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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.
Totally agree. Georgia's system lets you search with wildcards and partial matches. Alabama feels like it's stuck in 2010.
Right? And their mobile site is completely unusable. Try doing a UCC search on your phone in Alabama - it's a joke.
Justin Trejo
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.
Teresa Boyd
•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.
Alana Willis
•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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Omar Zaki
Just to add one more consideration - make sure you're checking both the current name and any predecessor names if there have been mergers or acquisitions. Sometimes old UCC filings stay under the predecessor entity name even after corporate changes.
Omar Zaki
•Definitely worth checking. Corporate changes can create a web of UCC filing complications.
Ava Martinez
•This is why I always request a complete corporate history from borrowers upfront. Saves time later.
Chloe Taylor
Update: I ended up using that Certana tool and it caught two name discrepancies I had missed in my manual searches. One UCC-1 had 'ABC Mfg, LLC' (with the comma) that wasn't showing up in my searches for 'ABC Manufacturing LLC'. Definitely worth the time savings and peace of mind for a deal this size.
Thanks for the update. Sounds like I need to give this a try on my next search.
StarSurfer
•Perfect timing on this recommendation. Really appreciate everyone's input on this thread.
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Don't overthink it. File the UCC3 termination with the exact debtor name from the original UCC1, reference the original file number, and you're done. The 20-day window gives you plenty of time.
Lucas Parker
•Thanks everyone! This has been really helpful. Going to file the UCC3 termination tomorrow morning.
Good luck! Should be straightforward now that you know what to do.
Rhett Bowman
Update us when it goes through! Always curious to hear how these turn out.
Lucas Parker
•Will do! I'll post back once I get confirmation that it's been processed.
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Isaiah Cross
Keep detailed records of everything from day one. And use broad but accurate collateral descriptions.
Kiara Greene
Make sure your filing system can easily match original filings to terminations. Organization is everything.
QuantumQueen
Just wanted to add that termination fees in Kentucky are also $18 now (used to be $15). Filed three terminations last month and that was the rate for each one.
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Aisha Rahman
•Good to know. So basically all UCC filing types are $18 now instead of the old $15 rate.
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Ethan Wilson
•Seems like they just added $3 across the board with that processing surcharge. At least it's consistent.
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Yuki Sato
For anyone doing regular Kentucky filings, I'd recommend calling their office and asking for a current fee schedule in writing. That way you have something official to reference instead of guessing based on what charges show up later.
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Andre Dubois
•I'll definitely do that before my next batch of filings. Thanks for the suggestion.
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Yara Khalil
•Great idea. I'll get an official fee schedule before proceeding with my 15-20 filings. This thread has been really helpful.
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