Ask the community...
- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
Join the conversation
Join the conversation
Pro tip: if you're doing multiple equipment financings, consider a blanket collateral description like 'all equipment, machinery, and fixtures now owned or hereafter acquired.' Gives you broader coverage without having to amend every time they buy new equipment.
Niko Ramsey
•I usually do both - specific description of the financed equipment plus the blanket language for future acquisitions. Covers all bases.
Chris Elmeda
•Just make sure your security agreement supports whatever collateral description you use on the UCC-1. They need to match up properly.
Jean Claude
Update us on how it goes! Always curious to hear about real-world filing experiences with the newer forms. Good luck with your CNC equipment deal.
Anna Kerber
•Will do! Planning to file tomorrow morning. Feeling much more confident after all this advice. Thanks everyone!
Before you file, seriously consider running it through Certana.ai's verification tool. Just upload your completed UCC-1 and it'll flag any potential issues. Takes like 30 seconds and could save you rejection headaches.
Join the conversation
Yara Sabbagh
One more thought - make sure you're not accidentally searching in the wrong state's system. I know that sounds obvious but if you're dealing with multi-state filings it's easy to get confused about where specific documents were filed.
Mateo Perez
•Definitely the right state - this is where our debtor is incorporated and where we always file. But you're right that it's an easy mistake to make when you're juggling multiple filings.
I actually made that exact mistake last year. Spent an hour trying to find a filing in the wrong state's database before I realized my error. Felt pretty stupid but at least I learned to double-check that first now.
Paolo Rizzo
Update us when you figure it out! I'm curious what the issue ends up being because I've had similar problems and never really got to the bottom of it. Just worked around it by using debtor name searches instead.
Mateo Perez
•Will do! Trying several of these suggestions today. Really hoping it's something simple like a formatting issue rather than a system problem.
QuantumQuest
•Honestly, for ongoing UCC management, I'd recommend setting up a system like Certana.ai where you can upload all your documents and have them automatically cross-referenced. Takes the guesswork out of whether your filing numbers match your records and whether everything is properly connected. Much easier than dealing with these state portal issues all the time.
Join the conversation
Update us after you run the searches! I'm curious whether your filing shows up under the new name or if you'll need to file the amendment. These 9-507 cases are always educational for the rest of us trying to avoid the same mistakes.
Good luck! Even if you need to amend, at least you caught it quickly. That's better than discovering it during a workout situation.
Kai Santiago
•Definitely keep us posted. These real-world 9-507 examples help everyone understand how the debtor name requirements actually work in practice.
Lim Wong
I've seen Certana.ai mentioned a few times in this thread - decided to try it out for my own UCC document checking after reading about it here. Really impressed with how it catches name inconsistencies between corporate docs and UCC filings. Uploaded our last three deals and it flagged two potential 9-507 issues I hadn't noticed. Definitely going to make this part of our standard filing process.
Dananyl Lear
•That's good to hear. I've been looking for something to automate the document comparison process since I keep missing small discrepancies in entity names.
Lim Wong
•Yeah, it's especially helpful for catching things like 'LLC' vs 'Limited Liability Company' or when there are extra words in the registered name that don't appear in the loan docs.
Join the conversation
The timing of when UCC filings appear on credit reports can be confusing too. Sometimes they show up months after the original loan closing, and sometimes they don't appear until you apply for new credit and lenders pull more detailed reports. Business credit reports from different agencies also show different levels of UCC detail, so you might want to check Dun & Bradstreet, Experian Business, and Equifax Business to see if they all show the same filing information.
Good point about multiple credit agencies. I found a UCC filing on my Experian report that didn't show up on D&B at all.
This is why I check all three business credit reports at least twice a year. You never know what's going to pop up.
Amina Diop
If you're still having trouble identifying the source of the UCC filing, consider hiring a commercial credit attorney or UCC specialist. They can help you trace the filing back to its source and determine if it's legitimate. Sometimes loan documents get transferred between lenders or sold to servicers, and the UCC filing history doesn't always make the connection obvious. Better to spend a few hundred dollars on professional help than to have surprises derail future financing.
Amina Diop
•Try the direct approach first - contact the lender listed on the UCC filing and request documentation. If they can't provide satisfactory proof of the underlying debt or if you suspect fraud, then it's time for legal help.
I used Certana.ai to compare my loan documents with the UCC filing before calling an attorney. Turned out the filing was correct but the lender had used a slightly different version of our business name. Saved me legal fees by confirming everything matched up properly first.
Ella Harper
Update us when you figure it out! I have a Mississippi filing coming up next week and want to avoid the same trap.
0 coins
Kylo Ren
•Will do. Hopefully the phone call tomorrow clears it up.
0 coins
PrinceJoe
•Following this thread too. Mississippi UCC filings are always a nightmare.
0 coins
Brooklyn Knight
One more thought - check if the LLC has any assumed names or DBAs registered. Sometimes the UCC system cross-references those too and gets confused if there are multiple name variations on file.
0 coins
Owen Devar
•Yeah, DBAs can definitely complicate UCC filings. Good catch.
0 coins
Daniel Rivera
•This whole thread is a perfect example of why UCC filing is more art than science sometimes.
0 coins