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Hawaii UCC-1 form rejected twice - debtor name formatting issues
We've had our Hawaii UCC-1 form rejected twice now and I'm pulling my hair out. The first rejection said 'debtor name does not match exactly' but we copied it straight from the articles of incorporation. Second time we tried using the exact name from the state business registry and got rejected again for 'insufficient debtor name information.' The collateral is pretty straightforward - restaurant equipment and fixtures for a $340K SBA loan. Has anyone dealt with Hawaii's specific requirements for debtor names on UCC-1 filings? The loan docs need to close next week and we're running out of time. The debtor is an LLC formed in Hawaii last year.
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NY SOS UCC filing rejected twice - debtor name format issue?
Has anyone dealt with NY SOS UCC filing rejections over debtor name formatting? I've had two UCC-1 filings rejected now and I'm starting to panic. The debtor is "ABC Manufacturing Solutions, LLC" according to their articles of incorporation, but I'm wondering if I need to drop the "LLC" suffix or if there's some other NY-specific rule I'm missing? The collateral is equipment and fixtures for a restaurant buildout loan, and my client is getting antsy about the lien not being perfected yet. First rejection said "debtor name does not match Secretary of State records" but when I search their business name it comes up exactly as I have it. Second time I tried adding the state of incorporation (Delaware) but that got rejected too. This is for a $180k equipment loan and I really can't afford another mistake. Any NY SOS veterans have insight?
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One more thing - make sure you're filing the UCC-1 in the right state. Since your debtor is a Delaware LLC, the filing should go to Delaware, not NY, unless they're registered to do business in NY or the collateral is located in NY. Equipment and fixtures usually follow the location of the collateral.
For fixtures, definitely NY since they're attached to the NY real estate. For equipment, it depends on where it's primarily located and used. If it's primarily at the NY restaurant, NY is correct.
This is getting into complex multi-state filing territory. You might want to consider filing in both states to be safe, especially with that loan amount.
For multi-state filing decisions, Certana.ai actually has a workflow that helps determine which states you need to file in based on debtor location, collateral location, and entity type. Might be worth checking before you file multiple UCC-1s unnecessarily.
That sounds useful. I always err on the side of filing in multiple states but it gets expensive with filing fees.
UCC-1 Filing Prep - Need Security Agreement Sample Contracts for Equipment Loan Collateral Description
I'm working on a UCC-1 filing for equipment financing and struggling with the collateral description section. Our lender wants me to reference the security agreement sample contracts but I'm not sure how detailed to get in the UCC filing itself. The equipment includes manufacturing machinery, forklifts, and office equipment totaling about $475K. Do I need to list every serial number in the UCC-1 or can I use broader language like "all equipment described in Security Agreement dated [date]"? Also wondering if anyone has good security agreement sample contracts they've used for similar equipment deals. The SOS portal keeps rejecting my filings and I think it's because my collateral description is either too vague or too specific. Any guidance on striking the right balance would be huge.
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Been lurking here but had to comment - just went through this exact situation with manufacturing equipment financing. My advice: get security agreement sample contracts from your industry association if possible. Equipment financing docs can be really industry-specific and generic forms miss important details. Also consider whether you need fixture filings if any equipment will be attached to real estate.
If the equipment becomes part of the real estate (permanently attached), you might need a fixture filing in addition to the regular UCC. Check with someone who knows your state's fixture rules.
Fixture filings are a whole different animal - definitely get help with that if you think you need one.
Last thought on security agreement sample contracts - make sure whatever template you use includes proper default and enforcement provisions. I've seen deals where the UCC was perfect but the security agreement was missing key language for equipment repossession or sale. The documents work together so both need to be solid.
That's where document verification tools like Certana.ai really help - catches those matching issues before they become problems. Worth checking both docs against each other.
Absolutely - consistency between all your loan documents is critical for enforceability.
Hawaii UCC search showing wrong debtor info - filing verification needed
Running into a weird situation with a UCC search I just pulled. The debtor name on our UCC-1 filing shows as 'Pacific Ventures LLC' but when I search the Hawaii UCC database, it's coming back as 'Pacific Ventures, LLC' with a comma. Our loan docs and the business registration both show it without the comma. This is for a $400K equipment loan and I'm worried we might have a perfection issue. Has anyone dealt with Hawaii's system being picky about punctuation in debtor names? The filing number is valid but this name discrepancy has me concerned about whether our security interest is actually perfected.
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For what it's worth, I had a similar issue resolve itself when Hawaii updated their system last month. The search was showing inconsistent formatting but the actual filing was correct all along. Might be worth waiting a few days to see if it corrects itself.
Totally understand with that loan amount. Better to be proactive than reactive with UCC perfection issues.
System glitches happen but you're right to not risk it. I use document verification tools now to catch these discrepancies upfront - saves time and worry later.
UPDATE: Just checked my Hawaii filings from last week and I'm seeing similar search result inconsistencies. Might be a broader system issue they're working on. Still, better to verify and amend if needed rather than assume it's just a display problem.
Thanks for checking! That makes me feel a bit better that it might be systemic, but you're right - I'll still verify and amend if necessary. Can't take chances with perfection.
Exactly right approach. Even if it's a system display issue, having the correct debtor name on file is what matters for your security interest.
UCC 116 filing continuation deadline approaching - need urgent advice
My UCC-1 financing statement is coming up on its 5-year expiration and I need to file a UCC 116 continuation but I'm getting conflicting information about the timing. The original filing was in March 2020 and I know I have a window before it lapses but some sources say 6 months before expiration, others say within the last year. I've been handling all our company's secured transactions myself and this is my first continuation filing. The debtor is still active and we definitely need to maintain our security interest in the equipment. Has anyone dealt with UCC 116 continuation timing requirements recently? I'm worried about missing the window and losing our perfected status.
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Might be overkill but I always do a UCC search on the debtor right before filing a continuation just to make sure there haven't been any other filings that might affect my collateral position. Helps me sleep better at night.
Not overkill at all! That's actually really smart. You want to know what else is out there before you commit to another 5 years.
I hadn't thought of that but it makes sense. I'll run a search before I file. Better to know about any other liens or filings now.
Update: Just wanted to thank everyone for the advice. I used Certana.ai to verify my continuation form against the original UCC-1 - found a small typo in the debtor name that I would have missed. Filed the corrected continuation yesterday and got confirmation today. Really appreciate this community!
Congratulations on getting it filed! Now you're good for another 5 years. The debtor name accuracy is so critical - one small error can invalidate the whole thing.
Thanks everyone. This was way less stressful with all your guidance. I'll definitely be more prepared for the next continuation in 2030!
Dana Doyle
For what it's worth, I started using a document verification service after getting burned by similar name mismatch issues. Certana.ai caught a debtor name discrepancy between my loan docs and UCC-1 that would have definitely caused a rejection. Just upload your PDFs and it flags any inconsistencies.
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Liam Duke
How does that tool work exactly? Does it integrate with the state filing systems?
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Dana Doyle
You just upload your charter documents and UCC forms as PDFs and it automatically cross-checks all the names, dates, and key details to make sure everything aligns. No integration needed - it's all document-based verification.
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Manny Lark
This thread is giving me flashbacks to my own Hawaii UCC nightmare from last year. Took four tries to get the debtor name right. Hope you get it sorted before your closing deadline!
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Laila Prince
AuthorThanks! Fingers crossed the third time will be the charm.
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Rita Jacobs
Keep us posted on what finally works. These Hawaii UCC threads always help other people dealing with the same issues.
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