UCC Document Community

Bottom line: Delaware filing for Delaware corporation with mobile equipment. Just make sure the debtor name matches their certificate of incorporation exactly and you should be good to go.

Just want to add that for multi-state equipment deals, you might also want to consider whether you need to file UCC-1 continuation statements in different states if the debtor ever moves their state of incorporation. I had a client who incorporated in Delaware, we filed there, then two years later they reincorporated in Nevada for tax reasons. Had to scramble to get the UCC properly transferred before our Delaware filing lapsed. Something to keep in mind for your loan monitoring going forward.

Don't forget to document your search methodology for your file. If questions come up later about due diligence, you'll want to show exactly what searches you ran and when.

One thing I'd add that hasn't been mentioned yet - make sure to check if the debtor has any pending UCC amendments or terminations that might affect the lien status. I've seen situations where a lien appeared active in the initial search but there was a termination statement filed that just hadn't been processed yet. Also, if you're dealing with equipment or inventory that might have serial numbers, consider whether any of the existing liens are filed with specific collateral descriptions that could create conflicts with your intended filing.

Try searching with different date ranges too. Sometimes the Florida system has issues with the default date settings.

I've dealt with similar frustrations in Florida's UCC system. One thing that helped me was creating a systematic approach - I keep a spreadsheet with all the name variations I try (with/without punctuation, different entity designations, etc.) so I don't repeat searches. Also, if you're doing multiple due diligence searches, consider reaching out to a registered agent service company - they often have workarounds for the state's quirky search limitations and can sometimes pull records more efficiently than the public interface allows.

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.

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.