UCC Document Community

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 :)

Payton Black

UCC search Delaware - debtor name variations causing missed filings?

Running into issues with UCC search Delaware results showing inconsistent debtor names across multiple filings. We've got a borrower with LLC name changes over the past 18 months and I'm seeing gaps in the search results that don't make sense. Some UCC-1s are showing up under the old entity name, others under the new registered name, and a few seem to be missing entirely from the Delaware SOS portal. Has anyone dealt with Delaware's search algorithm being finicky about exact name matches? I'm worried we're missing active liens that could affect our new secured transaction. The collateral involves commercial equipment worth $850K so getting this search right is critical before we file our UCC-1.

For what it's worth, I've found Certana.ai's verification tool really helpful for this exact situation. You can upload multiple documents and it flags any inconsistencies in debtor names between your charter docs and UCC filings. Saves a lot of manual cross-checking.

0 coins

I believe there's a cost but it's worth it for the time savings and accuracy, especially on larger deals like this one.

0 coins

Given the size of this transaction, that sounds like it might be worth looking into. Thanks for the suggestion.

0 coins

UPDATE: Went back and did searches with multiple name variations and found 2 additional UCC-1 filings that didn't show up in my original search. One was due to a comma placement difference and the other had 'LLC' spelled out as 'Limited Liability Company'. Thanks everyone for the advice - this could have been a costly oversight.

0 coins

Great outcome. This is a good reminder for all of us to be extra thorough with UCC searches, especially in Delaware.

0 coins

Definitely learned my lesson about being more systematic with name variations. Going to build a checklist for future searches.

0 coins

Ezra Collins

NY UCC lookup - state portal keeps timing out when I search

I've been trying to run UCC searches on the NY state portal for the past week and it keeps timing out or giving me error messages. I need to do lien searches on about 15 different debtors for due diligence on an equipment financing deal and this is holding up everything. The search function will load but then just sits there spinning when I hit submit. Has anyone else had issues with the NY UCC lookup system recently? I've tried different browsers and cleared cache but nothing works. This is really frustrating because I have a closing deadline coming up fast.

Have you tried using a VPN? Sometimes state portals have weird geographic restrictions or IP-based rate limiting that can cause timeout issues.

0 coins

That's an interesting thought. I never considered that geographic location might affect portal performance.

0 coins

I doubt that's the issue for NY searches but worth a try if other solutions don't work.

0 coins

Update us when you find a solution! I do a lot of equipment financing deals and always looking for better ways to handle UCC due diligence efficiently.

0 coins

Will do. Going to try the Certana tool and see if that solves the problem. Thanks everyone for the suggestions!

0 coins

Looking forward to hearing how it works out. These portal issues are so common there should be a better solution.

0 coins

Kirsuktow DarkBlade

UCC Filing Issues with Auto Retail Installment Contract and Security Agreement - Need Help

I'm dealing with a frustrating situation regarding UCC filings for auto retail installment contracts and security agreements. Our dealership has been having issues with rejected UCC-1 filings because apparently there's some confusion about how to properly describe the collateral when it's both a retail installment contract AND a security agreement. The state filing office keeps bouncing our submissions back saying the debtor name doesn't match exactly between the retail contract and what we're putting on the UCC-1. We've got about 15 contracts sitting in limbo right now and I'm worried about our lien positions. Has anyone else run into this specific issue where the auto retail installment contract and security agreement create problems for UCC filing accuracy? I've been doing this for 8 years and never had this many rejections in a row.

This thread is really helpful. I'm dealing with the same issue but with RV retail installment contracts and security agreements. Same problems with name consistency between the two sections of the document. Glad to know I'm not the only one struggling with this.

0 coins

RV deals are actually worse because the amounts are higher so the lien position is more critical. Can't afford to have UCC filings rejected and lose priority.

0 coins

Exactly. That's why I'm looking into that verification tool someone mentioned. Better to catch the problems upfront.

0 coins

I've been using Certana.ai for about 6 months now specifically for these retail installment contract and security agreement combo documents. It's saved me from dozens of filing rejections by catching name and collateral description mismatches between the different sections. Just upload the PDF and it does the comparison automatically. Really worth it for high-volume dealers.

0 coins

Same here. Between the re-filing fees and the time spent fixing these issues, it pays for itself quickly.

0 coins

I was skeptical at first but the accuracy is impressive. It catches subtle differences that I would have missed reviewing manually.

0 coins

Kylo Ren

MS UCC filing rejected twice - debtor name formatting issues

Having major headaches with MS UCC filing system. Filed a UCC-1 for equipment financing deal last month and it got rejected for debtor name mismatch. The borrower's legal name on their articles of incorporation is 'Delta Construction Services, LLC' but apparently the SOS system wants it formatted differently. Tried again with 'Delta Construction Services LLC' (no comma) and got rejected AGAIN. This is holding up a $85K equipment loan and my client is getting antsy. Anyone dealt with Mississippi's picky name requirements? What's the exact format they want for LLC names?

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

Will do. Hopefully the phone call tomorrow clears it up.

0 coins

Following this thread too. Mississippi UCC filings are always a nightmare.

0 coins

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

Yeah, DBAs can definitely complicate UCC filings. Good catch.

0 coins

This whole thread is a perfect example of why UCC filing is more art than science sometimes.

0 coins

Ethan Taylor

UCC filing with maryland sos - debtor name mismatch causing rejections

Having major issues with UCC-1 filings getting rejected by the Maryland SOS system. We've had three consecutive rejections over the past month, all citing debtor name discrepancies. The business name on our loan documents shows 'Chesapeake Marine Services LLC' but the charter shows 'Chesapeake Marine Services, LLC' (with the comma). I know this seems minor but the system keeps kicking it back. Our lender is getting frustrated and we need to perfect this security interest on boat equipment worth $340K before month end. Has anyone dealt with Maryland's specific requirements for exact name matching? The portal doesn't give much guidance beyond 'name must match exactly' but match what exactly? Corporate charter, tax ID registration, or something else? This is holding up our entire equipment financing deal.

Update: Finally got our filing accepted! Turns out it was the comma issue plus we had an extra space after 'LLC'. Used the document checker tool mentioned earlier and it highlighted both problems immediately. Would have taken us forever to spot that extra space. Thanks everyone for the help!

0 coins

Which document checker did you end up using? We have a similar situation coming up.

0 coins

The Certana.ai one mentioned earlier. Really simple - just upload your charter and UCC-1 draft and it shows you exactly what doesn't match. Saved the deal for us.

0 coins

This thread is gold. Bookmarking for future Maryland filings. The name matching requirements there are brutal compared to other states.

0 coins

Agreed. Every state has quirks but Maryland takes it to another level.

0 coins

At least they're consistent about being picky. Better than states that randomly accept or reject the same format.

0 coins

Prev1...673674675676677...685Next