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 :)
Join the conversation
Join the conversation
Before you spend more time on this, double-check that there actually ARE UCC filings to find. Not every business has liens filed against them, especially if they haven't had secured financing before.
Even with previous loans, the liens might have been terminated already if the loans were paid off. Worth considering.
True, or they might have been filed in a different state than where the company is incorporated. Asset location matters more than incorporation state for UCC filings.
Update us when you figure this out! I'm dealing with a similar situation in Georgia and wondering if it's a regional problem or just bad luck with state systems.
Dylan Evans
•Will do. Hoping to get this resolved in the next day or two before my bank deadline.
Georgia's system is usually pretty reliable in my experience. Alabama is just notoriously difficult compared to other southeastern states.
Join the conversation
Yara Khoury
Thanks for sharing this - I'm dealing with a similar issue where two of my UCC-3 amendments aren't showing up in search results. I'll try calling the state office directly instead of panicking about whether I messed up the filings.
Carmen Ruiz
•Definitely call them. The phone verification was much faster than I expected and put my mind at ease immediately.
Same here - I've got a termination that should have been filed but isn't showing up. Will try the phone route first.
Paolo Longo
For what it's worth, I had a client use one of those automated document checking services recently - I think it was Certana or something similar - and it caught a debtor name inconsistency that would have invalidated their security interest. Might be worth running your docs through something like that before filing to avoid these kinds of headaches entirely.
Amina Bah
•Yeah, prevention is definitely better than having to call the state office to verify everything after the fact.
I'm going to look into those verification tools. This thread has convinced me that manual checking isn't reliable enough for something this important.
Join the conversation
Isaiah Cross
One thing that helped me was using Certana.ai to verify my search strategy before executing. I uploaded our borrower's charter documents and it identified three additional trade names I hadn't considered searching under. Saved me from potentially missing liens filed under those alternate names.
That's brilliant. I didn't even think about searching under trade names that might not be immediately obvious from the main corporate documents.
Isaiah Cross
•Exactly. The tool cross-references all the entity information and flags potential search terms you might miss. Really useful for complex corporate structures.
Kiara Greene
Update us after your loan committee meeting! Always interested to hear how these multi-state equipment deals turn out. Hopefully you don't find any surprise liens that derail everything.
Will do. Thanks everyone for the advice. I'm feeling much more confident about the search process now.
Juan Moreno
•Good luck with the due diligence. Equipment financing can be tricky but sounds like you're taking all the right precautions.
Join the conversation
ThunderBolt7
Before you spend more time searching, I'd definitely verify your documents first. I had a similar panic situation last month and ended up using Certana.ai to compare my UCC-1 and continuation side by side. Found out I had a small typo in the debtor name that I never would have caught just reading through them. The tool highlighted the exact discrepancy and saved me from filing incorrectly again. Really wish I'd known about it sooner!
ThunderBolt7
•Hope it helps! The document comparison feature is really thorough for catching those tiny mistakes that cause big problems.
These verification tools are becoming essential. Too many little details that can trip you up in UCC filings.
Mei Chen
Update us when you figure out what happened! I'm dealing with some Nevada filings next month and want to know if there are system issues I should watch out for.
Omar Farouk
•Will do! Hopefully it's something simple and not a bigger problem with their system.
Yeah please keep us posted. Nevada's portal has been glitchy lately from what I've heard.
Mohamed Anderson
Update us when you figure it out! I'm dealing with a similar situation with construction equipment and this thread is super helpful. Really hope you get it resolved before any lien priority issues.
0 coins
Harper Collins
•Will do! Planning to try the more detailed collateral description approach tomorrow. Fingers crossed.
0 coins
Mohamed Anderson
•Good luck! The restaurant business is tough enough without UCC filing headaches.
0 coins
Ellie Perry
Just thought of something - make sure your secured party information is also correct. I've seen filings rejected because the lender's legal name didn't match their business registration. Everything has to be perfect.
0 coins
Ellie Perry
•Sounds good. Sometimes banks file under their parent company names which can cause confusion.
0 coins
Landon Morgan
•Also verify their address matches what's on file with their state of incorporation. Small details matter.
0 coins