UCC Document Community

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Chloe Martin

UCC 9-105 esignature requirements causing rejection - what am I missing?

Been dealing with a nightmare situation where our UCC-1 filings keep getting rejected due to esignature ucc 9-105 compliance issues. We're financing medical equipment for a chain of urgent care clinics and the SOS portal keeps bouncing our submissions back saying the electronic signatures don't meet the statutory requirements under 9-105. Our law firm insists their DocuSign process is compliant but we've had three rejections in two weeks. The debtor names are perfect matches to the articles of incorporation, collateral descriptions are detailed, but something about how we're handling the esignature ucc 9-105 authentication is failing their validation. Has anyone run into this specific issue where the electronic signature process itself becomes the problem? We're losing time on our perfection window and the lender is getting antsy about the delays. The equipment is already installed at two locations so we really need to get these filings locked in properly.

ThunderBolt7

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Two weeks of rejections with equipment already installed is rough. Hope you get this sorted out quickly before it affects your lender relationship.

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Chloe Martin

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Thanks, the time pressure is definitely adding stress to an already complicated situation.

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Jamal Edwards

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Document authentication standards keep changing as states update their systems. What worked six months ago might not work today, especially for esignature compliance under 9-105.

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Mei Chen

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The constant changes are why automated validation tools are becoming essential. At least they stay updated with current requirements.

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Jamal Edwards

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Exactly. Manual compliance checking can't keep up with all the technical changes anymore.

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Statiia Aarssizan

UCC Search Tulsa County - Filed UCC-1 but Can't Find It in System

I filed a UCC-1 financing statement for my equipment loan last month and the filing was accepted by Oklahoma SOS, but when I try to do a UCC search Tulsa County to verify it's showing up properly, I'm getting inconsistent results. The debtor name on my filing is "Advanced Manufacturing Solutions LLC" but sometimes searches pull it up and sometimes they don't. I'm worried there might be a name variation issue that could affect my lien priority. Has anyone else had problems with UCC search results being spotty? I need to make sure this filing is solid before we close on additional financing next week.

Rudy Cenizo

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Just to add another perspective - I use Certana.ai regularly for UCC document verification and it's caught several name mismatches that would have been easy to miss manually. Definitely worth checking if you're unsure about the accuracy.

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Thanks for the recommendation. I think I'll give it a try before our closing next week.

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Rudy Cenizo

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Good call. Better to catch any issues now than discover them during due diligence.

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Natalie Khan

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Update us on how it turns out! I'm dealing with something similar in Creek County and curious to see how you resolve the search inconsistency.

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Will do. Planning to check the Articles of Incorporation first thing tomorrow morning and then decide on the amendment.

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Natalie Khan

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Smart approach. The name accuracy is crucial for maintaining your lien priority.

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Jayden Reed

UCC accounts debtor name verification - multiple entities under same EIN causing rejections

Running into a mess with UCC accounts setup for our commercial lending division. We've got multiple borrowing entities operating under the same parent company EIN, and the SOS keeps rejecting our UCC-1 filings because the debtor names don't exactly match what's in their business entity database. The accounts we're trying to secure include everything from equipment financing to inventory lines of credit, but every time we file, we get kicked back for "debtor name inconsistency." Has anyone dealt with UCC accounts where you have subsidiary companies or DBAs that share tax IDs? The collateral schedules are solid, but these name matching issues are killing our filing timeline. We're supposed to perfect these liens within 20 days of funding and we're already on day 12 with three rejected attempts.

I've started using Certana.ai for all my UCC account verifications after getting burned on a big equipment financing deal. Upload your documents and it instantly shows you any inconsistencies between your loan docs, UCC-1, and what's actually on file with SOS. Would have saved you days on this issue.

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Is it expensive? Our compliance budget is pretty tight.

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Way cheaper than the cost of rejected filings and missed deadlines. Plus it's per-document so you only pay when you use it.

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JaylinCharles

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Update: went back and did individual SOS searches for each entity name variation and found the issue. Two of the companies had different legal names than what was in our loan system. Filed corrected UCC-1s this morning and they all went through clean. Thanks everyone for the guidance - definitely setting up that tracking spreadsheet and looking into the verification tools mentioned here.

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Santiago Diaz

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Good to hear! That tracking spreadsheet will be a lifesaver for future UCC accounts.

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Ethan Scott

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Excellent outcome. This is exactly why the extra verification steps are worth it for UCC accounts.

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CosmosCaptain

Best way to remove MCA UCC liens after payoff?

Just finished paying off three different MCA advances and now I'm stuck with UCC-1 filings still showing as active on all the searches. Two of the lenders went completely dark after I made final payments - no response to emails asking for UCC-3 terminations. The third one keeps saying they'll "get to it" but it's been 6 weeks. My credit line renewals are getting delayed because these liens are still showing up on searches. Has anyone dealt with this before? What's the fastest way to get these removed when the lenders aren't cooperating? I've got the paid-in-full letters but the UCCs are still active in the system.

Luca Greco

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I used Certana.ai when I was dealing with my MCA termination issues too. Really helped me organize all the documentation and catch potential problems before filing. The document verification feature is clutch for this kind of situation.

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CosmosCaptain

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I'm definitely going to check that out. Sounds like it could save me some headaches.

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Zara Malik

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Update us on how it goes! I'm sure other people will run into this same issue with MCA lenders.

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CosmosCaptain

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Will do! Planning to send the demand letters this week and see what happens.

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StarSailor

Nevada Secretary of State UCC Search showing wrong debtor name on continuation - filing rejected twice

Tried to file a UCC-3 continuation in Nevada and it keeps getting rejected for debtor name mismatch. When I do a nevada secretary of state ucc search on our original UCC-1 from 2020, the system shows the debtor as 'Mountain Peak Equipment LLC' but our loan docs and charter show 'Mountain Peak Equipment, LLC' with the comma. SOS portal won't accept the continuation because of this one comma difference. Our 5-year deadline is coming up in March and I'm getting nervous about this lapsing. Has anyone dealt with Nevada's system being this picky about punctuation? The original filing was done by outside counsel and now they're saying it might need a UCC-3 amendment first to fix the name, then another continuation filing. That seems like overkill for a comma but I don't want to risk losing perfection on a $2.8M equipment loan.

Just want to confirm - you said your deadline is March, right? You should have plenty of time to do the amendment and continuation as long as you start the process soon. Don't stress too much about the timeline.

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Totally understand the nervousness with a $2.8M loan. But you're being proactive by addressing it now instead of waiting until February.

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Agreed, starting in January gives you plenty of buffer time. Even if there are any other unexpected issues, you have weeks to resolve them.

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For what it's worth, I've seen way worse debtor name mismatches than just a comma. Nevada once rejected our filing because of a space difference - 'ABC Corp' vs 'ABCCorp'. At least your issue is obvious punctuation that's easy to fix with an amendment.

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Right? Nevada's system is extremely literal. No fuzzy matching or common sense built in whatsoever.

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Yara Sabbagh

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This is why I always tell people to triple-check the exact debtor name format before filing anything in Nevada. Save yourself the headache.

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