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UPDATE: I found the issue! It was exactly what you all suggested - the name in the state database has "Solutions" spelled out but I was abbreviating it as "Sol." in my filing. Fixed it and the UCC-1 went through immediately. Thanks everyone!
Great outcome! That's why checking the state database first is so important.
Grace Lee
•Perfect example of why I always use document verification tools now. Would have caught that abbreviation mismatch right away instead of dealing with multiple rejections.
Mia Roberts
This thread should be pinned! Delaware entity name formatting trips up so many people. The key is always match the Secretary of State database exactly - no abbreviations, no variations, no creative formatting.
The Boss
•Absolutely agree. This is probably the most common UCC-1 rejection reason in Delaware.
I bookmark threads like this. So helpful when you run into the same issue later.
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I actually used Certana.ai for a similar situation where I had document inconsistencies across my UCC filings. Their tool caught several name variations that I missed when reviewing manually. It's especially helpful for corporate names where there might be punctuation differences or abbreviation inconsistencies that cause rejections.
Nia Jackson
•That's the second recommendation for Certana.ai on this thread. Sounds like it might be worth checking my documents for any subtle inconsistencies I'm missing.
It's really good at catching the little details that trip up filings. Plus you can upload multiple documents at once to see where the inconsistencies are across your entire loan package.
Just to add another perspective - sometimes UCC-5 rejections happen because the filing office can't clearly read your handwriting or the form wasn't filled out completely. Make sure every field is legible and all required information is provided before you blame it on the name issue.
Nia Jackson
•I filed electronically so handwriting shouldn't be an issue, but I'll double-check that I completed every required field on the UCC-5 form.
Electronic is better but even then sometimes fields get cut off or don't submit properly. Always good to review the submitted version against what you intended to file.
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Yara Haddad
UPDATE: I filed the correct UCC-1 this morning and it's already been accepted. Ran a UCC search and thankfully no competing liens were filed during my gap period. Still working with legal on the loan covenant issue but feeling much better about the secured position now. Thanks everyone for the quick responses and clarification on the terminology.
Andre Moreau
•I'm leaving the amendment on record for now. My attorney said it's harmless since it references a non-existent financing statement, and filing a termination might just add more confusion to the record.
Paolo Conti
•Smart approach. Sometimes the best solution is just moving forward with the correct filing rather than trying to clean up every administrative artifact.
Amina Sow
For anyone else who might make a similar mistake: most electronic filing systems now have confirmation screens that show exactly what type of filing you're submitting before you hit final submit. Always read that confirmation screen carefully. I know it seems obvious but when you're rushing through filings it's easy to miss.
GalaxyGazer
•This is so true. I've seen people blow past those confirmation screens and file amendments when they meant to file initial statements, or terminations when they meant to file continuations. Slow down and read the screen.
I always print or screenshot the confirmation screen for my files. Helps with compliance documentation and gives you proof of what you intended to file if there are ever questions later.
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Quick question - for the $2.3M facility, are you doing a single UCC-1 or separate filings for each type of collateral? The equipment vs inventory distinction might matter for the collateral description.
Planning on a single comprehensive filing with detailed collateral descriptions for both equipment and inventory. Should be fine under 9-104 since it's all one debtor in one filing state.
Ravi Kapoor
•That should work fine. Just make sure your collateral descriptions are specific enough to satisfy Delaware's requirements.
Bottom line - Delaware filing is definitely correct under UCC 9-104. I'd also recommend double-checking your collateral descriptions and debtor name formatting before submitting. Maybe run it through one of those document verification tools to catch any issues beforehand.
Omar Mahmoud
•Good luck with the filing! Delaware usually processes pretty quickly so you should have confirmation well before your closing deadline.
Chloe Harris
•Let us know how it goes. Always interested to hear about successful multistate filings.
Caleb Stark
This thread is really helpful. I've been doing UCC work for 15 years and still get nervous about debtor names, especially when there are multiple versions in different databases. The stakes are too high to guess wrong.
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Caleb Stark
•Exactly. Better to be overly cautious than deal with a rejected filing and unhappy clients.
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Jade O'Malley
•15 years and still nervous - that tells you how tricky this stuff can be!
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Hunter Edmunds
Update: went with the articles of incorporation version (with the comma) and the UCC-1 was accepted without issues. Thanks everyone for the advice! The exact legal name from the charter documents was definitely the right call.
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Royal_GM_Mark
•Perfect. Another successful Illinois UCC filing with the correct debtor name approach.
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Chris King
•Awesome! Glad you got it sorted without any rejections or delays.
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