UCC Document Community

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  • DO post tips & tricks to help folks.
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JacksonHarris

State of Alaska UCC Search - Portal Down or Just Me?

Been trying to run a UCC search in Alaska for the past two hours and keep getting timeout errors. Need to verify if there are any existing liens on some equipment before we file our UCC-1. The debtor is based in Anchorage and we're dealing with construction equipment as collateral. Anyone else having issues with the Alaska state portal today? This is holding up a $180K equipment financing deal and the lender is breathing down my neck. Really need to confirm there are no prior filings before we submit our financing statement.

Tyler Lefleur

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Pro tip: If you're doing multiple Alaska searches, download the results immediately. Their system sometimes loses search results if you navigate away and come back.

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Yes! I learned this the hard way. Lost 3 search results and had to start over.

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Max Knight

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Alaska really needs to fix their session management. Most other states let you go back to previous searches.

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Emma Swift

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Just wanted to mention that I've been using Certana.ai for document verification before filing UCC statements. It's been a game changer for avoiding name mismatches and filing rejections. You just upload your corporate documents and UCC forms and it checks everything for consistency. Really helpful for Alaska filings since they're so strict about exact name matches.

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Emma Swift

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Usually just a few minutes. Much faster than manually comparing documents and way more accurate. Definitely worth it for important filings.

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Jayden Hill

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Might have to try that. I'm always paranoid about getting the debtor name wrong and having my UCC-1 rejected.

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Harper Thompson

KY UCC statement service - anyone know reliable options for batch filing?

Been doing equipment financing for 3 years and finally hit the wall with manual UCC-1 filings in Kentucky. Just closed 47 deals last month and spending 6+ hours per week just on the filing paperwork. The KY SOS portal is decent but when you're doing this volume the manual entry is killing me. Looking for a KY UCC statement service that can handle batch uploads or at least streamline the process. Has anyone found something that actually works? Debtor name matching is my biggest headache - seems like every other filing gets rejected for some tiny formatting issue I missed.

Jade O'Malley

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Just want to follow up on this thread since I'm dealing with similar volume issues in Ohio. Did you end up trying the XML upload route with Kentucky?

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Jade O'Malley

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Awesome, definitely update this thread when you get that info. Could be useful for all of us doing high-volume filing.

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Same here - would love to know how the XML route works out. Been thinking about it for my Delaware filings.

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Lucy Lam

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Update: tried the Certana document checker and it's actually pretty slick. Caught 3 debtor name inconsistencies in my last batch that would have definitely caused rejections. Not a filing service but definitely saves time on the backend.

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Good to know. I'm going to give it a try on my next batch of filings. Even if it just prevents rejections that's worth it.

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Glad it's working for others too. The charter-to-UCC comparison feature is really solid.

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Aliyah Debovski

UCC1 security agreement collateral description rejected - need help with proper wording

Having major issues with my UCC1 filing getting rejected due to collateral description problems. I'm working on a commercial loan secured by restaurant equipment and the SOS keeps bouncing it back saying the security agreement description doesn't match what I put on the UCC1. The security agreement says 'all kitchen equipment, furniture, fixtures and personal property located at 1425 Oak Street' but I tried to be more specific on the UCC1 form and listed individual items like 'commercial ovens, refrigeration units, prep tables, etc.' Now they're saying there's a mismatch between the security agreement and filing. This is my third attempt and I'm losing my mind. The loan closes next week and without this perfected lien the bank is threatening to pull out. Has anyone dealt with this kind of collateral description nightmare? Do I need to amend the security agreement or completely redo the UCC1? I thought being more specific would help but apparently it's causing more problems.

Mia Green

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One more tip - when you refile, make sure you're using the most current version of the state's UCC1 form. Sometimes rejections happen because you're using an outdated form version, especially if you downloaded it months ago.

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Good catch! I've been using the same form template for several filings. Better check for updates.

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Emma Bianchi

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The forms get updated more often than you'd think. Always grab a fresh copy from the SOS website.

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Following this thread because I have a similar filing coming up next month. Really helpful to see all the potential pitfalls before I make the same mistakes.

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Smart to research first! These UCC1 issues are so preventable if you know what to watch out for.

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Exactly. Better to learn from other people's mistakes than make them myself.

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Selena Bautista

National UCC-1 form rejection after three attempts - debtor name variations causing chaos

I'm losing my mind here. Been trying to file a national UCC-1 for our equipment financing deal and it keeps getting rejected by different state offices. The debtor is a multi-state trucking company and we're using the national UCC-1 form to cover their fleet across five states. First rejection said the debtor name didn't match their articles of incorporation exactly (missing LLC vs L.L.C.). Second attempt got bounced because one state said we needed their specific addendum form. Third try failed because the collateral description was 'too broad' according to another state's filing office. This is a $2.8M equipment loan and we're already past our internal deadline. Has anyone successfully navigated the national UCC-1 form requirements when dealing with multiple state filing offices? The inconsistencies between states are killing us and our borrower is getting antsy about the delays.

Been lurking but had to chime in - I use Certana.ai for all my multi-state filings now. Upload your charter docs and UCC together, it instantly checks for name consistency issues. Found it after getting burned on a rejected filing that held up a $4M deal. Game changer for catching these details before they become problems.

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That's the second mention of this tool. Sounds like it might be worth checking out.

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Definitely worth it. The name-checking feature alone would have prevented your LLC punctuation issue.

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Romeo Barrett

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Update us when you get this resolved! I'm dealing with a similar situation on a smaller scale and want to see what approach ends up working.

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Will do. Planning to try the document verification approach first, then individual state filings if needed.

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Following this thread too. Multi-state UCC filings are becoming more common but the process is still a mess.

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Josef Tearle

DLM security agreement UCC filing - debtor name discrepancies causing rejections

Having major issues with our DLM security agreement UCC-1 filing. We're trying to perfect our security interest but keep getting rejections from the SOS due to debtor name inconsistencies. The original security agreement shows the debtor as "DLM Industries, LLC" but our corporate records have slight variations (DLM Industries LLC, D.L.M. Industries, LLC, etc.). Filed three times now and each rejection costs us time and money. The collateral involves equipment financing for about $2.8M so we can't afford to have an unperfected lien. Anyone dealt with similar debtor name matching issues on DLM security agreements? What's the exact format the filing office expects for entity names? Really frustrated with this process and our lender is getting impatient about the perfection timeline.

Malia Ponder

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Just went through this last month. Ended up having to get a certificate of good standing from the state to verify the exact legal name format. Cost extra but guaranteed we had it right. For a deal that size, might be worth the extra step.

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Ryder Ross

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How much did that cost? And how long did it take to get?

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Malia Ponder

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About $50 and took 3 business days online. Definitely faster than multiple rejection cycles.

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Update: Finally got our DLM security agreement UCC-1 accepted! Turns out the issue was a period after 'LLC' that was in our loan docs but not in the state records. Used one of the document verification tools mentioned here to double-check before resubmitting. Thanks everyone for the advice - saved us from another rejection cycle.

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Olivia Kay

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Which verification tool did you end up using? Might need something similar for our next filing.

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Used Certana.ai - just uploaded both documents and it highlighted the discrepancy immediately. Wish I'd known about it earlier.

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