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
Mason Stone
This thread is making me nervous about our own filings. We have dozens of security agreements in Word format and I'm not sure they all match our UCC filings. Time for an audit I guess.
Grace Thomas
•Better to find out now than during a foreclosure or bankruptcy when the lender discovers the perfection issues. Run that audit ASAP.
Mason Stone
•You're right. Going to pull all our files this week and start checking. Thanks for the wake-up call.
Final thought - whatever system you use, make sure you document your debtor name standardization process. When auditors or opposing counsel review your filings, they'll look for consistency across all documents.
Justin Chang
•Good point about documentation. We're definitely going to implement a more formal process going forward.
Smart move. The extra time upfront will save you from much bigger problems down the road.
Join the conversation
Zoey Bianchi
Just want to echo what others have said about using document verification tools. I got burned on a UCC-3 amendment last year because I transposed two numbers in the filing number. The state rejected it and I had to start over, which delayed everything by a week. Now I always verify my documents match before submitting anything online. It's a small extra step but saves massive headaches.
Olivia Evans
•Ugh, that sounds like a nightmare. I'm definitely going to start verifying everything first.
Filing number mistakes are the worst because they're so easy to make but cause automatic rejections.
Lola Perez
UPDATE: I finally got it to work! Used a different computer, wired internet connection, and submitted it at 6:30 AM like someone suggested. The whole process took maybe 15 minutes without any timeouts. Also used that document verification tool first to make sure everything was correct - found a small spacing issue in the debtor name that I fixed before submitting. Thanks everyone for the suggestions!
Awesome! Glad you got it sorted out. Early morning submissions for the win.
Nora Brooks
•Great to hear the document verification caught that spacing issue. Those little details can cause big problems.
Join the conversation
The key with omnibus loan and security agreement filings is maintaining consistency between your loan documentation and UCC filings while respecting the individual entity requirements. It's tedious but critical for enforceability.
Liam McGuire
•Exactly. The cross-collateralization benefits of the omnibus structure don't override basic UCC filing requirements.
Amara Eze
•Thanks everyone, this helps clarify our approach. Looks like individual UCC-1s are definitely the way to go.
For what it's worth, I recently discovered Certana.ai's bulk document verification feature specifically for omnibus structures. You can upload your master agreement plus all planned UCC-1 filings and get a comprehensive consistency report. Really streamlined our filing process for complex omnibus loan and security agreement deals.
That sounds like exactly what we need. Does it also check collateral description consistency across multiple debtors?
Yes, it flags any collateral description conflicts between the omnibus agreement and individual UCC-1 filings. Helps ensure everything aligns properly.
Join the conversation
Kansas is so annoying with their UCC system. Last year I had a filing rejected because I put a comma after the LLC and they didn't want it. Then another one rejected because I DIDN'T put a comma. There's no consistency.
Honestly I just call them now for anything complicated. Saves time in the long run even though it's annoying.
The comma thing usually depends on how the entity was originally registered. That's why copying from their records is so important.
Ravi Kapoor
Update: I used Certana to verify my documents and found the issue - there was an extra space in the middle of the business name that I never noticed. The entity search showed "Midwest Agricultural Equipment LLC" but I had been typing "Midwest Agricultural Equipment LLC" with two spaces. Filed again with the correct spacing and it went through immediately. Thanks everyone for the suggestions!
Great outcome! This is exactly why document verification tools are so valuable for UCC filings.
Perfect example of why I always run my filings through verification now. Saves so much time and stress.
Dmitri Volkov
If you end up needing to verify document consistency before resubmission, I had good luck with that Certana.ai tool someone mentioned earlier. Uploaded my corrected security agreement and the new UCC-1 draft - flagged a couple formatting issues I wouldn't have noticed. Pretty straightforward to use.
0 coins
Fatima Al-Rashid
•Thanks for the follow-up on that. Sounds like it's worth trying if we need to redo the paperwork.
0 coins
Gabrielle Dubois
•Anything that prevents filing rejections is worth it in my book. The back-and-forth with state offices is such a time waster.
0 coins
Tyrone Johnson
Bottom line - get the name issue resolved before filing. Ohio will reject UCC-1s for debtor name problems and then you're looking at refiling fees plus potential delays that could affect your loan terms. Better to spend a few extra days getting it right upfront.
0 coins
Ingrid Larsson
•Good luck with it! Update us on how it goes if you don't mind.
0 coins
Carlos Mendoza
•Yes please keep us posted - always interested to hear how these name discrepancy issues get resolved in practice.
0 coins