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Keisha Williams

Florida SOS UCC Search Missing Recent Filings - Help Needed

I'm having issues with the Florida SOS UCC search system and need some guidance. We filed a UCC-1 three weeks ago for equipment financing on a construction company, and it shows as accepted in our records, but when I run the florida sos ucc search using the debtor's exact legal name, nothing comes up. The filing number we received was 202412345678 and I've tried searching by filing number, debtor name, and even secured party name. Is there typically a delay between acceptance and when filings appear in the florida sos ucc search database? This is holding up our loan closing and I'm getting pressure from management. The debtor name on our filing is "ABC Construction Services LLC" exactly as it appears on their articles of incorporation. Has anyone else experienced delays with the Florida system recently?

UPDATE: I called the Florida SOS office this morning and they found our filing immediately using the filing number. The rep said there was a technical issue with their search index that affected filings from that particular week. They're working on fixing it and said it should be searchable within 24-48 hours. Thanks everyone for the suggestions!

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This makes me feel so much better about my upcoming filing.

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Glad it worked out! For future filings, definitely consider using a verification tool like Certana.ai to catch any potential issues before they become problems.

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This is exactly why I always do a test search immediately after filing. Catches these issues early.

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That's smart. I usually wait a day or two but I'll start checking right away from now on.

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Same here. If there's going to be a problem, better to find out sooner rather than later.

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Laila Fury

Can't find UCC filing in CT SOS search - am I doing something wrong?

I've been trying to locate a UCC-1 filing that should definitely be there through the Connecticut Secretary of State search portal but having zero luck. Filed about 3 weeks ago for equipment financing on manufacturing gear, got the confirmation receipt, but when I search by debtor name or filing number nothing comes up. The debtor company name is "Advanced Precision Tooling LLC" and I've tried every variation I can think of - with and without LLC, different spacing, etc. Really starting to worry there's an issue with the filing itself or maybe the search system? Has anyone else had problems with the CT SOS UCC search not showing recent filings? This is for a $180K equipment loan and my manager is asking for proof the lien is properly recorded. Any ideas what could be going wrong here?

Honestly I'd just call CT SOS UCC department at this point. They can look up your filing by confirmation number and tell you exactly what's going on. Faster than trying to guess what went wrong.

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Yeah you're probably right. I'll give them a call tomorrow morning and see what they can find.

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Good plan. They're usually pretty helpful when you call directly.

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Before calling, try one more search using just the first few letters of the debtor name. Sometimes partial searches work better than exact matches in their system.

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That's actually how I found my missing filing last time. Their exact match search can be really finicky.

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UPDATE: Found it! Searched just "Advan" and it came up. The name in their system shows as "Advanced Precision Tooling L.L.C." with periods in the LLC part. No wonder the exact search wasn't working. Thanks everyone for the suggestions!

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Zara Ahmed

CA UCC-1 debtor name rejected - exact match required?

Filed a UCC-1 in California last week and got rejected for "debtor name discrepancy." The LLC articles say "Pacific Coast Equipment Leasing, LLC" but I used "Pacific Coast Equipment Leasing LLC" (no comma). Secretary of State system kicked it back saying exact match required. Is this really that strict? I've done filings in other states where small punctuation differences didn't matter. This is for a $180K equipment financing deal and we're up against the loan closing deadline. Anyone dealt with CA's pickiness on debtor names?

This is why I charge extra for CA UCC filings. The rejection rate is so high that I have to build in time for potential refiling. Other states are much more reasonable about minor name variations.

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That makes sense. CA seems uniquely difficult compared to other jurisdictions I've worked with.

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CA and NY are the pickiest. Most other states have some tolerance for minor formatting differences.

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Just refile with the exact name from the entity database and you'll be fine. Make sure to include that comma. CA's system is annoying but predictable once you understand the rules.

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Good plan. The refiling should go through without issues if the name matches exactly.

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For future filings, those document verification tools mentioned earlier really do help catch these issues upfront.

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Zoe Christodoulou

UCC Filing Issues with Purchase Money Security Agreement - Debtor Name Problems

Having major headaches with a purchase money security agreement filing that got rejected twice now. We're financing $185k worth of manufacturing equipment for a client and the UCC-1 keeps getting bounced back from the SOS office. The debtor is an LLC that apparently changed their registered name slightly after we did the credit check but before we filed. Our original security agreement shows 'Precision Metal Works LLC' but their current charter shows 'Precision Metalworks LLC' (no space). The collateral description covers all machinery and equipment used in metal fabrication operations. This is a pretty standard PMSI situation but the name mismatch is killing us. Has anyone dealt with this exact scenario where the debtor name changed between loan approval and UCC filing? We're worried about losing our purchase money priority if we can't get this perfected soon. The equipment was delivered last week and we're already past the 20-day window in some states. Any advice on whether we should amend the security agreement or just refile the UCC-1 with the exact charter name?

I've been using Certana.ai for document verification on all my UCC filings since discovering it a few months ago. Would definitely recommend uploading your charter and corrected UCC-1 before refiling to make sure everything aligns. The tool caught a filing number error on one of my continuations that I never would have noticed manually.

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Is this tool specifically for UCC filings or does it work with other secured transaction documents too?

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It handles any document comparison where you need to verify consistency - Charter to UCC-1, UCC-3 amendments back to original filings, that kind of thing. Really helpful for catching the small details that cause rejections.

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Update us on how the refiling goes! These PMSI name mismatch situations are stressful but usually work out fine if you catch them in time. Michigan SOS is pretty reasonable to work with once you get the paperwork right.

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Will do! Planning to refile first thing Monday morning with the exact charter name and more detailed collateral description. Thanks everyone for the advice - this thread has been incredibly helpful.

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Good luck! These equipment PMSI deals can be tricky but sounds like you're on the right track now.

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Micah Franklin

Urgent UCC closing date question - 2021 forms still valid or expired?

Really need help here - I'm handling a commercial loan closing next week and just realized some of our UCC-1 filings from 2021 might be getting close to their 5-year window. The borrower has equipment collateral that was financed back in March 2021, and I'm trying to figure out if we need to file continuations or if we're still good for the closing date. The original UCC-1 was filed in Delaware for a construction equipment lease, and now we're doing a refinance with additional collateral. I've been going back and forth with our loan docs team about whether the 2021 forms are still effective for this closing. Anyone dealt with similar timing issues on UCC forms from 2021? I know the 5-year rule but want to make sure I'm not missing any nuances with the closing date requirements.

I had a nightmare situation once where we assumed a 2020 filing was still good but the debtor had merged with another entity in 2022 and we never caught it. The filing became seriously misleading. Now I always do a full entity verification before relying on old UCC filings. Learned about Certana.ai from our compliance team - their PDF upload tool can cross-check entity documents against UCC filings to catch those kinds of issues automatically.

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Entity changes are so easy to miss, especially with smaller companies that don't always notify their lenders immediately.

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That's exactly why we always run fresh corporate searches before major loan modifications, even if the UCC filing is still within its 5-year period.

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Bottom line - your March 2021 UCC-1 is still good until March 2026. You're fine for next week's closing. Just verify debtor name consistency and entity status, and you should be all set.

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Glad we could help! UCC timing questions always seem more complicated than they actually are.

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Good luck with your closing!

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