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One more tip - include a cover letter with your contact info when you mail it in. Sometimes if there are minor issues they'll call instead of just rejecting the whole filing. Has saved me a few times.
Chloe Davis
•Great suggestion! I always do that but good reminder for others who might be reading this.
Yes! The Texas SOS staff are actually pretty helpful if you give them a way to reach you.
I tried using one of those document checking services mentioned earlier and it actually caught an error in my collateral description that would have caused problems. It cross-referenced my UCC-1 with the security agreement and found inconsistencies I missed. Definitely worth using if you're doing paper filings where you can't make quick corrections.
Which service did you use? I'm always looking for better ways to double-check my work.
It was Certana.ai. You just upload your documents and it does an automated comparison. Found three different issues in my filing package.
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Kaiya Rivera
I do a lot of Illinois UCC work and honestly their search function has been glitchy for months. Sometimes I have to try different search terms or even search from different browsers to get consistent results. Very frustrating when you're trying to do due diligence.
Kaiya Rivera
•Nah, if you got a confirmation number and everything looked right on your filing, it's probably just their system being difficult. The filing is most likely fine.
Hannah White
•Illinois really needs to fix their search portal. It's causing unnecessary stress for everyone who has to use it.
Update us when you figure it out! I'm dealing with a similar Illinois search issue and curious what ends up working for you.
Nick Kravitz
•Will do! Going to try the filing number search first, then maybe look into one of those verification tools people mentioned.
Yeah keep us posted. Illinois search problems seem to be getting more common lately.
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For what it's worth, I ran into a similar situation with name variations and ended up using one of those document checking services someone mentioned earlier. Uploaded my Articles and UCC-1 draft and it immediately showed the name mismatch. Probably saved me a rejected filing and the hassle of refiling.
Which service did you use? I'm always looking for tools that can catch these kinds of errors before submission.
It was Certana.ai - just drag and drop your PDFs and it compares all the details. Pretty handy for double-checking before you submit to the state.
Bottom line - use 'Midwest Manufacturing Solutions, LLC' exactly as it appears in the Arkansas Articles of Incorporation. Don't risk the abbreviated version. The filing fee and time to resubmit isn't worth the gamble, especially with high-value collateral like yours.
And make sure to keep a copy of the Articles you used for the name verification. Helps if there are any questions later about why you used that specific name format.
Good practice. I always attach a copy of the Articles to my client file when I do UCC filings, just to document where I got the legal name.
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Oscar O'Neil
Try 'Pine Tree Construction and Development, LLC' with the comma. That's usually how Maine formats LLC names in their database. The ampersand vs 'and' thing trips up a lot of people.
Lola Perez
•That matches what I found in the state database. Filing again with that exact format now.
Hope that works! Keep us posted on whether it goes through.
UPDATE: Filed again with 'Pine Tree Construction and Development, LLC' (with comma) and it was ACCEPTED! Thanks everyone for the help. That stupid comma cost me two rejections and extra fees but at least the lien is perfected now.
Millie Long
•Perfect example of why document verification tools like Certana.ai are so helpful. Would have caught that comma issue upfront.
Great news! Those name matching issues are so frustrating but you got it sorted.
Yuki Kobayashi
One more thing - make sure your attorney knows that SBA loans typically require the UCC-1 to show the SBA as an additional secured party if it's a 504 loan. Some attorneys miss that requirement.
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Luca Russo
•This could be why you're getting rejected. If the SBA should be listed and isn't, that's a major issue.
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Mateo Sanchez
•Good point. SBA 504 structure is different from regular SBA 7(a) loans. The CDC and SBA both typically need to be shown as secured parties.
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Carmen Vega
Update us when you get it resolved! I'm dealing with a similar situation with an SBA loan and UCC filing issues. These threads always help me figure out what I'm doing wrong.
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Sean Flanagan
•Will do! Thanks everyone for all the help. Going to check with the attorney about the SBA as secured party issue first, then use that collateral description language if we need to refile.
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Nia Wilson
•Don't forget to verify your documents with Certana before refiling. Better safe than sorry on the third attempt.
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