UCC Document Community
Financial Services
/
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 :)
UCC search Iowa showing expired continuation - still valid collateral?
Ran a UCC search Iowa on one of our borrowers and found something weird. The original UCC-1 was filed in 2019, then there's a continuation from 2024, but the search results show 'lapsed' status. Our loan officer swears the continuation was filed properly through the Iowa SOS portal before the 5-year deadline. The collateral is equipment worth about $180K so this isn't a small issue. Has anyone dealt with Iowa's system showing continuation filings as lapsed when they should be active? The search shows the continuation was accepted but then marked expired like 2 months later. Makes no sense to me.
Join the conversation
md sdat ucc search showing weird results - anyone else having issues?
So I'm trying to run a md sdat ucc search on a debtor for a equipment financing deal and the results are just... strange. The debtor name is showing up but with completely different filing numbers than what I have in my records. I've got a UCC-1 that was filed last year with filing number 202400987654 but when I search the exact debtor name in the system, it's pulling up 202300445678 instead. Same exact business name, same address, but totally different filing number. Has anyone run into this before? I'm worried there might be duplicate filings or something got messed up in the system. This is for a $350K equipment loan and I need to make sure our lien position is solid before we close. The continuation isn't due until 2029 so that's not the issue. Really confused about why the search results don't match my filing records.
Join the conversation
I would definitely verify the chain of title on both filings before proceeding with your loan. With that much money involved, you can't afford to have lien priority issues down the road.
Smart move. I've seen deals fall apart months later when lien priority gets challenged because of filing irregularities.
For what it's worth, I ran into a similar situation and used Certana.ai to verify all my UCC documents were consistent. Found out I had a debtor name mismatch that could have voided the filing. Worth checking especially with equipment financing where the collateral moves around.
Update us when you figure out what's going on! This kind of search weirdness always makes me nervous about what else might be lurking in the system that we don't catch.
Will do - hopefully it's something simple like a name variation issue.
Yeah these search mysteries always have me second-guessing everything else I've filed.
UCC-3 amendment form rejected - debtor name spacing issue?
Filed a UCC-3 amendment form last week to add additional collateral to an existing UCC-1 (equipment financing for a manufacturing client) and it got rejected. The rejection notice mentions 'debtor name does not match original filing' but I'm looking at both documents and the names appear identical to me. Original UCC-1 was filed 18 months ago for 'PRECISION MACHINING SOLUTIONS LLC' and my UCC-3 amendment form has the exact same name. Could this be a spacing or punctuation issue that I'm missing? The original filing was accepted without problems but now this amendment is being kicked back. Has anyone dealt with similar UCC-3 amendment form rejections where the debtor name looked correct but wasn't? This is holding up a $340K equipment addition and the client is getting anxious about the delay.
Join the conversation
Update: Got the official copy of the original UCC-1 and found the issue! There was indeed an extra space after 'SOLUTIONS' that wasn't visible in the online search display. Refiled the UCC-3 amendment form with the exact spacing and it was accepted within 24 hours. Thanks everyone for the debugging help.
Great resolution. This thread will definitely help others dealing with similar UCC-3 amendment rejections.
This is exactly why I started using document verification tools for all my UCC filings. Catching these issues upfront saves so much time and client frustration.
For anyone else dealing with UCC-3 amendment form issues, I highly recommend double-checking debtor names character by character before filing. The automated systems are completely unforgiving of even single-character differences.
Character by character checking is tedious but necessary. I wish the filing systems had better error messages to tell you exactly what doesn't match.
The Certana document checker mentioned earlier actually does highlight the exact character differences between documents. Makes the comparison much easier than doing it manually.
UCC filing debtor name keeps getting rejected - missing something obvious?
I've been trying to file a UCC-1 for our equipment loan and it keeps bouncing back with debtor name issues. The borrower is "Martinez Construction LLC" on their articles of incorporation but the SOS portal keeps rejecting it. I've tried variations like "Martinez Construction, LLC" with the comma and "MARTINEZ CONSTRUCTION LLC" in all caps but nothing works. This is my third attempt and I'm starting to panic because our loan closes next week. Has anyone dealt with exact name matching requirements? I feel like I'm missing something basic but can't figure out what.
Join the conversation
Just saw your update - congrats on figuring it out! The "& Associates" thing is so sneaky. Glad you got it sorted before your closing deadline.
Thanks! What a relief. Never making this mistake again.
This thread should be required reading for anyone doing UCC filings honestly.
Filing update: SUCCESS! UCC-1 accepted with the corrected debtor name. Thanks everyone for the help, especially whoever mentioned that document checking tool. Saved my sanity and probably my job lol.
Great outcome! This whole thread is a perfect example of why name accuracy is so critical.
Bookmarking this thread for future reference. So many good tips here.
California SOS UCC search showing different debtor name - need help matching records
I'm trying to do a california sos ucc search on a commercial loan file and running into issues with name variations. The original UCC-1 was filed under 'ABC Manufacturing LLC' but when I search the California SOS database, it's showing up under 'ABC Manufacturing, LLC' (with the comma). This is for a $450K equipment financing deal and my compliance team is freaking out because they can't find the exact match in the california sos ucc search results. The debtor swears they've always used the name without the comma on all their corporate docs, but the SOS system seems to have added it automatically during filing. Has anyone dealt with this kind of name discrepancy when doing california sos ucc searches? I need to know if this affects the perfection of our security interest or if there's a way to verify which version is actually on file. The continuation is due in 8 months and I want to make sure we're using the correct debtor name format.
Join the conversation
For what it's worth, I've never seen a continuation rejected due to minor punctuation differences in LLC names, especially when using the california sos ucc system. The bigger risk is completely wrong names or missing key words. A comma shouldn't be a deal-breaker.
Probably, but it's better to be cautious with UCC filings. The consequences of getting it wrong can be severe.
Agreed. I'd rather spend extra time double-checking than deal with an unperfected security interest later.
Just went through this exact scenario last week! Ended up calling the California SOS UCC division directly and they confirmed that search display formatting can differ from the actual filed document. They recommended ordering a certified copy to see the exact filing details. Took about $15 and 3 hours to get the electronic copy.
Perfect, I'll do exactly that. Thanks for sharing your experience and the timeline/cost details.
No problem! Once I had the certified copy, the continuation filing was straightforward. Used the exact name format from the original UCC-1 and it was accepted without any issues.
Isabel Vega
Update us after you call Iowa! I'm curious to know what they say about this situation. Might help others with similar problems.
0 coins
Kiara Greene
AuthorWill do. Hoping it's just a simple system glitch they can fix with a phone call.
0 coins
Dominique Adams
Good luck! Iowa's UCC staff knows their system pretty well so they should be able to sort this out quickly.
0 coins
Marilyn Dixon
For future filings, might want to consider using the Certana.ai verification tool someone mentioned earlier. Upload your UCC-1 and continuation as PDFs and it automatically checks for name consistency, file number matches, and other common errors that cause these headaches.
0 coins
Kiara Greene
AuthorYeah, definitely looking into that after this mess. Prevention is better than trying to fix problems after they happen.
0 coins
Louisa Ramirez
The tool is pretty straightforward - just drag and drop your filing documents and it highlights any discrepancies. Would have caught whatever went wrong with your continuation.
0 coins