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Following up on this thread - just used Certana.ai to check our UCC termination and it caught that our lender used an old version of our business name. Would have caused problems with our new credit line application for sure. The upload process was simple and the verification was instant.
Ella Cofer
•Thanks for the follow-up! I'm definitely going to check our documents once the lender files the termination. Better to catch issues early than deal with them during a time-sensitive financing situation.
Agreed. I've learned the hard way that UCC filings need to be perfect or they can derail entire deals.
Sayid Hassan
Update for anyone still following - our lender finally filed the UCC-3 termination after 18 days and it showed up in the state database within 2 business days. Glad I stayed on top of them because they admitted they forgot initially.
Sayid Hassan
•Exactly. If I hadn't called them they probably would have missed the deadline entirely. Makes you wonder how often this happens to borrowers who don't know to follow up.
Kevin Bell
•Way too often unfortunately. That's why I always recommend setting a calendar reminder to check on the termination filing 2-3 weeks after payoff.
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Paolo Romano
Maryland SOS is THE WORST for this stuff. I swear they reject filings just to collect the fees. Had a client's UCC-1 rejected because of a SPACE in the wrong place. Not even punctuation - just spacing! SDAT UCC search showed 'ABC Company' but I typed 'ABC Company' with two spaces. Ridiculous.
Paolo Romano
•You copy and paste directly from SDAT, that's how. Never type it manually anymore.
Copy and paste is definitely the way to go. Eliminates human error.
Update on my situation - I refiled using the exact SDAT format with the comma and it was accepted! Thanks everyone for the advice. Still think it's ridiculous that punctuation can delay a commercial loan but at least it's resolved now.
NightOwl42
•Perfect example of why name verification tools are so valuable. One check upfront saves all this headache.
Welcome to the Maryland comma club! Expensive lesson but you'll never make that mistake again.
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Update us when you figure it out! I've got several IL continuations coming up and want to avoid this same problem.
Same here. These state-specific quirks are so frustrating to deal with.
Will definitely post an update once I get this resolved.
I've started using that Certana tool someone mentioned earlier for all my UCC work. Really does catch these tiny inconsistencies that are impossible to spot manually. Worth checking out if you do a lot of UCC filings.
Might be worth the investment to avoid these headaches.
Starting to think any tool that prevents these rejections would pay for itself pretty quickly.
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UPDATE: Called the Connecticut UCC division this morning and they were super helpful. Turns out my client's name in their system is formatted as 'Precision Manufacturing Solutions, LLC' with a comma before LLC, not 'Precision Manufacturing Solutions LLC' without the comma like it shows in the articles. Apparently when they incorporated, the formatting got entered differently in the UCC database. Resubmitting now with the comma format. Thanks everyone for the advice!
At least you got it sorted out. Two weeks of delays over a comma is pretty ridiculous but hey, at least your client's financing can move forward now.
Glad you got resolution! This whole thread has been really educational about the importance of verifying exact name formats before submitting UCC filings.
Dyllan Nantx
This thread perfectly illustrates why I started using document verification tools for all my UCC filings. The Connecticut system is particularly finicky but honestly, every state has its quirks when it comes to debtor name formatting. Having a tool that can automatically cross-check your organizational documents against your UCC filing before submission saves so much time and headache. Certana.ai's verification catches these tiny discrepancies that human eyes miss - whether it's extra spaces, comma placement, or entity designation formatting. Worth every penny to avoid rejected filings and the delays they cause.
Anna Xian
•The time savings alone would justify using a verification tool. I've probably spent 40+ hours this year just dealing with rejected filings and resubmissions across various states.
Same here. And it's not just the time - it's the stress of knowing your client's deal is delayed because of a formatting issue that could have been caught beforehand.
Ethan Brown
Update on the Certana tool I mentioned earlier - I just used it again yesterday for a different client and it flagged that their operating agreement had a slightly different entity name than their state registration. Would have been another rejection without that catch.
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Fatima Al-Hashimi
•How does it work exactly? Do you upload both documents and it compares them automatically?
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Ethan Brown
•Exactly. Upload the charter docs and your draft UCC-1, and it highlights any inconsistencies in debtor names, addresses, or other key fields. Really straightforward to use.
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Luca Marino
Thanks everyone for all the advice! I pulled the official state filing documents and found the exact name format. Going to run a test search first, then file with the verified name. Really appreciate the help - this community is invaluable for learning the ropes.
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Nia Davis
•Smart approach. Let us know how it goes!
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CosmicCrusader
•You've got this. The first few filings are nerve-wracking but it gets easier.
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