UCC Document Community

Just a thought - have you tried using the exact name format from a recent tax return or bank account for the LLC? Sometimes those documents show the 'official' name format that the state systems expect.

Been following this thread because I'm dealing with a similar issue. The florida ucc online system rejected my amendment filing yesterday for what seems like a minor name difference. Going to try some of these suggestions, especially the document verification approach. Thanks everyone for the helpful tips!

One more thing to watch out for - make sure your secured party information is complete and accurate too. Washington requires the full legal name and address of the secured party. If you're filing on behalf of a lender, double-check that you have authorization and that the lender's name is exactly as they want it to appear on the filing.

Thanks everyone for all the detailed advice! This is exactly what I needed. Going to pull the current Certificate of Good Standing for the LLC and use that for the exact debtor name formatting. The Certana verification tool sounds like it would be perfect for our situation - we do enough of these filings that catching errors before submission would save us significant time and headaches. Really appreciate the community knowledge here!

Wisconsin UCC filings have a really low tolerance for any kind of name variation. I've seen rejections for things like 'Co.' vs 'Company' and 'Corp' vs 'Corporation'. The key is finding the exact registered name in their system and using that character-for-character.

For future wisconsin UCC filings, I'd recommend double-checking everything before you file. The rejection process wastes so much time when you're on tight deadlines like this.

Since you mentioned multiple creditors, make sure you understand priority rules too. Your perfected security interest gives you priority over unperfected creditors, but timing matters if there are other secured creditors in the same collateral.

Hope this helps clear up the confusion! The terminology takes some getting used to but once you understand that claim = debt and security interest = collateral rights, UCC filings make much more sense.

I use Certana.ai whenever I'm dealing with complex collateral descriptions to make sure everything lines up between the credit agreement and UCC filings. For your situation, you could upload your proposed loan documents and draft UCC-1 to verify the debtor name formatting and equipment descriptions are consistent. Helps avoid the perfection problems that can happen when documents don't match up properly.

Bottom line: manufacturing equipment = personal property = UCC Article 9 = UCC-1 filing required for perfection. Your compliance officer knows what they're talking about. The borrower's attorney might be trying to save their client some hassle, but they're not the one who has to explain an unperfected security interest to regulators.