UCC Document Community

I paid off my equipment loan three months ago but the lender still hasn't filed the UCC termination in Florida. The original UCC-1 was filed in 2022 for my printing equipment and now I'm trying to refinance with a different bank but they're saying there's still an active lien showing up in their searches. I've called the original lender four times and they keep saying 'it's being processed' but nothing's happened. The loan was paid in full on September 15th and I have all the documentation. Is there a legal timeframe they have to file the UCC-3 termination in Florida? This is holding up my new financing and costing me money every day. Has anyone dealt with this before?

I'm working on a UCC-1 filing for a commercial loan and getting confused about the debtor name requirements. The borrower is an LLC but I'm seeing conflicting information about whether to use the exact name from their articles of incorporation or if there's flexibility. Some sources mention ncgs ucc standards but I can't find clear guidance. The loan is for $280K in equipment financing and I really don't want this rejected over a name issue. Has anyone dealt with similar debtor name matching requirements? What's the safest approach to ensure the filing gets accepted?

Running into a weird issue with a UCC-1 filing in Tennessee and hoping someone has dealt with this before. I'm trying to file a UCC-1 against a borrower but when I search the Tennessee Secretary of State business database, the exact legal name on their articles of incorporation doesn't match what they've been using on loan documents. The charter shows 'ABC Manufacturing Solutions, LLC' but all our loan paperwork has 'ABC Manufacturing Solutions LLC' (no comma). I know debtor name accuracy is critical for perfection, but I'm not sure which version to use on the UCC-1. Has anyone dealt with Tennessee SOS name variations like this? Do I need to use the exact charter name or can I go with the name they're actually doing business under? Really don't want this filing to be defective because of a punctuation issue.

I'm trying to run a florida ucc 11 search on the state portal and getting some confusing results that don't make sense. Been doing asset-based lending for about 8 years but this Florida system is throwing me off. I searched for a debtor name and got back what looks like a UCC-11 information request response, but the formatting is all over the place and some of the continuation dates don't align with what I expected. The collateral descriptions are also showing partial matches that seem to overlap with other filings. Has anyone else dealt with Florida's search system acting up lately? I need to verify a few liens before we close on a $850K equipment loan next week and want to make sure I'm not missing anything critical. The debtor has multiple variations of their business name in the system which is making this even more complicated.

I'm dealing with a really frustrating situation with our UCC-1 filings and wondering if anyone has run into similar issues with the national form format. We've had three filings rejected in the past month because of debtor name inconsistencies, and I'm starting to think there's something fundamental I'm missing about how the UCC 1 financing statement national form handles entity names vs individual names. The first rejection came back saying the debtor name didn't match exactly with what's on file with the Secretary of State, even though we copied it directly from their corporate records. The second one got kicked back because apparently we needed to include the full legal entity designation (LLC vs L.L.C. vs Limited Liability Company) but the form instructions weren't clear about which format to use. Now I'm staring at a third filing that needs to go out next week for a $2.8 million equipment financing deal, and I'm terrified it's going to get rejected too. The collateral description seems fine - it's standard equipment language we've used dozens of times before. But these debtor name requirements on the national form are driving me crazy. Has anyone figured out a reliable system for getting the entity names exactly right on UCC-1 filings? I feel like I'm missing some obvious rule about how to format business names properly.