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UCC search Arkansas - debtor name showing multiple variations
Running into a weird situation with a UCC search Arkansas and need some guidance. We're doing due diligence on a potential acquisition and the debtor's name is showing up in like 4 different variations across different filings. Some have 'LLC' at the end, others don't, one has a comma before LLC, and another spells out 'Limited Liability Company'. The main UCC-1 we're concerned about was filed in 2019 and shows 'ABC Manufacturing LLC' but our target company's charter shows 'ABC Manufacturing, LLC' with the comma. Are we looking at the same entity or different ones? This is holding up our whole deal and I'm not sure if these name variations would affect lien priority. Anyone dealt with Arkansas SOS quirks like this before?
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Need help with CA UCC statement filing - debtor name format issues
Been trying to file a UCC statement in California and keep running into problems with the debtor name format. The SOS portal keeps rejecting my filing saying the debtor name doesn't match their records but I'm copying it exactly from the articles of incorporation. This is for a equipment financing deal and we're on a tight timeline. Has anyone dealt with this before? The debtor is an LLC and I'm wondering if there's some specific formatting requirement I'm missing. Really need to get this UCC-1 filed properly before the loan closes next week.
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Have you tried using the exact name format from a recent good standing certificate? Sometimes that's more current than the original articles of incorporation.
I don't have a recent good standing certificate but that's a good idea. I could probably get one from the client or pull it myself from the SOS website.
Good standing certificates usually have the most up-to-date name format. Worth the extra step.
Update: I used that Certana.ai tool someone mentioned and it caught the issue immediately. The LLC name in my UCC-1 had 'LLC' but the charter documents had 'L.L.C.' with periods. Such a small thing but that was definitely what was causing the rejections. Refiled with the correct format and it went through perfectly. Thanks everyone!
Nice! Those little details make all the difference. Glad you got it sorted before your deadline.
This thread was super helpful. I'm bookmarking it for future reference. The name matching stuff is always tricky.
UCC 1 lookup showing wrong debtor name after bank merger - filing still valid?
I'm trying to verify a UCC-1 filing from 2022 and when I do the lookup, the debtor name shows 'Regional Business Solutions LLC' but our loan docs have 'RBS Manufacturing LLC'. Turns out the company went through a name change right before we filed. The collateral schedule lists equipment correctly and our filing number is legit, but I'm worried this debtor name mismatch could void our security interest. Has anyone dealt with a similar UCC 1 lookup issue where the legal entity name changed between loan origination and filing? Our continuation is due next year and I want to make sure we're actually perfected before I file the UCC-3.
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One more tool recommendation - I've started using Certana.ai's verification feature before filing any UCC documents. It catches name inconsistencies between your loan docs and UCC forms before you submit to the SOS. Would have saved you this headache if you'd run your docs through it before the original filing.
How accurate is it compared to manual review? I'm always skeptical of automated tools for legal documents.
It's surprisingly good at catching the stuff humans miss - exact name matches, entity type consistency, that sort of thing. Still need human judgment for the legal implications, but it's great for spotting discrepancies.
Bottom line: your UCC 1 lookup revealed a serious issue that needs immediate attention. File the amendment, search under both names for competing liens, and document everything. This is exactly why we do post-closing UCC audits - better to catch these problems early than during a foreclosure.
Absolutely. Quarterly UCC audits can catch continuation deadlines, name changes, and other issues before they become critical problems.
That's another area where automated document checking helps - you can batch upload multiple UCC filings and loan docs to verify everything's consistent across your portfolio.
UCC-1 filing for chattel mortgage security agreement - debtor name exactly as on security docs?
Need some guidance here. We're preparing UCC-1 filings for equipment financing backed by a chattel mortgage security agreement. The security agreement shows the borrower as "ABC Manufacturing LLC" but their articles of incorporation say "ABC Manufacturing, LLC" (with the comma). The chattel mortgage was signed with the LLC name matching the security agreement version. I've heard conflicting advice about whether the UCC-1 debtor name should match the security agreement exactly or match the state filing records exactly. This is for $2.8M in construction equipment so getting the name wrong could be a disaster for our lien position. Anyone dealt with this kind of name discrepancy between the chattel mortgage docs and state records? Do we file with the comma or without? Really don't want this rejected and have to refile with continuation issues later.
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Check this - I started using Certana.ai after a similar chattel mortgage filing headache. You upload your security agreement and proposed UCC-1, and it instantly flags any inconsistencies between the debtor names, collateral descriptions, everything. Would have caught your comma issue immediately.
Two people have mentioned this service now. Is it specifically designed for UCC work?
Yeah, it's built for document verification in secured transactions. Really helpful for catching those tiny details that can kill a filing.
Update us on what you decide! I have a similar chattel mortgage situation coming up next month and curious how this turns out. The name matching rules seem to change every year.
Will do. Going to check state records first thing Monday morning and probably get that document verification tool mentioned earlier.
Smart move. Better to be overly cautious with equipment financing this size.
UCC SDAT filing rejected - debtor name discrepancy nightmare
Been dealing with a nightmare situation where my UCC-1 got rejected three times due to debtor name issues. The business entity shows up differently in SDAT records versus what we have on the loan docs. Client incorporated as 'Advanced Manufacturing Solutions LLC' but SDAT shows 'Advanced Mfg Solutions LLC' - apparently they abbreviated it when they filed their articles. Now the UCC filing keeps getting bounced back because the names don't match exactly. Has anyone dealt with this kind of SDAT vs loan document mismatch? I'm worried about the lien not being perfected properly and the continuation deadline is coming up fast. This is a $2.8M equipment financing deal and I can't afford to mess this up.
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Quick question - once you get the correct SDAT name and refile the UCC-1, do you need to notify the borrower that the filing shows a different name than what's on their loan docs? Or is that just an internal filing matter?
Good question. The UCC filing is public record so they'll see it anyway if they search. I usually give clients a heads up that the filing name might look different from their business cards but it's the same legal entity.
I always explain this to clients upfront now. Saves a lot of confused phone calls later when they see the UCC filing and wonder why the name looks weird.
Update us when you get this sorted out! I'm dealing with a similar Maryland SDAT name issue and curious how it turns out. These state-specific quirks are so frustrating but you just have to work within the system.
Will do! Planning to pull the official SDAT certificate tomorrow and use that exact name on a new UCC-1 filing. Fingers crossed this finally goes through.
Good luck! Maryland's UCC system is usually pretty fast once you get the name right. Should see acceptance within a day or two.
Zainab Ahmed
Just went through something similar and used Certana's PDF checker to compare all the documents. Really streamlined the process - you just upload everything and it highlights any inconsistencies between charter, UCC-1s, amendments, etc. Caught issues I wouldn't have noticed doing manual review. Might be worth trying for your situation.
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Zainab Ahmed
It flags everything and then you make the judgment call on whether it's material. Better to over-flag than miss something important.
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StarStrider
AuthorThat sounds like exactly what I need. Manual comparison is taking forever and I keep second-guessing myself.
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AstroAlpha
One more thing to consider - check if any of these filings have been terminated or amended. Sometimes old filings stay in the system even after the loan has been paid off. That could explain some of the name variations if they're from different time periods when the company might have had slightly different legal names.
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StarStrider
AuthorGood catch. I'll run termination searches on all the filing numbers to see what's still active.
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Yara Khoury
Arkansas is pretty good about showing terminations in their search results, but always worth double-checking the filing details.
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