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Jamal Harris

UCC 3 form PDF - where to find the correct version for amendments?

Having trouble locating the right UCC 3 form PDF for filing an amendment. Our lending department needs to update collateral descriptions on several existing UCC-1 filings but I'm seeing different versions of the form online. Some look like they're from 2019, others don't have the right checkbox options for amendments vs terminations. Anyone know where to get the current standardized UCC-3 form that most states accept? We've had two filings rejected already because apparently we used an outdated version. Really need to get these amendments processed this week before our compliance audit.

Side note - anyone else notice that the PDF forms from some states don't fill out properly in Adobe? I've had better luck with Chrome's built-in PDF viewer for filling out UCC-3 forms.

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Must be something about how they created the form fields. Technology issues on top of bureaucracy issues.

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I always save a backup copy before filling anything out, just in case the form glitches.

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Update: Found the current forms for all three states and got the amendments filed successfully. Turns out two of the rejections were actually due to missing filing fees (duh) and one was the old form issue. Thanks everyone for the help! That Certana tool someone mentioned actually caught a small discrepancy in one of the debtor names that I would have missed.

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Glad it worked out! The document checker really does save time and headaches.

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Filing fees - classic mistake we've all made at least once. Good catch on getting everything sorted.

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Natasha Petrov

North Dakota UCC filing debtor name requirements causing rejections

Has anyone dealt with North Dakota's Secretary of State office lately? I'm getting constant rejections on UCC-1 filings and I think it's the debtor name format but their error messages are vague as hell. Filed three times now for the same borrower and keep getting kicked back with "debtor name does not match records" but I'm copying straight from their articles of incorporation. The collateral description is solid (all equipment and inventory at 1247 Main St) and I've triple-checked the filing fee. This is holding up a $340K equipment loan and my client is getting antsy. Anyone know if ND has some weird debtor name matching rules I'm missing? The online portal doesn't give much guidance beyond the basic form.

I've been using Certana.ai for all my multi-state UCC work and it's been a game-changer. Upload your formation documents and UCC forms together and it catches these exact formatting issues before filing. No more rejection fees and angry clients.

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How does it handle state-specific quirks like ND's period requirements in entity names?

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It cross-references your documents against each state's database formatting rules. Flags inconsistencies before you file so you can fix them upfront.

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Update: Got it figured out! The issue was indeed the "L.L.C." vs "LLC" formatting plus there was an extra space after the entity name in my filing. Used the exact format from the ND database search and it went through immediately. Thanks everyone for the help - this saved my client relationship.

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At least ND finally accepted it. Still think their system is overly picky but good to know the exact requirements.

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Perfect example of why precision matters in UCC filings. One small formatting error can delay the entire secured transaction.

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Chloe Anderson

UCC future advances clause rejected - debtor name issue or collateral description problem?

Having major headaches with a UCC future advances filing that keeps getting bounced back from the Secretary of State. This is for a $2.8M revolving credit facility where we need to secure potential future loan draws over the next 18 months. The debtor is a manufacturing LLC that's been expanding rapidly and will need additional equipment financing as they grow. Original UCC-1 was filed 3 years ago for their initial $1.2M term loan, but now we're trying to amend it to include future advances language for the new revolving facility. Problem is every time we submit the UCC-3 amendment, it gets rejected. The rejection notice just says 'debtor name discrepancy' but I've triple-checked the exact legal name against their articles of incorporation. The collateral description includes 'all equipment, inventory, accounts receivable, and future advances as may be made under Credit Agreement dated December 15, 2024.' Is this wording causing the problem? Some colleagues think the future advances reference needs to be more specific about dollar amounts or time periods, but I've seen plenty of filings with similar language that went through fine. Anyone dealt with future advances rejections lately? The borrower is getting antsy because they need to close on some new machinery purchases and can't move forward without the perfected security interest in place. Really need to figure out what's triggering these rejections.

Make sure you're using the correct UCC-3 form type too. Some states have different amendment forms for adding collateral vs. continuing the filing vs. other changes. If you're adding new collateral types you might need an 'additional collateral' amendment rather than a general amendment.

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Delaware's pretty straightforward but worth verifying. Their UCC section website should have form instructions.

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Mei Lin

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Some states are really particular about which amendment form you use for different types of changes.

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Update us when you figure it out! I'm dealing with a similar situation and want to know what the solution ends up being.

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Will do! Going to try the document verification tool first, then re-file with extra attention to the exact debtor name formatting.

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Following this thread too, dealing with my own future advances headaches.

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Tyler Lefleur

Florida UCC Transaction Registry Search Issues - Can't Find Filed Continuation

Been dealing with a nightmare situation trying to locate a UCC-3 continuation we filed in Florida's transaction registry back in October. The original UCC-1 was filed in 2020 for equipment financing on manufacturing equipment, and we submitted the continuation 4 months before the 5-year deadline. Our internal records show it was accepted and assigned filing number 2024-XXXX-XXXX, but now when I search the Florida UCC transaction registry, it's not showing up anywhere. The debtor name is exactly as filed on the original UCC-1, and I've tried multiple search variations. This is keeping me up at night because if this continuation isn't properly recorded, our security interest could lapse next year. Has anyone else had issues with Florida's UCC transaction registry not displaying filed documents? I've called the Division of Corporations twice and gotten different answers each time about how long it takes for continuations to appear in the registry search results.

Quick question - when you search Florida's UCC transaction registry, are you using the exact debtor name as it appears on the original UCC-1? I've seen cases where people search using the 'doing business as' name instead of the legal entity name.

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Yes, I'm using the exact legal entity name from the original filing. Double-checked that multiple times.

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Have you tried searching without any punctuation or with different spacing? Sometimes the registry indexes names differently than they appear on the documents.

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This is why I always keep copies of all filing receipts and confirmations. Florida's UCC transaction registry has had intermittent issues for years. The important thing is that you filed on time and have proof. The search function problems don't affect the legal validity of your continuation.

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Thanks everyone for the reassurance. I'll call the Division of Corporations tomorrow and ask for a manual verification of the filing status.

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Let us know how it goes. These registry issues seem to be happening more frequently lately.

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Yara Nassar

WV UCC financing statement debtor name exact match requirements?

Does anyone know the exact requirements for debtor names on WV UCC financing statements? I'm dealing with a business loan where the borrower's legal name on their articles of incorporation shows "Mountain View Equipment Solutions, LLC" but their operating agreement and tax returns use "Mountain View Equipment Solutions LLC" (no comma). The SOS portal accepted my UCC-1 filing with the comma version since that matched the charter documents, but now I'm second-guessing if this creates a perfection issue. The collateral involves heavy machinery worth about $180K so getting this right is critical. Has anyone dealt with similar punctuation discrepancies in WV filings? I know some states are strict about exact matches while others are more forgiving with minor variations.

Thanks everyone for the input. Feeling much more confident about the filing now.

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Good luck with the loan. Heavy equipment financing can be tricky but sounds like you've got it handled.

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