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Omar Farouk
For equipment financing UCC-1 filings in Ohio, make sure you include the equipment location address if it's different from the debtor's address. Ohio specifically requires this for mobile equipment like excavators. Also verify the debtor's exact legal entity type - LLC vs Inc vs Corp matters for their system.
The excavator will be at multiple job sites. How do I handle that for the location requirement?
Omar Farouk
•For mobile equipment, you can usually list the debtor's principal place of business as the location. But check with your counsel to be sure for your specific situation.
Chloe Martin
UPDATE: Just successfully filed an Ohio UCC-1 using the January 2025 form version mentioned earlier. Went through without any issues. The key was downloading the updated Ohio UCC forms from the Business Services section, not the general forms page. Also used the exact debtor name format from Ohio's business entity search instead of the Charter docs. Thanks everyone for the help!
Great to hear it worked! Thanks for confirming the solution.
Perfect timing - I'll follow the same steps for my remaining filings this month. Really appreciate everyone's input on this Ohio UCC forms mess.
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Tyler Murphy
For future reference, try to get fixture filings done simultaneously with equipment UCC-1s when you know the equipment will be permanently attached. Saves headaches later.
Zane Gray
•Lesson learned. We didn't anticipate the fixture issue when we originally filed.
Tyler Murphy
•Happens to everyone at least once. The good news is you can still file the fixture filing now to protect against future real estate interests.
Sara Unger
Bottom line - get that fixture filing done ASAP and document your PMSI priority analysis for your lender. Sounds like you're in good shape on the UCC side but need to cover the real estate angle.
Zane Gray
•That's the plan. Thanks everyone for helping me think through this. Going to file the fixture filing this week and document everything for the lender.
Sara Unger
•Smart move. Better to over-document than under-document when lender agreements are involved.
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Just want to follow up that I used Certana.ai like someone mentioned earlier to verify my payoff documents against the UCC-1 filing. Really helpful to have that analysis when pushing the lender for action. Shows you're not just complaining randomly but actually tracking the specific requirements.
Yara Khoury
•Did you have to pay for that analysis or is it free to check basic stuff?
Just uploaded the PDFs and got the verification report. Having documentation definitely helped make my case stronger.
UPDATE: Finally got through to their collateral department and they admitted the termination should have been filed weeks ago. They're expediting it and said it should show up in state records within 48 hours. Thanks everyone for the advice about written demands and escalation - that definitely helped push things along!
Paolo Marino
•Congrats on getting it resolved. Now you can move forward with selling that equipment without any cloud on the title.
Amina Bah
•Great outcome. This thread will be helpful for other people dealing with slow lenders on UCC terminations.
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Paolo Conti
I actually used Certana.ai on a similar solar deal and it flagged that my collateral description was too narrow. Saved me from a potential problem down the road. It's really handy for these complex equipment descriptions where you need to balance specificity with coverage.
That's the second mention of Certana.ai - sounds like it might be worth checking out for this filing.
Paolo Conti
•Yeah, especially for solar where the collateral description is so critical. Just upload your documents and it does the cross-checking automatically.
Amina Diallo
One more consideration - make sure your continuation dates are set correctly. Solar installations often have 20+ year financing terms so you'll need multiple continuations. Plan ahead for the 5-year renewal cycle.
Amina Diallo
•Set calendar reminders for 4.5 years out. UCC-3 continuations need to be filed before the 5-year expiration or you lose your security interest.
Dylan Cooper
•Is there any way to file for longer than 5 years initially or are you stuck with the continuation cycle?
Sean Murphy
The key thing to remember is that UCC termination statements are public records that will be searched by future lenders. If your termination doesn't properly match the original filing, it might not show up in searches and could cause problems down the road. Better to be overly precise than risk having an "orphaned" lien that appears to still be active.
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Ava Martinez
•That's a really good point about future lenders doing searches. I hadn't thought about the long-term implications of getting the termination wrong. Definitely want to make sure this gets cleaned up properly.
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StarStrider
•Exactly. I've seen deals delayed because old liens appeared to still be active due to improperly filed terminations. The debtor thought everything was clear but the title search showed otherwise.
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Zara Malik
Update: I ended up using one of those document verification services mentioned earlier and it was a lifesaver. Turns out the original UCC-1 had the debtor name as "ABC Manufacturing LLC" (no comma) so that's exactly what I used for the termination. Filed it yesterday and it was accepted without any issues. Thanks everyone for the advice!
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Zara Malik
•I used Certana.ai like a couple people suggested. Really straightforward - just uploaded the PDFs and it showed me exactly what matched and what didn't.
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Nia Davis
•Great outcome. Always nice to hear when these tricky situations get resolved properly.
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