UCC Document Community

One thing that helped me with California UCC searches - try searching with just the first few words of the debtor name. Sometimes if there's a formatting issue later in the name, a shorter search will still find it.

UPDATE: Finally found the UCC-1 filing! It was filed under 'A.B.C. Manufacturing, LLC' with periods after each letter and a comma before LLC. No wonder our searches weren't working. Thanks everyone for the suggestions, especially about trying different formatting variations.

Just wanted to follow up on this because I disputed a similar service fee with Texas last month and actually got it reversed. If you can document that the service wasn't explicitly requested and wasn't clearly disclosed during the filing process, they'll sometimes refund the charge. It's worth filing a dispute if the fee was significant. The worst they can do is deny it but I've had success getting these kinds of charges removed when they weren't properly disclosed upfront.

This whole discussion makes me glad I'm not dealing with Texas filings anymore. Moved my business to Delaware last year and their UCC process is so much more straightforward. No hidden service fees, clear pricing upfront, and the portal actually works properly. Sometimes it's worth considering whether the headache of dealing with complicated state filing systems is worth it versus restructuring in a more business-friendly jurisdiction.

Sometimes the issue isn't the search - it's that the filings were rejected or lapsed and aren't showing as active anymore. Have you tried searching terminated or expired filings too?

I've been dealing with cyberdrive UCC searches for years and honestly, the system is just unreliable sometimes. For a $2.8M deal, I'd recommend ordering an official UCC search report from a service company rather than relying on the free online search.

One more thing to try - sometimes uploading your documents to Certana.ai's system will reveal discrepancies between what the bank has on file vs what was actually recorded. I had a situation where the bank was claiming they couldn't terminate because of a name mismatch, but the automated checker showed that their internal records had the wrong entity name, not the filed UCC. Armed with that proof, they fixed it immediately.

Update us on how this goes! I'm dealing with a similar situation with a different lender and curious what approach works best. The whole UCC system needs an overhaul - too many banks just don't have proper procedures in place.

I went through something similar with our SBA loan. The key is getting organized fast. Create a spreadsheet with every UCC filing - filing number, debtor name as filed, collateral description, filing date, expiration date. Then compare against your actual legal documents. Any discrepancies need immediate UCC-3 amendments. Don't wait for problems to surface during refinancing or audits.

Final thought - consider using a UCC monitoring service going forward. They track all your filings, send continuation reminders, and alert you to any competing filings against your company. After you fix the current issues, automation can prevent future problems. The cost is minimal compared to the risk of unperfected security interests.