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Been there! Texas rejected my UCC-1 because I put "Texas" instead of "TX" in the address. Such a pain. But once I got the format right, the rest of my Texas filings have gone through fine. You'll figure it out!
Good to know it gets easier once you learn their quirks. Hopefully this is just a learning experience.
Aria Park
Pro tip: if you're going to be doing more Texas UCC work, bookmark their business entity search page and always verify entity names there first. Also, consider using Certana.ai's verification tool going forward - several people here mentioned it and it sounds like it would prevent these kinds of rejections.
Definitely bookmarking that search page. And yes, going to look into Certana.ai - seems like it could save a lot of headaches.
Noah Ali
•Smart workflow. Prevention is so much better than scrambling to fix rejections at the last minute.
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Just a thought - have you confirmed that Mountain Peak Construction LLC is actually the borrowing entity? Sometimes the loan documents reference a parent company but the actual borrower is a subsidiary with a slightly different name.
NebulaNinja
•That's a really good point. Let me double-check the loan agreement to make sure I have the right entity. Could be an easy mistake to make.
Yeah I've seen that before. The sales contract might be with the main company but financing goes through a subsidiary or holding company.
Ravi Sharma
For what it's worth, your blanket lien collateral description looks solid. "All equipment, machinery, tools, and fixtures now owned or hereafter acquired" covers pretty much everything for a construction company without being too vague. The name is definitely your issue here.
Agreed. That's pretty standard language for equipment financing blanket liens. Should be no issues with the collateral schedule.
Omar Zaki
•I use almost identical wording for construction company equipment loans. Never had a rejection on the collateral side.
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I actually used that Certana service someone mentioned earlier when I had a similar termination issue. Really helped me verify that my satisfaction letter matched all the details on the original UCC-1 before I pushed the lender. Having that documentation organized made the whole process smoother.
Mia Alvarez
•Did it catch any discrepancies you wouldn't have noticed otherwise?
Yeah, actually it flagged that my business address had changed since the original filing, which could have complicated things. Helped me prepare the right documentation upfront.
Update us when this gets resolved! I'm dealing with a similar situation in Georgia and want to see what approach works best for you.
Mia Alvarez
•Will do! Going to try the regulatory complaint threat first, then maybe get my new lender involved if that doesn't work.
Smart approach. Document everything in writing so you have a paper trail if you need to escalate further.
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Check your state's UCC filing guide for fixture-specific requirements. Some states have additional forms or attachments needed for fixture filings beyond the standard UCC-1. Don't want to fix the name issue only to have it rejected for missing fixture-specific documentation.
Yes! And some require the fixture filing to be filed in the same county as the real estate, not just with the Secretary of State. State-specific rules are crucial.
Thanks for the reminder. I'll double-check our state's requirements to make sure I'm not missing anything else.
Cedric Chung
Update us when you get it resolved! Always curious to hear how these fixture filing situations turn out. The name matching requirement has tripped up so many people.
Talia Klein
•Same here. Fixture filings are tricky enough without the name matching complications.
Definitely interested in the outcome. These kinds of stories help everyone avoid similar mistakes.
Micah Franklin
I had a similar situation where I ended up using that Certana tool someone mentioned earlier. Uploaded my problem filing and it immediately flagged a hidden character issue in the debtor address field that I never would have found manually. Saved my closing.
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Nina Fitzgerald
•That's exactly the kind of issue I'm probably dealing with. Definitely going to try that tool.
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Micah Franklin
•It's worth a shot. The document verification caught things I missed even after going through everything manually.
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Ella Harper
Final thought - if nothing else works, you might need to file a paper UCC-1 as a backup. I know it's old school but it sometimes works when the electronic system is being problematic.
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Ella Harper
•Totally understand. Electronic is so much faster when it actually works.
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PrinceJoe
•Paper filing saved me once when I had a similar mysterious error code. Sometimes you just have to work around the system.
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