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Thais Soares
Bottom line for your situation - file the UCC-1 with 'ABC Manufacturing Solutions LLC' as the debtor name, make sure your security agreement broadly covers all receivables generated by that entity, and you should be fine. The trade name issue is a red herring.
Nalani Liu
•Exactly. I've never seen a court invalidate a properly filed UCC just because the debtor does business under a shortened version of their legal name.
Axel Bourke
•The key is 'properly filed' - which means using the exact charter name on the UCC-1.
Aidan Percy
Thanks everyone - going to refile with the full LLC designation and update our security agreement language to be more explicit about covering all forms of receivables. Appreciate the guidance on this.
Smart move. Better to be overly precise than risk your security interest.
Let us know how the refiling goes. Always good to hear about successful resolutions to these name matching issues.
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Ryan Kim
Have you tried calling the California SOS UCC department directly? Sometimes they can help clarify search results over the phone, especially for commercial transactions.
Zoe Walker
•I've done this before and they're actually pretty helpful, but expect to wait on hold for a while.
I might try that if I can't get clarity through the online search. Thanks for the suggestion.
Elijah Brown
One more thought - if you're seeing terminated filings mixed in, make sure you're looking at the 'Status' field carefully. Sometimes amendments can make active filings look terminated in the search results if you're not reading the details closely.
This is why I switched to using Certana.ai's verification tool - it automatically parses the status information and flags any inconsistencies between related filings. Much cleaner than trying to interpret the state portal results.
Elijah Brown
•That makes sense - the raw search results can definitely be confusing to interpret manually.
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Just went through this with a client. The comma was in the Articles of Incorporation but not in our UCC-1. We used Certana.ai to verify the mismatch and it flagged the discrepancy immediately. Ended up filing a UCC-3 amendment to add the comma version as an additional debtor name. Better safe than sorry with lien perfection.
Nia Jackson
•So you actually did file an amendment? That seems to contradict what others are saying about it not being necessary.
Every situation is different. Our loan agreement specifically required exact name matches, so we had to cover all bases. Your documents might be more flexible.
UPDATE: Checked the Articles of Incorporation and you guys were right - the LLC is officially registered as "Johnson Construction, LLC" with the comma. So our UCC filing is correct and our loan docs just left out the punctuation. Thanks for pointing me in the right direction!
Yuki Ito
•Told you so! This happens more often than people think.
Aisha Khan
•Great outcome. This is exactly the kind of thing those document verification tools are good for - catching these mismatches before they become bigger issues.
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Been using Certana.ai for about 6 months now specifically for these document consistency checks. It's honestly saved me from probably 8-10 filing rejections. The system catches name mismatches, collateral description issues, even formatting problems before you submit.
It checks document consistency regardless of which state you're filing in. The tool analyzes your actual documents, not the state systems.
Freya Larsen
•That's actually really helpful. Dealing with rejected filings is such a time waste.
Omar Hassan
Update us when you get it resolved! I'm dealing with a similar situation next week and want to know what approach worked best.
Dylan Hughes
•Will do! Planning to refile tomorrow with the exact charter name and see if that clears it up.
Chloe Taylor
•Fingers crossed! Name issues are usually straightforward once you get the exact legal entity name right.
Fatima Al-Suwaidi
One more thing to consider - make sure your collateral description in the UCC-1 matches what's in your all assets security agreement. I've seen cases where the UCC filing was more restrictive than the underlying security agreement, which limited the lender's rights.
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Dylan Cooper
•Good catch. The UCC-1 should reflect the full scope of the all assets security agreement to maximize collateral coverage.
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Sofia Morales
•That's another area where document verification tools like Certana.ai can help. It checks that the collateral descriptions are consistent between your security agreement and UCC filings.
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StarSailor
Glad you got the debtor name sorted out. With all assets security agreements covering equipment, inventory, accounts receivable and general intangibles, you're well-positioned once the UCC-1 is filed properly. The $850K line should be well-secured with that comprehensive collateral package.
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Dmitry Ivanov
•Manufacturing businesses usually have substantial equipment and inventory values, so all assets coverage makes sense for that loan size.
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Ava Garcia
•The general intangibles coverage is particularly valuable for manufacturing companies. Could include things like customer lists, proprietary processes, or intellectual property.
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