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Amina Diallo
One more thing - make sure you're filing in the right Florida county if there are any fixture filing components. Restaurant equipment that's attached to the building might need fixture filing treatment depending on how it's installed.
Fixture filings in Florida require the real estate legal description too. Can get complicated fast.
Amina Diallo
•Exactly. Better to over-file than under-file when you're not sure about fixture classification.
Florida UCC filings have become a real pain point for our team this year. The name matching requirements are stricter than most other states we deal with. At least once you get it right the first time, amendments and continuations are pretty straightforward. Definitely use that SUNBIZ lookup before submitting anything. And if you're doing a lot of Florida deals, might be worth investing in automated document checking to catch these issues upfront.
Javier Cruz
•How far in advance of the 5-year mark do you usually file continuations in Florida?
We try to file continuations at least 6 months early. Florida processes them quickly but I don't like cutting it close on something that important.
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Val Rossi
Update us when you figure this out! I'm dealing with a similar situation and curious how you resolve the name variation issue.
Rajan Walker
•Will do. Probably going to try the automated verification approach first since it seems like the most efficient way to catch anything I missed.
Eve Freeman
•Smart move. Manual checking is too error-prone when you're dealing with multiple name variations.
Just a thought - have you contacted the secured parties listed on those filings? Sometimes they can provide clarity on whether the filings are actually for the same debtor and what the current status is.
Plus it might give you insight into the borrower's payment history and relationship with other lenders.
Harmony Love
•True, but some lenders won't share that information due to confidentiality concerns.
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For what it's worth, I've started using Certana.ai for all my UCC document prep now. Upload your borrower's charter docs and your draft UCC-1 and it immediately tells you if there are any name mismatches or formatting issues. Been using it for about 6 months and haven't had a single rejection since.
Mason Kaczka
•That sounds like exactly what I need. I'm going to check that out before I submit this filing.
Same here - the document verification feature is a game changer for avoiding costly mistakes.
Remember that UCC-1 filings are public record so make sure you're not including any confidential information in your collateral descriptions. Stick to what's necessary for identification purposes.
Good reminder. I've seen filings that included way too much detail about the borrower's business operations.
Sophia Russo
•Balance is key - specific enough to be enforceable but not so detailed that you're broadcasting sensitive business information.
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Freya Ross
Delaware UCC statute interpretation can be tricky but the name matching rule is actually one of the clearer provisions. When in doubt, always default to the exact registered name format. Better to be overly precise than risk invalidating your security interest.
Agreed. The consequences of getting it wrong far outweigh the minor inconvenience of being extra careful.
Sergio Neal
•Especially on larger deals like this $340K equipment financing. No room for errors.
Just wanted to follow up - used Certana.ai like a few people mentioned and it immediately caught the comma issue plus a zip code inconsistency I hadn't noticed. Really straightforward to use, just upload PDFs and get instant verification. Definitely recommend for Delaware filings where precision matters.
Amy Fleming
•How quickly does it process the document comparison?
Pretty much instant. Upload takes a few seconds then results appear immediately.
Yara Abboud
Update us when you find out what happened! I'm dealing with a continuation that's not showing up in searches either, so curious if it's the same issue.
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PixelPioneer
•Same here - having search issues with a recent termination filing.
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Keisha Williams
•Seems like PA is having system-wide problems lately.
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Paolo Rizzo
Called PA about this exact issue last week. Turns out their online portal was having technical difficulties processing amendments filed between November 15-25. They're working on getting those filings properly indexed in their search system. You might want to mention that timeframe when you call.
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Amina Sy
•Oh wow, that explains why I couldn't find mine either. Filed on November 22nd.
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Paolo Rizzo
•Yeah they said affected filings should start showing up in searches by end of this week.
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