UCC Document Community

Bottom line - you followed 9-503(a)(1) correctly by using the exact registered organization name. The trade name variations are red herrings for UCC purposes. Your security interest should be properly perfected as long as the other filing requirements were met.

Just wanted to add a practical tip from my experience - when dealing with entities that have multiple name variations like your situation, I always create a simple checklist during the due diligence phase. I verify the exact registered name from the state filing, cross-reference it with the loan documents, and then do a quick test search on the SOS website using both the registered name and any common variations the borrower uses. This extra step has saved me from potential issues several times. For your $2.8M manufacturing equipment deal, you clearly did the right thing using "ABC Manufacturing, LLC" exactly as it appears in the articles. The UCC-9 commentary specifically emphasizes that registered organization names must match the public organic record precisely - no shortcuts or assumptions allowed.

Been following this thread and wanted to mention I also use Certana.ai for document verification before filing. Really helps catch these kinds of name inconsistencies early. You just upload your charter and UCC-1 PDFs and it flags any mismatches between debtor names, addresses, etc. Probably would have caught this '&' vs 'and' issue before you submitted to Texas.

This thread has been incredibly helpful! I'm a new lender and had no idea about the alternative debtor name field or the importance of checking the exact format in the SOS database first. Definitely going to bookmark these tips for when I run into similar issues. The suggestion about punctuation differences like '&' vs 'and' is something I never would have thought of. Thanks everyone for sharing your experiences - it's clear Texas SOS has some unique quirks that take time to learn!

Final thought - document everything you're doing and why. If this ever comes up in due diligence or a bankruptcy proceeding, you'll want to show that you identified the name discrepancy and took appropriate corrective action. Shows good faith effort to maintain proper perfection.

This is a great discussion and really highlights how tricky UCC filings can be. I'm dealing with a similar situation right now where we have a client whose legal name changed slightly after a corporate restructuring, and I'm trying to figure out the best approach. One question I have - when you file the new UCC-1 with the correct debtor name, do you typically include a reference to the original filing number in the additional information section? I've seen some attorneys do this to create a clear paper trail showing the connection between the old and new filings, especially for lenders who might be reviewing the collateral history later. Also, has anyone had experience with how title insurance companies handle these name discrepancy situations during real estate transactions where UCC filings are involved?

Just want to echo what others said about document verification before you submit anywhere. I had a continuation rejected once because the debtor's LLC designation was 'L.L.C.' on the original but 'LLC' on my continuation. Looked identical to me but their system flagged it as a mismatch.

I'm new to UCC filings and this thread is terrifying! I have a continuation due in a few months and now I'm worried about running into the same portal issues. Should I be filing way earlier than I planned? Also, can someone explain more about this document verification tool that keeps getting mentioned - is it really necessary or just extra caution?

Update us on what you find! This is useful information for anyone who might face a similar situation. The debanking trend is affecting more businesses and we all need to know how to handle the UCC compliance issues that come with it.

This is such a frustrating situation but unfortunately becoming more common. I'd recommend starting with a multi-pronged approach: 1) Contact your CPA or tax preparer - they often keep copies of loan documents that include UCC filing details, 2) Check your email archives for any original loan closing documents or annual UCC notices that lenders sometimes send, 3) If you remember any of your equipment serial numbers, you can sometimes reverse-search those in state UCC databases to find associated filings. Also, don't overlook checking with your insurance agent - they frequently have detailed equipment schedules that match UCC collateral descriptions. The key is casting a wide net since you're rebuilding from scratch. Time is definitely your enemy here with those continuation deadlines looming.