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This thread convinced me to check that document verification service mentioned earlier. Just ran my UCC-3 through Certana.ai and it caught a small discrepancy in how I abbreviated the debtor's business name compared to the original UCC-1. Would have definitely caused a rejection. Thanks for the tip!
That's exactly the kind of mistake that's easy to make when you're rushing to meet a deadline. Good catch!
Glad it helped! Those small naming inconsistencies are surprisingly common and can really mess up your filing.
Ethan Brown
Final update from me - portal finally worked around 6 PM today. Successfully submitted my UCC-3 continuation and got the confirmation number. Took about 3 minutes once the system was actually functioning. For anyone still having issues, maybe try during off-peak hours like early morning or evening. Thanks everyone for the advice and suggestions!
Carmen Ruiz
•Congrats on getting it filed! Nothing worse than the stress of a pending deadline with technical problems.
Good reminder to always build in buffer time for these filings. Technology fails when you need it most.
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Whatever you do, don't let this drag on too long. I missed a continuation deadline once because I got stuck in a similar loop of rejections. Set a hard deadline for yourself to get this resolved.
Freya Larsen
•Good advice. I have about 10 days left so I need to figure this out fast. Thanks for the reminder about the time pressure.
Mei Wong
•Yes definitely don't let perfect be the enemy of good enough. Get something filed even if you have to amend later.
Update: I got the Certificate of Good Standing and found the issue! There was actually a hyphen in "Advanced-Manufacturing" that wasn't showing up in the online search. Filed again with the correct name and it went through immediately. Thanks everyone for the help - especially the suggestion about using Certana to double-check the documents. That tool is going in my permanent toolkit.
Omar Hassan
•Nice catch on the hyphen. These little details make all the difference in UCC filings.
Nia Johnson
•Finally some good news! Congrats on getting it sorted out. Massachusetts owes you a refund for the stress lol
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Also make sure you're filing the continuation well before the 5-year mark if this is a long-term SBA loan. Set a reminder for year 4 so you don't accidentally let the UCC lapse. SBA gets really unhappy about unperfected security interests.
Emma Johnson
•Do you need to notify SBA when you file the continuation or do they not care as long as it's done?
Usually just need to keep your files updated. They care that it's done but don't need notification unless they ask.
Liam Brown
One last check - verify that the LLC is in good standing with the Illinois Secretary of State before filing. SBA sometimes requires current certificates of good standing and you want everything to align. A lapsed LLC status could complicate the entire loan process.
Liam Brown
•Yes, Illinois has an online business entity search. You can verify status and get certificates there.
Noah Lee
•This thread has been incredibly helpful. Thanks for all the detailed advice everyone!
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StarSurfer
Been doing UCC searches for 15 years and FL is definitely one of the more challenging states for name variations. My advice is to err on the side of caution - assume any similar name could be the same entity until you can prove otherwise. Better safe than sorry with lien priority.
StarSurfer
•It really is. Some states are more forgiving with search matching but FL requires pretty exact name matches in my experience.
Carmen Reyes
•Agree completely. FL and TX seem to be the pickiest about exact name formatting in my experience.
Andre Moreau
Update us on what you find! I'm curious how this turns out since I deal with FL UCC searches regularly and always struggle with the name variation issue.
Will do! I'm going to try some of the suggestions here and see if I can get a complete picture of existing liens.
Yeah definitely interested to hear the resolution. This is such a common problem but there's not a lot of good guidance out there.
Ella rollingthunder87
Update us when you find out what happened! I'm dealing with a similar situation in Texas and curious if it's a widespread issue with state filing systems right now.
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Eli Butler
•Will do! Going to try calling first thing tomorrow morning and see if I can get some answers.
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Yara Campbell
Pro tip: always keep screenshots of your filing submission page and payment confirmation. If there's ever a dispute about timing or whether you filed properly, that documentation can save you. I learned this the hard way after a filing got lost in their system.
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Isaac Wright
•Great advice. I always save PDFs of everything now after getting burned once.
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Maya Diaz
•Same here. I also started using that Certana.ai service to double-check everything before filing. Upload your docs and it verifies all the details match up correctly. Much better than finding out about problems weeks later.
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