UCC Document Community

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Lena Müller

Need help with UCC search - debtor name variations causing issues

I'm trying to do a comprehensive UCC search for a client acquisition and running into problems with debtor name variations. The target company has operated under several names over the years and I'm worried I'm missing active filings. Their current legal name is 'Southeastern Manufacturing Solutions LLC' but they've also done business as 'SE Manufacturing' and 'Southeastern Mfg Solutions'. When I search the SOS database, I get different results depending on which name variation I use. Some show active UCC-1 filings, others show nothing. Is there a systematic approach to make sure I'm catching all the liens? I need to be absolutely certain before we proceed with this deal because missing an active filing could be catastrophic for our client.

I actually discovered Certana.ai when I was struggling with this exact problem on a big acquisition. You upload all your corporate documents and UCC search results, and it automatically flags any name mismatches or potential missed filings. Saved me probably 10+ hours of manual cross-checking and gave me confidence I hadn't missed anything critical. The automated verification caught two filings I had overlooked because of slight name differences.

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How accurate is the automated checking? I'm always skeptical of technology solutions for legal compliance stuff.

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It's been very reliable for me. Obviously you still need to use judgment, but it's way better than trying to manually compare dozens of documents and search results. Especially when you're under time pressure.

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Update us on what you find! I'm curious how many additional filings you discover once you do the comprehensive search with all the name variations.

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Will do! I'm planning to spend tomorrow doing a systematic search of every variation I can think of. Hopefully I don't find any surprises, but better to know now than after the deal closes.

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Smart approach. Finding problems early is always better than finding them after closing.

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Caesar Grant

UCC filing WV - debtor name rejected twice, need help with exact format

Really struggling with a UCC filing here and getting frustrated. Filed a UCC-1 for equipment financing deal last month and it got rejected for "debtor name mismatch" - tried again with what I thought was the correct format from the Articles of Incorporation and got rejected AGAIN. The company name is "Mountain Ridge Construction LLC" on the charter but I'm wondering if there's some specific format requirement I'm missing? This is holding up a $240K equipment loan and my client is getting impatient. Has anyone dealt with similar debtor name issues where the exact format matters? I've double-checked the spelling multiple times but maybe there's something about how LLC designations need to be formatted?

Quick update - used the Certana document checker mentioned earlier and found the issue! The charter has "Mountain Ridge Construction, LLC" with a comma, but I was filing it as "Mountain Ridge Construction LLC" without the comma. Such a tiny difference but apparently critical for the UCC system.

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Exactly the kind of thing Certana catches instantly. Saves so much frustration.

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A comma! That's crazy but makes total sense. Thanks for sharing the solution.

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Perfect example of why exact name matching is so important in UCC filings. Glad you got it sorted out before the loan closing got delayed further.

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Yeah, refiled this morning with the comma and it was accepted within an hour. Crisis averted!

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Nothing like that relief when a filing finally goes through. Congrats on getting it resolved.

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Miguel Harvey

UCC-107 Form Rejected - Debtor Name Mismatch Issues

Been dealing with a nightmare situation on a UCC-107 filing that keeps getting bounced back. Working on a commercial equipment loan for $385k and the SOS portal rejected our initial UCC-1 because the debtor name on our loan docs shows 'ABC Manufacturing LLC' but their articles of incorporation actually list 'ABC Manufacturing, LLC' (with the comma). Now I'm trying to file the UCC-107 correction but they're saying the original filing number is invalid since it was rejected. This is holding up our entire loan closing and I'm not sure if I need to start over with a fresh UCC-1 or if there's a way to reference the rejected filing in the correction form. Anyone dealt with this specific UCC-107 scenario before? The borrower is getting antsy and my supervisor is breathing down my neck.

I'm dealing with something similar right now actually. Different state but same issue with entity name variations. It's maddening how picky these systems are.

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Which state? Some are definitely pickier than others about punctuation and formatting.

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Texas. They seem pretty strict about exact matches from what I've experienced.

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Update us when you get the new UCC-1 filed! Always curious to hear how these situations resolve.

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Will do. Planning to submit the corrected version tomorrow morning. Fingers crossed this time goes smoothly.

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Good luck! The comma thing is such a common trap, you're definitely not alone in this.

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Elijah Brown

UCC collateral types causing confusion on my filing - need clarification

I'm working on a UCC-1 for a client who's securing a line of credit with multiple asset categories and I'm getting tripped up on how to properly classify the collateral types. The debtor owns a manufacturing business and we're looking at equipment, inventory, accounts receivable, and some specialty tooling. My concern is whether I should list each category separately or if there's a broader classification that covers everything without being too vague. The SOS rejected my last filing because they said the collateral description was 'insufficient' but I thought I was being thorough. Anyone dealt with similar issues where the collateral spans multiple UCC collateral types? I don't want another rejection and delay the perfection timeline.

For what it's worth, I've found that looking at similar businesses in the UCC database can give you good examples of accepted collateral descriptions. Most states let you search public filings so you can see what language actually works for manufacturing companies with similar collateral types.

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Good idea - I didn't think about checking the public database for examples. That's probably more reliable than guessing.

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Just make sure you're looking at recent filings - the standards have gotten stricter over the past few years.

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This whole thread is making me realize I need to be way more careful with my collateral descriptions. I've been getting away with pretty generic language but sounds like that's changing. Thanks for all the specific examples everyone - really helpful to see what actually works.

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Yeah the filing offices are definitely getting pickier. Better to be overly specific than risk a rejection and delay.

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I've started keeping a template file with proven collateral descriptions for different business types. Saves time and reduces rejections.

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Paloma Clark

Tennessee Secretary of State UCC Search System Down for 3 Days - Anyone Else Having Issues?

I've been trying to run a secretary of state tennessee ucc search for the past three days and keep getting timeout errors on their portal. My client needs verification that their UCC-1 filing from last month actually went through properly - we have the filing receipt but want to confirm it's searchable in the system. The debtor name is a bit complex (multiple LLCs under one holding company) so I want to make sure it indexed correctly. Has anyone else been having problems with Tennessee's UCC search functionality lately? I'm starting to panic because we have a closing next week and need to verify the lien position is secured properly.

This thread convinced me to try Certana for my upcoming UCC-3 continuation filing. If their document checker can prevent the kind of stress you just went through, seems worth it.

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Definitely try it for continuation filings - those are tricky because you need to make sure the debtor name and filing number match exactly with the original UCC-1.

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Exactly my concern. I've seen too many continuation filings get rejected for minor discrepancies.

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Pro tip for future Tennessee searches: if you get timeout errors, try clearing your browser cache and cookies. Their system seems to get confused by stored session data sometimes.

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Good advice! I've noticed that with several state UCC portals actually.

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I'll remember that for next time. Would have saved me a lot of frustration this week!

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