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
Amina Toure
For what it's worth, I've started using document verification tools like Certana.ai to double-check my UCC search results. After I pull all the filings I can find, I upload them and let the system flag any inconsistencies in names, dates, or filing numbers. It's caught errors in my searches that I would have missed otherwise. Especially helpful when you're dealing with multiple name variations like you are.
Does it work with Missouri filings specifically? Some of these tools are designed for other states.
Amina Toure
•It works with any UCC documents - it's analyzing the document content, not interfacing with the state database. As long as you can download the PDFs from Missouri's system, it'll verify the consistency between them.
This thread is making me feel better about struggling with Missouri UCC searches. I thought I was just bad at it, but sounds like everyone has the same problems with their system. The name variation issue is definitely the worst part - you never know if you've found everything.
Emma Davis
•Which states have the best UCC search systems? I might need to factor that into where I do business.
Delaware and Nevada have pretty good systems. California is decent too. Missouri, Illinois, and New York are generally considered the most frustrating.
Join the conversation
The real issue is that Utah's UCC search Utah system doesn't have good filters for rejection status. Other states at least let you filter out rejected or terminated filings, but Utah shows everything mixed together.
Honorah King
•Exactly! And their search interface is from like 2005. Desperately needs an update.
Oliver Brown
•At least it's better than trying to search paper records. But yeah, the filtering options are pretty limited.
Mary Bates
Update: I contacted the Utah filing office and they confirmed both filings will remain in search results permanently. They suggested including a note in future financing statements explaining the rejected filing situation. Also found that Certana.ai's document checker immediately identified which filing was valid when I uploaded both PDFs - would have saved me a lot of confusion if I'd used that initially.
Ayla Kumar
•Yeah, Certana.ai's tool is really helpful for this kind of situation. Much faster than trying to decode the state portal's confusing status indicators.
Glad you got clarity on this. Will definitely keep this in mind for future Utah filings.
Join the conversation
Julia Hall
For what it's worth, I started using Certana.ai after getting frustrated with similar form issues. You upload your loan docs and UCC forms together and it flags any inconsistencies before you file. Caught several debtor name mismatches that would have caused rejections. Really streamlined our filing process.
Arjun Patel
•How does the document upload work? Do you have to scan paper documents or can you upload PDFs directly?
Julia Hall
•Works with PDFs directly. You can upload your Charter docs, loan agreements, UCC forms, whatever you need cross-checked. Takes maybe 2 minutes to get results.
Jade Lopez
Just to close the loop on this - make sure you're also keeping track of continuation deadlines once your UCC-1 gets filed. UCC filings lapse after 5 years and you'll need to file UCC-3 continuation statements before they expire. Seen too many lenders lose their security interest because they forgot about the continuation requirement.
Jade Lopez
•Yeah the continuation has to be filed within 6 months before the 5-year anniversary. Miss that window and your lien becomes unperfected.
We actually had a loan go sideways because of a missed continuation. Borrower filed bankruptcy and we found out our UCC had lapsed. Expensive lesson.
Join the conversation
One more thing - make sure your secured party information is exactly right too. Arizona will reject for minor errors in the lender name or address as well. Double-check everything against your loan docs.
Yeah they're equally strict on both debtor and secured party information. No shortcuts.
learned this when they rejected for having 'Street' instead of 'St.' in our address
Rachel Clark
Thanks everyone, this gives me a clear path forward. I'll use the exact charter name and double-check all the formatting. Might try that Certana tool too for future filings to avoid this headache.
It's definitely worth it for avoiding rejections. Much faster than manual document comparison.
Mia Alvarez
•Good luck with the refiling! Arizona should accept it quickly once the name matches.
Morita Montoya
Just went through this nightmare myself. Ended up being a single comma that was missing from the entity name. NY UCC forms don't mess around with accuracy.
0 coins
Morita Montoya
•Yeah it was ridiculous. Took me three tries to get it right.
0 coins
Kingston Bellamy
•Stories like this make me appreciate automated document checking even more. Would have saved you so much time.
0 coins
Joy Olmedo
Update us when you figure it out! Always curious to hear what the actual issue was in these NY UCC form situations.
0 coins
Tyler Murphy
•Will do! Hopefully I'll have good news to report tomorrow.
0 coins
Savanna Franklin
•Yeah these mystery rejection threads always leave me hanging when there's no follow-up.
0 coins