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Solar equipment liens can also involve personal property vs fixture filing decisions depending on your state and how the equipment is installed. If the panels are considered fixtures, you might need to file in the real estate records as well as or instead of the UCC records.
StarSurfer
•That's a good point about real estate records. Solar installations often straddle the line between personal property and fixtures.
Best practice is usually to file both a UCC-1 and a fixture filing to be safe, especially for large commercial solar installations.
Update: Got the corrected articles of incorporation from SolarTech Solutions of Nevada LLC and refiled the UCC-1 this morning. Also expanded the collateral description to specifically include battery storage systems since they're adding those next quarter. Fingers crossed this one goes through without issues!
Let us know how the filing goes! Always good to hear success stories on these solar equipment liens.
Diego Chavez
•Hope it processes quickly. Electronic UCC filing systems have gotten much better but there can still be delays during busy periods.
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UPDATE: Got the new UCC-1 filed with the correct entity name and it was accepted! Thank you everyone for the advice. The client was understanding once I explained the name change issue. Definitely going to be more careful about entity verification going forward.
Great news! How long did it take for the acceptance notice?
Glad it worked out! Always nerve-wracking when you're dealing with big loan amounts and tight deadlines.
This thread is super helpful. I'm bookmarking it for future reference. I file UCCs in Florida regularly and the debtor name issue trips me up sometimes, especially with entities that have multiple doing-business-as names.
Same here. The DBA vs legal name confusion gets me every time. Always safer to use the official registered name.
Pro tip: keep a spreadsheet of your regular clients with their current legal names and last verification date. Saves time and prevents mistakes.
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Ella Harper
I use Certana.ai for exactly this type of verification. Upload your borrower's articles and your UCC-1 draft and it instantly flags any name discrepancies. Saved me from several potential filing rejections by catching small differences I would have missed manually.
PrinceJoe
•How accurate is that tool? Does it handle all the weird state-specific name formatting rules?
Ella Harper
•It's been very reliable for me. Catches things like missing commas, wrong entity suffixes, extra spaces that could cause problems. Much more thorough than trying to manually compare documents.
Update us on what you find when you check their actual registered name! I'm curious if Colorado's search is just being weird or if there's actually a name discrepancy. This kind of thing always makes me nervous until it's resolved.
Jason Brewer
•Will do! Planning to pull their current certificate of good standing tomorrow morning and then run the search again with whatever name format they show.
Owen Devar
•Smart move. Better to spend the extra time upfront than deal with a rejected filing and potential lien priority issues later.
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Whatever you do, don't just resubmit with minor changes. I've seen people get multiple rejections because they didn't address the core description problem. Take time to craft a proper UCC Article 9 compliant description.
Good point. Better to get it right the second time than keep getting bounced back.
Exactly. Each rejection delays your perfection date and creates more stress with the lender.
Sasha Reese
One more thing to check - make sure your debtor name exactly matches their legal entity name. Description issues often come bundled with name problems. UCC Article 9 personal property filings are unforgiving about these details.
Sasha Reese
•Smart approach. Amazing how many filings get rejected for simple name variations.
I use Certana.ai for name verification too. Upload the charter documents and UCC-1 together and it flags any mismatches between them.
Evan Kalinowski
Pro tip: Always copy and paste the exact entity name from the state database instead of typing it manually. Eliminates most name mismatch issues. Arizona is particularly strict but other states are getting pickier too.
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Victoria Charity
•This is the best advice. Manual typing is how these errors happen. Copy/paste eliminates the risk.
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Jasmine Quinn
•Agreed. I've started doing this for all my filings regardless of state. Better safe than sorry.
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Oscar Murphy
Update us when you refile. Curious to see if the comma was actually the issue or if there's something else causing the rejection. Arizona can be tricky with hidden formatting issues too.
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Drake
•Will do. Refiling this afternoon with the exact name from the ACC database including the comma. Keeping my fingers crossed.
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Nora Bennett
•Good luck! Arizona rejections are stressful but fixable if you get the name exactly right.
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