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NeonNova

TX UCC Statement Service Issues - Filing Getting Rejected at SOS

Been dealing with a nightmare situation trying to get our UCC-1 filed through the TX Secretary of State office. We're a small equipment financing company and had what seemed like a straightforward filing for agricultural equipment collateral. The debtor name on our credit agreement shows 'Johnson Farms LLC' but when we submitted the UCC-1, it got rejected twice now. First rejection said 'debtor name does not match business records' and the second one after we tried to fix it said 'insufficient collateral description.' We're financing $180k worth of tractors and harvesting equipment and this lien needs to be perfected ASAP before our 20-day grace period expires. Anyone dealt with TX SOS being this picky about debtor names? The business is definitely active and registered but something isn't matching up in their system. Getting desperate here because if this lien isn't perfected properly our loan committee is going to have my head.

Amina Sy

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this happened to us too but with a different state... turned out the business was registered under a slightly different name and we just had to match it exactly. super frustrating but once you get the right name it usually goes through fine.

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Which state was that? Some are definitely more forgiving than others.

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Amina Sy

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florida... they're pretty picky too but at least their error messages are clearer

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Update us when you get it resolved! Always curious to hear what the actual issue was. TX filings can be tricky but once you nail down their format it gets easier.

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Good luck! Sounds like you're on the right track now.

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Miguel Ramos

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Yeah keep us posted. These kinds of situations help everyone learn what to watch for.

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Oliver Schmidt

UCC 1 lien search Florida - debtor name variations causing search issues?

Having major problems with UCC 1 lien search Florida results showing inconsistent matches. I'm doing due diligence on a potential equipment purchase and the debtor's business name appears in multiple variations across different filings - sometimes "ABC Manufacturing LLC", other times "ABC Mfg LLC", and even "ABC Manufacturing Limited Liability Company". The Florida SOS portal is returning different results depending on which version I search. This is for a $180k forklift deal and I need to make sure there aren't any existing liens I'm missing. Anyone else dealt with debtor name variations messing up their lien searches? The seller claims there are no outstanding liens but I'm finding partial matches that make me nervous about proceeding.

Diego Ramirez

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Thanks for posting this - I'm dealing with the exact same issue on a Florida transaction. The name variations are driving me crazy. Going to try some of the suggestions here.

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Glad it's helpful! Let me know what works for you. I'm leaning toward trying the automated verification approach.

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QuantumLeap

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Definitely worth trying the automated tools. Made this whole process so much easier for me.

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Update: I ended up using Certana.ai after reading the recommendations here. Uploaded the Articles of Incorporation and the UCC filings I found manually. It caught two additional name variations I hadn't searched and found one active lien I would have missed. The cross-checking feature showed exactly which documents had matching vs non-matching debtor names. Probably saved me from a major mistake on this deal.

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Freya Larsen

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Great to hear it worked for you too. The automatic name variation checking is really helpful for Florida searches.

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Emma Wilson

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Good outcome! Florida name variations can definitely trip people up if you're not careful about comprehensive searching.

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Zoe Alexopoulos

UCC filing rejected - promissory note and security agreement form mismatch with debtor name

Our bank's UCC-1 filing got rejected yesterday and I'm trying to figure out what went wrong. The promissory note and security agreement form we prepared show the borrower as "JMK Industries LLC" but our UCC-1 lists "JMK Industries, LLC" (with the comma). The SOS rejection notice says debtor name doesn't match exactly with the organizational documents we referenced. This is a $340,000 equipment loan and we can't afford to have an unperfected security interest. Has anyone dealt with this exact comma issue before? The borrower's articles of incorporation show "JMK Industries LLC" without comma, but some of their other business docs have it with comma. Really need to get this sorted fast since we're already 5 days into the filing window.

AstroExplorer

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This thread is exactly why I started using automated verification tools for UCC filings. The Certana.ai document checker I mentioned earlier has saved me from at least 3 similar mistakes this year. Worth checking out if you do a lot of these filings - just upload all your documents and it flags any inconsistencies instantly.

