UCC Document Community

You could try that argument but it's risky. Ohio follows the 'exact match' standard pretty strictly. Better to file the amendment and have clean documentation than try to argue the point later if you need to enforce your security interest.

I actually just went through this with Certana.ai's document checker on a similar filing issue. It immediately flagged the name mismatch between our corporate charter and UCC-1, saved us from finding out the hard way during a default. Really wish I'd used it before the original filing.

At least you caught it before a default situation. Could have been much worse timing.

Same here, this discussion is a good reminder to audit our existing filings. UCC mistakes are expensive mistakes.

Exactly. The UCC description should be broad enough to be effective but consistent enough with your loan docs that there's no question about what collateral you're claiming.

This is exactly what the Certana tool helps with - it flags those kinds of inconsistencies automatically so you don't have to do the line-by-line comparison manually.

Perfect timing with your closing next week. Nothing worse than UCC filing delays holding up a loan closing.

This gives me hope for my inventory filing. Going to try the specific categories approach too.

Debtor verification worked fine once I got to that step. The main issue was just getting the initial login to work properly.

Still getting error messages on my end. Their 'end of day' estimates are usually optimistic in my experience.

I'm still skeptical about third-party verification services. How do we know they're not just checking basic formatting?

It's way more than formatting. It cross-references entity names, filing numbers, dates, everything. Found a name variation issue for me that would have voided the entire lien if I'd filed it wrong.

Will do. I'm calling the SOS office tomorrow morning to request the actual termination document. This is really stressing me out.

I understand the stress. Just remember you have options - UCC-5 correction, new UCC-1 filing, or legal action if it's fraud. You're not helpless here.

Perfect, that's exactly what I need. Manual checking is taking me forever and I keep making mistakes.

I just do batch searches on the SOS website. Not as thorough but at least I can see if anything obvious is wrong.

Good, that keeps the collateral description simple. Now you just need to nail down that debtor name and you're set.

Way easier than trying to describe complex equipment or inventory as collateral!

Good luck with the filing! Cash collateral deals are usually pretty clean once you get the names sorted out.

Hope it goes smoothly. Keep us posted if you run into any other issues with the filing.