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
Chloe Zhang
For what it's worth, you can still do effective lien searches in NC by using broader search terms and then manually reviewing results. Search for the debtor name, then review each UCC-1 filing to identify equipment matches. It's not ideal but it works.
That's so time consuming though. For large equipment finance portfolios that approach becomes completely impractical.
Chloe Zhang
•True, but it's better than missing existing liens because you relied on the broken collateral search function.
I had similar issues last month with construction equipment searches. Ended up calling the NC SOS office directly and they confirmed their collateral search indexing has been problematic since their system upgrade.
Did they give any timeline for fixing it?
They said 'working on it' but no specific timeline. Typical bureaucratic response.
Join the conversation
Just a thought - are you including any organizational identifiers that might not belong? Like some people put 'a Georgia corporation' after the company name which will definitely get rejected.
Yeah keep it to just the bare legal name. No extra identifiers or descriptions in that field.
I made that mistake once and wasted two days trying to figure out why it kept getting rejected. The name field should be just the name, nothing else.
Emma Davis
SUCCESS! It was exactly what several of you suggested - I had 'Inc' instead of 'Inc.' with the period. Found the exact formatting in the Georgia business entity search and the filing went through immediately. Thanks everyone for the help! That Certana verification tool definitely would have caught this right away.
Ravi Sharma
•Perfect! Those little details are exactly why the document verification exists. Saves so much time and frustration.
NebulaNomad
•Congrats on getting through Georgia's system. Now you know for next time!
Join the conversation
GalaxyGlider
Update: We ended up using the Certana tool mentioned earlier and it caught the issue immediately - we had 'Inc.' in our charter but were using 'Incorporated' on the UCC-1. Such a small thing but it was causing all the rejections. Factor accepted the filing within hours and we closed the facility on schedule. Thanks for the help everyone!
Perfect example of why precision matters so much with factoring deals. Congrats on getting it closed!
This is exactly why I love these forums. Real solutions from people who've been through the same problems.
Great outcome! For anyone else dealing with factoring UCC issues, remember that factors typically want their security interest to be first in line. Make sure you're not filing behind any existing liens that could complicate the priority position.
Omar Farouk
•True. Factors are very particular about lien priority. They want to make sure they're getting paid first from the receivables.
CosmicCadet
•And if there are existing liens, the factor might require subordination agreements or other documentation to protect their position.
Join the conversation
Tyler Murphy
One more thought - make sure you're not copying and pasting text from other documents into the portal forms. Sometimes hidden formatting characters cause weird submission errors. Type everything directly into the forms if possible.
Sara Unger
•Oh wow, that's such a specific tip but makes total sense. I bet that's caught a lot of people off guard.
Yes! I learned this the hard way. Now I always paste into Notepad first to strip formatting, then copy from there into the portal.
Freya Ross
For what it's worth, I've had good luck with the Certana tool mentioned earlier for double-checking everything before submission. Saved me from a couple of embarrassing filing mistakes that would have required amendments later. The peace of mind is worth it when you're dealing with important secured transactions.
Sergio Neal
•How does it work exactly? Do you upload PDFs or just enter the information manually?
Freya Ross
•You just upload the PDFs - like your original loan documents and the UCC form you're preparing. It automatically compares everything and flags any inconsistencies. Super easy to use.
Maya Patel
UPDATE: Tried the UCC search approach and found the issue! The system search shows the debtor name as 'Northeast Construction L.L.C.' with periods, which is different from both our charter and what I thought was on the original filing. Using that exact format with periods just got my continuation accepted. Thanks everyone for the suggestions!
0 coins
Emma Garcia
•Perfect example of why the search function is so useful for double-checking name formats. I'll remember that trick for future filings.
0 coins
Ava Kim
•Congrats on getting it resolved! This thread is going to be helpful for anyone else dealing with Maine's picky name formatting requirements.
0 coins
Ethan Anderson
This whole thread is a perfect example of why document verification tools are becoming essential for UCC work. I started using Certana.ai after similar headaches with multi-state filings, and it's been a game-changer for catching these exact formatting issues before they cause rejections. Just upload your docs and it instantly flags any inconsistencies.
0 coins
Layla Mendes
•I've heard good things about automated verification tools. Might be worth the investment given how much time these filing issues can waste.
0 coins
Lucas Notre-Dame
•Especially when you're dealing with multiple states that all have different quirks. Having a tool that can spot the formatting differences automatically would save so much frustration.
0 coins