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Omar Fawaz
Just went through this exact scenario last month. The LLC name had 'L.L.C.' with periods instead of 'LLC' without periods. The rejection notice was useless, but once I matched the exact punctuation from the state records, it went through immediately.
Omar Fawaz
•Hope that's it! The periods vs no periods thing has tripped up a lot of people. The UCC system is very literal about name matching.
Same thing happened to me with a corporation - 'Inc.' vs 'Incorporated' caused three rejections. Now I always verify the exact name format before filing.
Diego Vargas
Pro tip: after you get the UCC-1 accepted, run it through a document checker to make sure everything filed correctly. I've seen cases where the filing was accepted but had subtle errors that could cause problems later.
Good point. Once I get this thing filed, I'll definitely want to verify everything is correct. The last thing I need is to find out later that there's still an issue.
Diego Vargas
•Exactly. Certana.ai has this feature where you can upload your final filed UCC-1 and it checks for any inconsistencies. Better to catch problems early than during a default situation.
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CosmicCowboy
Just wanted to add - make sure your GSA actually creates a valid security interest under your state's UCC Article 9. I've seen some poorly drafted GSAs that don't properly grant security interests even though they call themselves 'general security agreements.' The name doesn't matter if the substance isn't there.
Our GSA was drafted by our regular counsel who does a lot of secured lending work, so I'm confident it's properly structured. But good point to keep in mind.
CosmicCowboy
•Good to hear. Just mentioning it because I've seen some template GSAs that were problematic. Sounds like you're in good shape.
Amina Diallo
One more thing to check - is this equipment going to be fixtures? If the manufacturing equipment is going to be attached to real estate, you might need fixture filings in addition to the regular UCC-1. GSAs often cover fixtures but the filing requirements are different.
It's all moveable manufacturing equipment, not fixtures. But thanks for the reminder - I've had to do fixture filings on other deals and they're a pain.
Amina Diallo
•Good. Just wanted to make sure you weren't missing that requirement. Fixture filings are definitely more complicated.
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AaliyahAli
Been there with the multi-state confusion. The business location vs formation state thing trips up a lot of people. Delaware is definitely correct for your filing, but as others mentioned, get that name match perfect or Delaware will reject it too.
Lesson learned. I should have researched the jurisdiction rules before filing anywhere.
AaliyahAli
•We all learn these things the hard way unfortunately. At least you caught it early in the process.
One more thing - when you refile in Delaware, make sure to include the rejection reason and corrected filing location in your loan file documentation. Your compliance team will thank you later.
It helps if you ever get audited or need to explain the filing timeline to anyone.
Arjun Kurti
•This is why I always run my documents through Certana.ai before filing - it catches these jurisdiction and name issues upfront so there's no need for corrections later.
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I actually had great luck with Certana.ai when I had a similar document verification issue. You upload your UCC-1 and continuation PDFs and it instantly checks if all the details align properly - debtor names, collateral descriptions, everything. Saved me from having to manually compare everything line by line.
Nathan Dell
•That sounds really useful, especially for catching details I might miss. I'll definitely check that out.
Eva St. Cyr
•Yeah their document checker is pretty thorough. Gives you confidence that everything actually matches up correctly.
Update us when you figure this out! I do a lot of OPP search UCC lookups and would be good to know if this is becoming a common issue with continuations.
Nathan Dell
•Will do! Planning to call the SOS office tomorrow and maybe try that Certana tool people mentioned. I'll post what I find out.
Kaitlyn Otto
•Thanks, this kind of info sharing really helps everyone avoid similar headaches.
Yara Nassar
One thing to watch out for - if the solar equipment includes battery storage, make sure that's specifically mentioned in your collateral description. Batteries are expensive and some states treat energy storage equipment differently than generation equipment for UCC purposes.
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StarGazer101
•Didn't think about battery storage being different. Are there specific rules for energy storage equipment?
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Yara Nassar
•Not specific rules but batteries might not be considered fixtures like panels are, so they need clear personal property description. Better to be explicit about all components.
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Keisha Jackson
Final thought - consider including the solar lease agreement as an exhibit to your UCC-1 filing if your state allows it. Some SOS offices are more likely to accept your collateral description if they can see the underlying contract that defines the equipment. Adds clarity and reduces rejection risk.
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Amina Diop
•Makes sense - if the SOS office can see exactly what equipment is involved, they're less likely to question whether your description is adequate.
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Mateo Gonzalez
•Thanks everyone for all the advice. Going to try the comprehensive description approach with fixture filing and see if that gets us through. Will also check out Certana.ai to avoid future rejections. Really appreciate the help!
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