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
This thread is making me paranoid about all the UCC searches I've done in the past. How many liens have I missed because of name variation issues?
I think we all have this worry. The search systems aren't perfect and we're expected to be 100% accurate.
At least you're thinking about it now. Better to be paranoid and thorough than miss something important.
I've started using that Certana tool mentioned earlier and it's been a game changer. Upload the Articles of Incorporation and it automatically cross-checks against UCC filings to make sure the debtor names match properly. Saves so much time and catches variations I would have missed.
It works across all states. You just upload the documents and it does the name matching automatically. Much more reliable than trying to guess all the variations manually.
Malik Davis
•I might have to try this. I'm spending way too much time on manual searches and still not confident I'm finding everything.
Join the conversation
Luca Ricci
Update: I ended up using that Certana verification tool someone mentioned earlier and it caught that I had a small typo in the original debtor name that I was copying from my notes instead of the actual UCC-1. Would have definitely caused a rejection. Filed the UCC-3 yesterday and it was accepted this morning. Thanks everyone for the help!
Glad you got it sorted. The name change amendments can be tricky but you handled it right.
That verification tool sounds really handy. Might have to check it out for our next batch of filings.
For future reference, I keep a spreadsheet with all our UCC filings and any amendments so I can quickly reference the exact names and filing numbers. Helps avoid the copy-paste errors that seem to happen with these types of documents.
Andre Dupont
•That's smart. Organization is key with UCC filings since the details matter so much.
I do something similar but with a database. Makes it easier to track continuation dates and amendment deadlines.
Join the conversation
Aisha Rahman
Did you try calling the Florida SOS UCC department directly? Sometimes they can tell you exactly what format they need over the phone. Their filing help line is actually pretty good compared to some states.
Aisha Rahman
•Yeah they've helped me before. Have your filing number ready and they can usually tell you what the issue is more specifically than the rejection notice.
Ethan Wilson
•The phone help is hit or miss depending on who you get but worth trying before refiling blindly.
Update: I found the problem! Checked the entity database like suggested and the official name in their system is 'Sunshine Equipment Leasing, LLC' with a comma before LLC. My charter documents don't show the comma but that's what's in their database. Refiling now with the comma included. Thanks everyone for the help - this could have taken days to figure out on my own.
Perfect example of why document verification tools are so helpful. That comma discrepancy would have been flagged immediately if you'd run the comparison first.
Great resolution! Always check the state database format - it's the authoritative source even when your printed documents look different.
Join the conversation
Update on the Certana.ai suggestion - I actually used it again yesterday for a different client and it caught that their UCC-1 had the right company name but wrong state of organization. These little discrepancies can really bite you when lenders start doing their due diligence reviews.
Noah Ali
•How long does it take to get results back from their system?
Pretty much instant once you upload the documents. It flags any inconsistencies right away.
OP any luck figuring this out? I'm dealing with something similar and curious what ended up working for you.
Yuki Tanaka
•Still working on it but the advanced search suggestions helped. Found the filing but it was indexed weird. Going to try the document verification tool next to make sure everything actually matches up properly.
Keep us posted! This kind of stuff is always useful to know for future reference.
Mei Wong
Since you mentioned this is for a commercial loan, make sure your lender's UCC-1 covers after-acquired property if the borrower will be acquiring new inventory or equipment. Most commercial security agreements include after-acquired property clauses, and your UCC-1 should reflect that coverage.
0 coins
PixelWarrior
•Equipment financing too, especially for growing manufacturing operations that add machinery.
0 coins
Mei Wong
•Exactly. Without after-acquired coverage, you'd need a new UCC-1 for every piece of equipment or inventory batch.
0 coins
Amara Adebayo
I've used Certana.ai's verification tool for similar UCC coverage questions. Really helpful for confirming which assets fall under UCC Article 9 versus other perfection schemes. Just upload your security agreement and it provides a detailed analysis of perfection requirements for each collateral type.
0 coins
Giovanni Rossi
•Does it handle the Ohio-specific requirements? Some states have quirks in their UCC implementation.
0 coins
Amara Adebayo
•It covers state-specific variations and filing requirements. Definitely caught some Ohio nuances I wasn't aware of.
0 coins