Ask the community...
- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
Join the conversation
Join the conversation
Update for anyone still following - called Delaware SOS and they confirmed their search system ignores commas and most punctuation. So technically the original filing should be fine. But I'm still filing the UCC-3 amendment to match the note exactly. Better to have consistency across all documents.
Amina Diallo
•Glad you got confirmation from the source. That's the kind of definitive answer that actually helps with the decision making.
Good outcome. And honestly, with 8 months until continuation, you've got plenty of time to get everything aligned properly. No rush decisions needed.
This whole thread is why I use document verification tools now. Too many moving pieces to keep track of manually, especially when you're managing multiple deals. The automated cross-checking catches stuff that's easy to overlook when you're juggling deadlines.
Agreed. The human error factor is real, especially on complex commercial deals with lots of documentation. Automation helps catch the details.
What other tools do people use for UCC management? I feel like I'm still doing everything the hard way with spreadsheets and calendar reminders.
Join the conversation
Romeo Quest
Just want to second the recommendation for document verification tools. After getting burned by database issues like this, I started using Certana.ai to verify all my UCC documents match up correctly before submission. Catches potential problems early and gives peace of mind when state systems are unreliable.
Val Rossi
•How does that help with database search issues though? The filings might still not show up even if they're perfect.
Romeo Quest
•True, but at least you know your filings are correct and consistent. When the database finally updates, there won't be any surprises about name mismatches or other errors.
Eve Freeman
UPDATE: Just checked again this morning and my filings are finally showing up in the Florida UCC search! Took exactly 12 days from acceptance to being searchable. Still ridiculous but at least they're there now.
12 days is actually not too bad compared to some of the horror stories I've heard. Glad it worked out!
Caden Turner
•Still way too long for a state database system. Other states manage to update searches within 24-48 hours.
Join the conversation
AaliyahAli
Just a heads up - sometimes the UCC look up results can lag behind recent filings or changes. If you filed recently, it might take a few days to show up properly in the search results.
Our filing was 6 months ago so it should definitely be showing up by now. But good to know about the lag time for future reference.
AaliyahAli
•Yeah, 6 months should be plenty of time. The lag is usually just a few days at most for most states.
Hope you get this sorted out! UCC look up issues are so stressful, especially when there's a big loan amount involved. Keep us posted on what you find out.
Thanks, I will! Going to try the filing number search and check their current state registration first. Really appreciate all the advice everyone.
No problem! We've all been there with confusing UCC look up results. You'll get it figured out.
Join the conversation
Oscar Murphy
This is why I hate Missouri deals. Their UCC search is so unreliable compared to states like Delaware or New York. You basically have to become a detective to make sure you're not missing anything.
Nora Bennett
•At least Missouri has online search. Some states still require written requests for comprehensive searches.
Oscar Murphy
•True, but I'd rather have a reliable written search than an unreliable online one that gives false confidence.
Ryan Andre
Here's what I do for Missouri UCC searches: 1) Search exact legal name 2) Remove all punctuation 3) Try common abbreviations 4) Search without entity type 5) Check historical names 6) Use wildcard variations 7) Cross-reference with business registration database. It's tedious but catches everything.
Ryan Andre
•I create a spreadsheet with filing numbers, dates, and secured parties. Then I sort by filing number to eliminate duplicates. The key is the unique filing number - same filing can show up under different name searches.
Lauren Zeb
•That's a solid system. I also note which search term found each filing so I can track which variations are most productive.
Madison Allen
Just to add one more verification step - after you file your UCC-1, pull a copy from the Texas SOS to make sure it was indexed correctly. Sometimes there are data entry errors that don't show up until you search for the filing.
0 coins
Madison Allen
•Usually within a few hours for online filings. Paper filings take longer but most people do electronic now.
0 coins
Michael Adams
•Electronic is definitely faster and you get immediate confirmation of acceptance or rejection.
0 coins
Joshua Wood
Sounds like you've got a good plan now. UCC-1 financing statement for the promissory notes, careful attention to debtor names and collateral description, and verification after filing. Much more straightforward than trying to navigate Article 3 requirements that don't actually apply to your situation.
0 coins
Ashley Adams
•Exactly. Thanks everyone for the help sorting this out. Really appreciate the guidance from people who've been through similar situations.
0 coins
Justin Evans
•That's what these forums are for! Always happy to help fellow filers avoid the pitfalls we've already fallen into.
0 coins