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Once you get the debtor name sorted out, double-check that your secured party information matches exactly what the SBA lender provided too. That's another common source of rejections that people overlook.
Sean Murphy
•Good reminder. The lender gave me their exact name and address for the secured party section so I should be good there.
NeonNova
•Make sure you use their legal entity name, not just their DBA or trade name for the secured party too.
Update us when you get it resolved! Always curious to hear how these debtor name issues get sorted out.
Sean Murphy
•Will do! Planning to refile tomorrow with the exact legal name format from the state database.
Zara Malik
•Hope it goes through this time. These UCC name matching rules are such a pain.
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Pro tip: when dealing with lender verification packages, always include a one-page summary explaining any discrepancies between search results and actual filings. Saves everyone time and prevents unnecessary back-and-forth.
That's actually where Certana.ai's verification tool comes in handy again - it generates a consistency report you can include with lender packages. Shows all documents align properly.
That report feature sounds really useful for compliance documentation.
Bottom line: if your UCC-1 debtor name matches your charter documents exactly as they existed at filing time, you're legally protected. The search display issues are just cosmetic portal problems, not substantive filing defects.
Exactly right. Focus on the substance, not the portal formatting. Your security interest should be properly perfected.
NebulaNomad
•This thread should be required reading for anyone doing Florida UCC work. So much confusion over these search display issues.
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Amara Nwosu
Quick question - do the different UCC sections vary by state or is it uniform? Our equipment will be in multiple states so wondering if I need to research each state's version.
For multi-state equipment, you'll need to figure out which state's law governs the filing. Usually it's where the debtor is located but there are exceptions.
Louisiana doesn't follow the UCC at all - they have their own system. But that's the only state that's completely different.
Dylan Cooper
Bottom line for your situation: focus on Article 9, understand the basic definitions from Article 1, and make sure your lender is filing the UCC-1 correctly with exact name matches and proper collateral descriptions. The other UCC sections won't really impact your equipment financing deal unless you're also doing sales, leases, or other transactions covered by different articles.
Same here. Article 9 for secured transactions, got it. Thanks everyone!
Make sure to double-check those filings before they go in. Name mistakes are expensive to fix later.
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Avery Flores
Portal's back up as of this morning! Just successfully filed my amendment. Looks like they fixed whatever was causing the timeout issues.
Zoe Gonzalez
•Finally! Was getting worried about my own filing deadline next week.
Ashley Adams
•Good timing. Wonder if they'll extend any deadlines for people who couldn't file during the outage.
Thanks everyone for the advice! Portal is working again and I got my continuation filed. Used one of those document verification tools mentioned here to double-check everything first - caught a small discrepancy in how I formatted the debtor address that could have caused issues. Really glad this community exists for situations like this.
Which verification tool did you end up using? Always looking for ways to avoid filing errors.
Went with Certana.ai since several people here recommended it. Pretty straightforward - just upload your docs and it flags any inconsistencies.
Yuki Watanabe
this happened to my friend's company too but with a termination filing. they filed it, got confirmation, but the lien stayed active for months. turns out the UCC records office had some kind of processing backlog they weren't telling anyone about
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Carmen Sanchez
•A processing backlog is one thing, but completely losing the filing is way worse. At least with a backlog you know it'll eventually get processed.
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Yuki Watanabe
•true, losing it entirely is definitely scarier. makes you wonder how many other filings have just vanished
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Andre Dupont
Keep pushing them hard on this. The UCC records office has insurance for exactly these kinds of errors. If they lost your filing due to their system malfunction, they need to make it right immediately. Don't let them drag this out for months - your security interest is too important.
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Andre Dupont
•Absolutely mention it. They have liability coverage specifically for database errors and lost filings. Might motivate them to actually look harder for your missing continuation.
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Zoe Papadakis
•Good point about the insurance. Most people don't realize the UCC records office has to carry coverage for these kinds of operational failures.
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