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Kendrick Webb

UCC search TX showing different debtor names - which one is correct for continuation?

I'm preparing a UCC-3 continuation for a client and ran into something confusing when I did a UCC search TX. The original UCC-1 from 2020 shows the debtor as "ABC Manufacturing LLC" but when I search the TX Secretary of State database, I'm seeing variations like "ABC Manufacturing, LLC" (with comma) and "A.B.C. Manufacturing LLC" on different records. The filing I need to continue expires in March so I can't mess this up. Has anyone dealt with debtor name variations in Texas filings? I'm worried about getting the continuation rejected if I don't match exactly what's on file. The collateral is equipment so this is critical for our security interest.

The search variations you're seeing might be from different filings against the same debtor. Each UCC-1 could have slightly different name formats even for the same company. You need to match YOUR specific filing, not what other creditors used.

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Good point. Companies sometimes file under slightly different names depending on when they incorporated or amended their articles.

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This is why cross-referencing with the Secretary of State corporate records is helpful too. Shows you the official entity name versus what might be on UCC filings.

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Update us when you figure out the correct name format! I deal with Texas UCC filings regularly and always interested in hearing how these name matching issues get resolved.

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Will do! Going to try the document verification approach first since several people recommended it. Seems faster than waiting for official copies.

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Smart choice. Better to catch name issues before filing than deal with rejection delays when you're up against expiration deadlines.

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Miles Hammonds

UCC filing rejected - debtor location discrepancy causing issues

Our UCC-1 filing got rejected twice now and I'm pulling my hair out. The rejection notice says there's an issue with the debtor location but I can't figure out what's wrong. We have a commercial borrower with their principal place of business in Texas, but they're incorporated in Delaware. I put Texas as the debtor location since that's where they actually operate, but the SOS system keeps bouncing it back. The collateral is equipment located at their Texas facility. This is for a $340,000 equipment loan and we need to get this perfected ASAP. Has anyone dealt with this kind of location issue before? I thought you use the place where the debtor conducts business but now I'm second-guessing everything.

Update us when you refile! I'm curious if switching to Delaware resolves the rejection issue.

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Will do. Planning to refile tomorrow morning with Delaware as the location and the exact corporate name from their certificate.

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Smart move. Delaware UCC system is usually pretty quick to process too.

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Just wanted to add - once you get this sorted out, remember that if the debtor ever reincorporates in a different state, you'll need to file a UCC-3 continuation in the new state before the original filing lapses. Location changes can affect where your security interest is perfected.

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Good reminder. I've seen lenders get caught off guard when their borrowers reincorporate elsewhere.

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Exactly why it's important to monitor your borrowers' corporate status, not just their financial condition.

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Luca Ricci

UCC Article 9 farm products collateral description rejected - need help with specificity

Filed a UCC-1 last month for a grain elevator loan secured by farm products and got rejected twice. The SOS keeps saying my collateral description is too vague but I thought 'all farm products' was acceptable under Article 9. The debtor is a corn and soybean operation in Iowa with seasonal inventory that changes constantly. My description was: 'All farm products including but not limited to crops, livestock, and products of crops or livestock whether existing now or acquired hereafter.' Second attempt used 'All farm products as defined in UCC Article 9-102(a)(34) including growing crops, livestock, and products thereof.' Still rejected. The loan is for $2.8M and we need this perfected before harvest season. Anyone dealt with similar farm products filing issues? What level of specificity are they actually looking for?

Try adding geographic limitations if appropriate. 'All farm products located on real property described as [legal description] and all other locations where Debtor conducts farming operations.' Helps with the identification requirement.

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But be careful with location restrictions if they farm multiple properties or lease ground. You don't want to accidentally exclude collateral.

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Right, better to be over-inclusive than miss something. 'All locations now or hereafter used by Debtor for farming operations' covers expansion.

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Final thought - if you're still having issues after trying these suggestions, consider calling Iowa SOS directly. Sometimes they'll give specific guidance on what they're looking for in farm products descriptions. They'd rather help you get it right than keep rejecting filings.

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Good luck! Farm products can be frustrating but once you get the language right it's usually smooth sailing.

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Definitely post an update. Other people will run into this same issue with Iowa's new requirements.

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Peyton Clarke

UCC filing nebraska - debtor name variations causing rejections

Having issues with multiple UCC filings getting rejected in nebraska. Filed three UCC-1s last month for equipment financing deals and two came back rejected for 'debtor name discrepancies.' The charter documents show 'Midwest Agricultural Solutions LLC' but I filed using 'Midwest Ag Solutions LLC' thinking the abbreviation would be fine. Secretary of State office says exact match required but their portal doesn't give clear guidance on acceptable variations. Need to refile these before the financing deadlines hit. Anyone dealt with similar name matching issues? The collateral schedules are solid but these name rejections are killing our timeline.

For future reference, I always keep a checklist for Nebraska filings: exact debtor name from current charter, proper collateral descriptions, correct filing fees, and valid addresses. Saves me from most rejections. Also started using Certana's PDF checker after getting burned on a big commercial deal - uploads your documents and flags inconsistencies instantly.

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Yeah, systematic approach prevents most issues. The automated checking tools just add another layer of protection.

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Checklists are great until you get complacent and skip steps. Ask me how I know...

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Update us when you get the corrected filings back! Always curious how quick the turnaround is when everything's done right the first time.

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Will do. Planning to file tomorrow morning with the corrected names.

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Good luck! Should be smooth sailing with the right debtor names.

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Malik Thomas

Ilien UCC filing keeps getting rejected - debtor name verification issues

Having major problems with a UCC-1 filing that keeps bouncing back from the SOS office. The debtor entity has 'Ilien' in the business name and I've triple-checked everything but still getting rejection notices about debtor name inconsistencies. This is for a $2.8M equipment financing deal and we're running up against our perfection deadline. I've tried variations of the name formatting but nothing seems to work. Has anyone dealt with similar Ilien UCC name verification problems? The charter documents show one version but the tax records show slightly different formatting. Really need to get this perfected before our lender agreement expires next week.

Just had a similar situation last month with an entity that had formatting inconsistencies. Turned out the issue was with how they handled ampersands vs. 'and' in the business name. Might be worth checking if Ilien has any similar connector words.

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Good point about connector words. There are some 'and' vs '&' variations in the full entity name that I should double-check.

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Punctuation and connector words are huge trip-ups. I always create a spreadsheet with every possible variation before filing now.

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Update us when you get it resolved! These Ilien UCC name verification issues seem to be more common lately and it would help to know what finally worked.

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Looking forward to hearing what worked. These name matching problems are such a pain but there's usually a solution once you find the right format.

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Yes please update! And if you end up using any verification tools, let us know how they worked out. Always looking for ways to avoid these rejected filing headaches.

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