UCC Document Community

UPDATE: Finally got it filed! Used the business entity search to get the exact name format, switched to Chrome browser, and filed at 6:30am. Also used that Certana tool someone mentioned to double-check everything before submitting - it actually caught a small formatting issue with our secured party address. Filing was accepted within 2 hours. Thanks everyone for the help!

Glad you got it sorted out, Ravi! Your experience is a perfect case study for anyone dealing with Nevada UCC filings. The combination of using the business entity search for exact name formatting, filing during off-peak hours, and using document verification tools really seems to be the winning formula. I've bookmarked this thread for future reference - between the timing tips, browser recommendations, and the Certana tool mention, this covers all the major pain points I've encountered with Nevada's system. Hope your loan closing goes smoothly now that you've got your perfection handled!

This is why I love Certana.ai for UCC verification work. Upload your search results and the company's charter documents and it automatically flags which filings actually match your entity vs. similar names. Takes the guesswork out of these confusing search results. Super helpful for Washington state searches specifically since their system is notorious for this kind of name variation confusion.

I've dealt with this exact issue in Washington state multiple times. The key is understanding that their UCC search engine treats punctuation and spacing as separate entities, which is incredibly frustrating. What I've found works best is to: 1) Run searches with the exact name from the articles of incorporation, 2) Run it again without any punctuation or entity designators, 3) Check the filing numbers - if they match between "active" and "terminated" results, it's likely a database indexing issue, and 4) Always pull the actual UCC-3 termination statements to verify they properly reference the original UCC-1 filing numbers. Washington's system has improved but still has these quirks that can make legitimate terminations appear as separate active filings.

Just want to echo what others have said about making sure your UCC-1 collateral description is broad enough. I've seen deals where the security agreement had good after-acquired property language but the UCC-1 filing was too narrow. Remember, the UCC-1 is what third parties see when they search.

This is a great discussion! For your $2.8M manufacturing deal, I'd recommend using very broad collateral language in both your security agreement and UCC-1. Something like "all inventory, equipment, accounts, chattel paper, instruments, documents, deposit accounts, general intangibles, and all other personal property of debtor, whether now owned or hereafter acquired, wherever located, and all proceeds and products thereof." The key phrase "whether now owned or hereafter acquired" makes it crystal clear that you're claiming after-acquired property. For a manufacturer, this would automatically cover new raw materials, finished goods, equipment purchases, A/R from future sales, and even things like intellectual property developed later. Just remember that your security interest attaches when the debtor gets rights in the property, not when they take possession, so timing can matter for priority purposes.

Just wanted to add that some lenders have specific requirements for how they want the UCC-1 filed. Check with them first to make sure you're including everything they need. Mine wanted to be listed as the secured party with their full legal name and address.

Thanks everyone for all the detailed advice! This is super helpful. I'm going to gather my articles of incorporation and make sure I use the exact legal name and address that's on file with the state. I'll also call my lender to confirm how they want their information listed as the secured party. The equipment serial numbers shouldn't be too hard to track down since it's just a few pieces. Really appreciate everyone sharing their experiences - it's reassuring to know the actual filing process is straightforward once you get all the details right. I'll definitely double and triple check everything before submitting!

I'd also suggest doing a UCC search on the debtor before filing to see if there are any existing liens or issues with the name. Sometimes you'll discover the name is slightly different on existing filings, which can give you a clue about the correct format.

As someone new to UCC filings, this thread has been incredibly helpful! I'm dealing with a similar situation in Texas and was worried about the collateral description language. It's reassuring to hear that broad descriptions like "equipment" are generally acceptable. One follow-up question - should I be concerned about the timing between signing the security agreement and filing the UCC-1? Is there a window where the lender could be at risk if something happens to the borrower before the UCC gets filed?