UCC Document Community

Update us when you get it figured out! I'm curious which format ends up working since I deal with Texas UCC filings regularly and this could help with future situations.

Giovanni, I've been through this exact headache with Texas UCC filings multiple times. The comma issue is definitely the most common culprit, but here's another tip that might save you time: Texas SOS sometimes has lag between their entity database and their UCC filing system. If the LLC was formed recently (within the last 60 days), the UCC system might not have picked up the name format yet. You can try calling their UCC division directly at 512-463-5555 and they'll often do a manual name verification over the phone. Also, make sure you're not accidentally including any extra spaces at the end of the name field - that's caught me before too.

One more thought - if you're still having trouble after getting the certified docs, consider having your borrower file a name reservation or assumed name filing to clean up any inconsistencies in the state records. Sometimes that's the only way to get everything aligned.

Romeo, I feel your pain with Idaho's UCC system! One thing that's helped me avoid rejections is double-checking the entity's status with the Secretary of State before filing. Sometimes companies change their registered names during amendments or mergers and the old name becomes invalid. Also, if you're really pressed for time, you might consider filing a UCC-1 with the name as it appears in their most recent good standing certificate - that's usually the safest bet for getting through Idaho's system on the first try.

Just went through this same frustration last month with a California equipment purchase. Ended up finding liens that weren't showing in the basic search by checking the seller's credit report and asking their bank directly about existing security interests. Sometimes the indirect approach works better than relying on the SOS portal.

Another approach that's helped me with tricky California UCC searches is to contact the secured parties directly if you can identify them from partial search results. Even if the SOS portal isn't showing complete records, lenders are usually willing to confirm lien status and provide UCC-3 termination statements if the debt has been satisfied. For a $180k equipment deal, it's worth the extra phone calls to make sure you're not inheriting someone else's security interests.

Delaware's UCC system is definitely not the most user-friendly, but it's workable once you know its quirks. The key is being systematic about trying different name variations and not trusting any single search result as comprehensive.

For equipment deals like this, I always recommend doing a comprehensive search strategy. Start with the exact legal name from their certificate of formation, then systematically try variations: with/without punctuation, abbreviated entity types (LLC vs L.L.C.), and common misspellings. Don't forget to search for any predecessor entities if they've gone through mergers or name changes. The Delaware system requires patience, but missing a UCC filing on a $180K deal isn't worth the risk. Also consider ordering official UCC search certificates from Delaware if you need defensible documentation for your transaction.

Bottom line with Texas UCC searches - don't trust the borrower's word about how many liens they have. Always do your own comprehensive search and verify the status of every filing that comes up. The database may be clunky but the information is usually accurate once you know how to read it.

Thanks everyone for the detailed responses - this is incredibly helpful! I'm going to start by re-running the search with multiple name variations and paying closer attention to the status codes and filing dates. The tip about calling the Texas SOS directly is great too. I think I was getting overwhelmed by all the results without understanding how to properly filter them. Will also look into that Certana.ai tool that several people mentioned for cross-verification. Really appreciate this community sharing their hard-earned experience!