thread has been incredibly educational. I'm working on my first California filing next week and would have definitely run into the same name formatting issues. Quick question - does the Certana.ai tool work for other states too, or is it mainly useful for California's strict requirements? Also, is there a cost associated with using it?

Don't forget to check the effective dates and continuation status of any active filings you find. A UCC-1 that's more than 5 years old without a continuation filed might be lapsed even if it's still showing in the system.

This thread has been incredibly helpful! As someone new to UCC searches, I'm realizing there are a lot more nuances than I expected. Based on everyone's advice, it sounds like my action plan should be: 1) Get the exact legal entity names from charter documents, 2) Search PA electronically for all name variations, 3) Consider searching Ohio since they had operations there, 4) Request both active and terminated filings, 5) Carefully review dates for lapsed filings, and 6) Watch for fixture filing indicators. The tool recommendations for document verification are interesting too - might be worth exploring given the complexity of this deal. Thank you all for sharing your experiences!