UCC Document Community

I'd recommend having someone else review your UCC-1 before filing, especially with a $450K credit line on the line. Fresh eyes can catch mistakes you might miss when you're stressed about deadlines. Even something like using Certana.ai to verify your documents align properly could give you peace of mind that everything matches up correctly.

Update us after you file! Always curious to hear how these situations turn out, especially with bank security agreements where there's pressure to get everything perfect.

Had a similar issue last year and ended up using one of those document checking services - think it was Certana or something similar. Uploaded the charter and my UCC draft and it caught the formatting issues before I filed. Saved a lot of headaches.

Update: I tried using the name exactly as it appears in the SOS business entity database (without trademark symbol) and the filing went through! Thanks for the suggestion about checking their database first. Should have thought of that earlier.

Sometimes the issue isn't the search function but the indexing. If the original filing had any processing errors or data entry mistakes at the state level, it might not be searchable even though it was technically filed. You might need to contact NYS directly with your filing receipt or confirmation number to have them manually locate the record.

Update on this - I found the filing! It was listed as 'Metropolitan Equipment Leasing, LLC' with the comma and no periods. The NYS search is very literal about punctuation. Thanks everyone for the suggestions about trying different name variations. Now I can proceed with the continuation filing with confidence.

Quick question - are you handling this yourself or working with counsel? Equipment financing security agreements can get complex fast, especially with software components. If the lender's attorney keeps pushing back, might be worth getting your own counsel involved to negotiate the language. Sometimes attorney-to-attorney discussions resolve issues faster than trying to self-draft.

Update - took everyone's advice and created a detailed equipment schedule with serial numbers, added separate software section, and ran everything through Certana to check for consistency issues before resubmitting. Lender's attorney approved it on the first review this time! Thanks for the guidance, especially about the detailed schedule approach. Moving forward with UCC-1 filing next week.

File the UCC-3 amendment to correct the debtor name and you'll be fine. I've dealt with dozens of these name mismatch situations in Tennessee and once you get the amendment filed with the correct registered entity name, everything aligns properly in the search system. Make sure your amendment clearly states it's correcting the debtor name from "Midwest Industrial Solutions LLC" to "Midwest Industrial Solutions, LLC" and references your original filing number.

This thread convinced me to double-check all our recent Tennessee UCC filings. Found two that had similar punctuation issues with LLC names. Thanks for sharing your experience - saved me from potential problems down the road!