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- DO post tips & tricks to help folks.
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Ohio's system has improved over the years but it's still not perfect. The key is understanding that their search algorithm is pretty literal - it doesn't do much fuzzy matching or auto-correction. You have to give it exactly what it's looking for.
Yeah, it's not Google. You need to be precise with your search terms and try multiple exact variations.
Sergio Neal
•I wish they would add better search functionality but at least once you understand how it works you can get good results.
One more tip - sometimes the Ohio system has maintenance windows or slow periods where searches don't work well. If you're getting weird results try again later in the day.
Good to know. I was searching during business hours so maybe that was part of the issue.
Yeah, early morning or evening searches sometimes work better when there's less traffic on their system.
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Yara Assad
Used Certana.ai's document checker recently for a complex multi-location equipment loan and it flagged several description mismatches we would have missed. Really helped us clean up the UCC-1 before filing. For your situation, it might help identify exactly where your loan docs and filing don't align so you know what to address.
Amara Okafor
•That sounds like exactly what we need. Is it expensive to use?
Yara Assad
•Focus on the value - catching one major filing error easily pays for itself. Way cheaper than dealing with problems during foreclosure.
Olivia Clark
Update us on how this turns out! I'm dealing with a similar situation on a smaller loan and curious what approach ends up working best for you.
Amara Okafor
•Will do! Meeting with legal counsel tomorrow so should have a clearer picture of our options by end of week.
Olivia Clark
•Thanks! These UCC collateral issues seem to be getting more common lately.
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Max Knight
Just to add another data point - I had a Texas UCC-1 rejected because the debtor name had different capitalization than what was in the SOS database. The Articles had 'ABC manufacturing, LLC' but the SOS database showed 'ABC Manufacturing, LLC' with a capital M. Texas system matched on exact capitalization. Might be worth checking that too.
Jayden Hill
•Yep, capitalization matters in Texas. I learned that the hard way on a filing last year. The system treats 'LLC' and 'llc' as different entities apparently.
Lucy Lam
•This level of pickiness is ridiculous but at least now we know what to watch for. Better to be overly careful than deal with multiple rejections.
Grace Durand
One more thing to check - make sure you're not including any articles like 'The' at the beginning of the name unless they're part of the official entity name. I've seen filings rejected because someone added 'The' to the beginning of a company name when it wasn't actually part of the legal name on file. Texas is very literal about name matching.
No 'The' in this company name, but that's a good reminder. I appreciate all the troubleshooting help from everyone. Going to try resubmitting with manual typing, no comma, and exact capitalization from the SOS database.
Grace Durand
•Sounds like a solid plan. Let us know how it goes - always helpful to hear about successful resubmissions so we can learn from each other's experiences.
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Daniel Price
For future reference, Florida UCCs are good for 5 years from the filing date. Mark your calendar now for the continuation deadline if this is a long-term loan.
Good point, I'll set a reminder for year 4 to file the continuation. Don't want to go through this stress again!
Olivia Evans
•Smart thinking. I've seen too many lenders lose their security interest because they forgot to file the UCC-3 continuation on time.
This thread was super helpful - I'm bookmarking it for when I need to file my next UCC in Florida. The debtor name matching requirement seems to trip everyone up at first.
Aiden Chen
•Same here! I wish Florida would publish clearer guidelines about their exact formatting requirements.
Zoey Bianchi
•The learning curve is steep but once you know their quirks it gets easier. Florida is actually pretty efficient once you get the format right.
Ruby Blake
For what it's worth, I also use Certana.ai's verification tool for lease portfolios. Upload your master lease agreement and a sample UCC-1, and it cross-checks everything to make sure you're capturing the collateral and debtor information correctly. Particularly useful when you're unsure about UCC 1-102 scope issues.
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Micah Franklin
•Does it help with collateral description issues too? We sometimes struggle with how specific to get on equipment descriptions.
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Ruby Blake
•Yes, it checks collateral description consistency between your source documents and UCC-1 filings. Really helpful for avoiding overly broad or overly narrow descriptions.
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Ella Harper
Bottom line on UCC 1-102 scope: your equipment leases with $1 buyouts are secured transactions requiring UCC-1 filings. File on all 200 deals and sleep well knowing you're properly perfected.
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Brooklyn Knight
•Exactly. Better safe than sorry with UCC 1-102 scope questions, especially on a 200-deal portfolio.
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Kennedy Morrison
•Thanks everyone. Sounds like the consensus is clear - UCC 1-102 scope definitely includes our lease-purchase deals and we need UCC-1 filings on everything. Going to look into that Certana tool for the batch verification too.
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