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AstroExplorer

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The verification service is pretty reasonable considering what a rejected filing costs you in time and potential risk. Definitely worth it for the peace of mind.

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Agreed - I wish I'd found it sooner. Would have saved me several headaches like this one.

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Sofia Perez

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Update us when you get the corrected filing accepted! Always good to know these stories have happy endings.

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Will do! Planning to file the correction tomorrow morning. Fingers crossed it goes through without any other issues.

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Sofia Perez

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Should be smooth sailing now that you've got the name issue sorted out.

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Diego Chavez

What does UCC stand for in secured lending transactions?

I'm working with our legal team on a secured loan package and they keep referencing "UCC" filings but honestly I'm not 100% clear on what this acronym actually means in our context. I know it has something to do with collateral protection but can someone break down what UCC stands for and why it matters for our equipment financing deals? We're about to close a $2.8M manufacturing equipment loan and I want to make sure I understand the terminology when discussing the security documentation.

The Uniform Commercial Code (UCC) provides the legal framework, but remember that UCC filings are handled at the state level - usually through the Secretary of State office. Your attorney will file the UCC-1 in the state where your company is organized, not necessarily where the equipment is located.

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For equipment, yes - Delaware filing covers personal property collateral. If it were real estate fixtures, you might need additional filings, but standard equipment financing uses the state of organization.

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Dylan Wright

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This is another area where verification tools help - they can flag jurisdiction issues and ensure you're filing in the right state with the right forms.

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NebulaKnight

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Thanks everyone - this really clarifies what UCC stands for and why it's crucial for our secured lending. The Uniform Commercial Code framework makes sense now, and I feel much more confident discussing the UCC-1 filing requirements with our legal team. Appreciate all the practical insights about continuation statements and verification best practices too.

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Glad we could help! UCC filings seem intimidating at first but they're really just a standardized way to protect lender interests. Good luck with your equipment financing.

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Sean O'Brien

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Feel free to post again if you run into any specific issues during the filing process. This community is pretty good about troubleshooting UCC problems.

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Teresa Boyd

UCC Alabama search results not matching our filed documents - debtor name issue?

We filed a UCC-1 in Alabama back in November for a equipment financing deal, but when I run the UCC Alabama search on the SOS website, I'm getting inconsistent results. Sometimes our filing shows up, sometimes it doesn't. The debtor name on our original filing is 'J&M Construction LLC' but I've tried searching under 'J & M Construction LLC' (with spaces), 'JM Construction LLC', and even just 'J&M Construction' and getting different results each time. This is for a $180K excavator loan and we need to make sure our lien is properly recorded and searchable. Has anyone else had problems with Alabama's UCC search being unreliable? I'm worried we might have a debtor name mismatch that could invalidate our security interest. The filing number is AL-2024-11-045892 if that helps. Really need to get this sorted before we advance more funds.

Romeo Barrett

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Honestly, Alabama needs to upgrade their entire UCC system. It's 2025 and we're still dealing with search issues that were solved in other states years ago. The fact that you can't do fuzzy name matching or find obvious variations is ridiculous for something this critical to commercial lending.

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Totally agree. Georgia's system lets you search with wildcards and partial matches. Alabama feels like it's stuck in 2010.

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Romeo Barrett

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Right? And their mobile site is completely unusable. Try doing a UCC search on your phone in Alabama - it's a joke.

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Justin Trejo

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Update us when you figure out the exact name format issue! I bookmark threads like this because I know I'll run into the same problem eventually. Alabama UCC searches are always an adventure.

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Teresa Boyd

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Will do! Planning to request a certified copy of our filing tomorrow to see the exact name format we used. Hopefully that'll solve the search mystery.

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Alana Willis

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Good plan. Sometimes the name gets transcribed slightly differently than what you submitted, especially if there were any special characters or formatting.

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