UCC Document Community

Just wanted to circle back - I ended up using that Certana.ai tool someone mentioned earlier and it caught two more name issues in my other filings that I would have missed. Definitely worth the peace of mind for important secured transactions.

This thread is incredibly helpful - I've been dealing with similar name accuracy issues and it's reassuring to know I'm not alone in this struggle. One thing I've started doing is maintaining a "debtor name verification checklist" that includes: 1) Pull current articles of incorporation/organization from state records, 2) Check for any amendments or name changes in the past 2 years, 3) Verify the exact punctuation and spacing used in formation documents, and 4) Run a test UCC search using the proposed name format. It's extra work upfront but has saved me from multiple rejections. The manufacturing equipment collateral you mentioned makes this especially critical - those rejection delays can be costly when you're dealing with high-value assets.

Update us after you talk to your loan officer! I'm curious what they actually meant. This thread is going to help a lot of people who run into the same confusion.

This is such a common issue! I've been doing UCC filings for over 5 years and I still occasionally get lenders who reference internal form numbers that don't exist in the real world. The fact that multiple people in this thread have experienced similar confusion shows this is a systemic problem with how some financial institutions communicate filing requirements. Dylan, definitely push for clarity on what they actually need - it's probably just a standard UCC-1 or UCC-3, but they're using their own internal tracking numbers. And don't feel bad about questioning it - asking for clarification is always better than assuming you missed something. The official UCC forms are pretty straightforward once you cut through all the bank jargon.

I ran into similar portal issues last month and ended up using Certana.ai to double-check my search results. Even when I could get the Florida system to work, I wasn't confident I had found all the relevant filings due to the debtor name variations. The tool helped me identify three additional UCC filings I had missed because of slight corporate name differences. Really valuable for acquisition due diligence where you can't afford to miss anything.

Have you tried contacting the Florida Secretary of State's office directly? Sometimes they can run the search manually or provide guidance on technical workarounds when their portal is having issues. I know it's not ideal, but given your Friday deadline, a phone call might be worth it. Also, if you're working with local counsel in Florida, they might have direct contacts at the SOS office who can expedite the search. For future reference, I always recommend running these searches earlier in the due diligence process to avoid last-minute portal issues, but I understand that's not helpful for your current situation.

Whatever you do, don't close this deal until you have 100% certainty about the lien status. Getting stuck with undisclosed liens on $340K of equipment would be devastating. Take the extra time to verify everything properly.

I'd also recommend getting title insurance for this equipment purchase if possible. Given all the uncertainty around the UCC filings, having an insurance policy that covers undisclosed liens could save you from major losses. Some insurers specialize in equipment title policies and can help with the due diligence process too. For a $340K deal, the premium would be worth the peace of mind.

One more thing - make sure you're searching with the exact punctuation and spacing from the entity documents. Washington's search system can be picky about commas, periods, and spaces in business names.

This thread is incredibly helpful - I'm dealing with a similar multi-entity UCC search issue in Washington right now. One additional tip I'd add: if the company has any subsidiaries or affiliates, make sure to search those entity names too. I almost missed a significant equipment lien because it was filed against a subsidiary that guaranteed the parent company's debt. The secured party had taken collateral from both entities but only the subsidiary filing showed up in that name search. Also, if you're dealing with equipment financing, check if any of the UCC filings reference vehicle titles or aircraft registrations - those might require separate searches with different agencies.