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Bottom line - use the exact name from your Washington articles of incorporation. No variations, no shortcuts. The automated system will reject anything that doesn't match perfectly.
Perfect. That should get you through without any issues. Good luck with your closing!
Mei Chen
•Agreed - when in doubt, go with the official state record. Can't argue with that.
CosmicCadet
Update us on how it goes! Always curious to hear about successful Washington UCC-1 filings since they can be tricky.
CosmicCadet
•Smart timing. Thursday submission gives you a buffer day if needed.
Good luck! Hope everything processes smoothly for your closing.
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Zara Rashid
Whatever you do, keep detailed records of what you've filed and the confirmation numbers. You'll need this for your audit trail and to track which ones are successfully filed vs rejected.
Luca Romano
•Excel is fine for tracking but make sure you back it up. I've seen people lose their tracking spreadsheets and then not remember which filings were completed.
Nia Jackson
•Google Sheets might be better for this since it auto-saves and you can access it from anywhere. Plus multiple people can work on it if needed.
NebulaNova
I just finished a similar project with 220 continuations. The biggest time-saver was using document verification software to make sure all my debtor names matched exactly before filing. Saved me from about 30 rejections based on name mismatches. The Certana.ai tool was a lifesaver for this.
That's a great success story. How long did the whole process take you with 220 filings?
Aisha Khan
•About 6 weeks from start to finish, but I was only working on it a few hours a day. The verification step upfront saved me weeks of dealing with rejections and refiling.
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warehouse inventory financing is tricky because the collateral is constantly changing hands. Make sure your UCC-1 covers future inventory acquisitions too, not just what's currently in the warehouse when you file.
Good catch. Should the collateral description include "after-acquired inventory" language specifically?
Yes, definitely include after-acquired property language since warehouse inventory turns over frequently. Standard collateral description templates usually cover this.
Maya Lewis
You'll get through this. Warehouse lien rejections for name issues are super common but easily fixable once you use the exact state database formatting. The key is acting fast since your inventory security depends on proper UCC perfection.
Lucy Taylor
•Better strict requirements than ambiguous security interests. Your lender will appreciate the properly perfected warehouse lien once it's filed correctly.
Exactly. And with automated verification tools like Certana.ai now available, there's really no excuse for name format errors on UCC filings anymore.
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Don't forget about purchase money security interest rules if you're providing financing for the consigned goods. PMSI has super-priority over other inventory liens, but only if you perfect and notify properly.
Romeo Quest
•We're not financing the goods, just consigning them. Does PMSI still apply?
Not directly, but if you're allowing payment terms after delivery, that could create financing elements. Worth discussing with your attorney.
Had issues with state-specific variations in Article 9 implementation. Most states follow the uniform version, but some have modifications that affect consignment filings. Make sure you're checking the actual statutes in each filing state, not just relying on general Article 9 knowledge.
Unfortunately yes. The differences are usually minor but can be crucial for perfection.
Sienna Gomez
•Most Secretary of State websites have UCC guides that highlight state-specific requirements. Start there for your research.
Sadie Benitez
Make sure you get a UCC-3 termination filed when you pay off the loan. Leftover filings can create confusion for future lenders even though they don't hurt your score.
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Sadie Benitez
•It should be automatic but follow up. Some lenders are slow to file terminations.
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Joy Olmedo
•Put it in writing when you make your final payment. Creates a paper trail if they forget.
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Drew Hathaway
Focus on making your loan payments on time rather than worrying about the UCC filing. Payment history affects credit scores way more than public filings do.
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Kingston Bellamy
•You're right, I should channel this energy into making sure we never miss a payment.
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Drew Hathaway
•Exactly. The UCC-1 is just paperwork, your payment performance is what really matters.
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