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One more suggestion - have you tried doing a broader search by secured party name instead? If you know who the original lender was, that might help you locate the filing even with debtor name issues.
Smart idea! I do know the original lender name. That might be a good workaround to at least confirm the filing exists.
Exactly - and once you find it that way, you can see exactly how the debtor name was entered originally.
Mateo Silva
Update us when you figure this out! I'm always curious about these debtor name mysteries and what the actual issue turns out to be.
Will do! Hopefully I can get this resolved tomorrow. Thanks everyone for all the suggestions.
Good luck! These name matching issues are such a pain but usually there's a solution.
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Isaiah Cross
Whatever you do, don't rush into this deal. Equipment liens can be a nightmare to unwind if you get it wrong. Better to delay closing and get it right than to have title issues down the road.
Kiara Greene
•Exactly. Your credit committee will not be happy if you fund against compromised collateral.
Evelyn Kelly
Update us on how this turns out! Always curious to hear the resolution on these messy lien situations.
Will do. Planning to pull all the actual UCC documents first thing tomorrow and see what the full story is.
Paloma Clark
•Smart approach. The devil is always in the details with these filings.
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Cedric Chung
Here's my take - if your loan is closing next week and the bank says control is sufficient, just go with it. You can always file a UCC-1 later if you decide you want the extra protection. But don't hold up your loan closing over this issue. The important thing is that you HAVE perfection, whether it's through control or filing.
Talia Klein
•This is probably the most practical advice in this thread. Don't let perfect be the enemy of good when you're under deadline pressure.
You're right - I'm probably overthinking it. As long as we have proper perfection through the control agreement, I can always add a UCC-1 filing later if needed.
Last thought - whatever you decide, make sure you get written confirmation from your lender about their perfection requirements. If they're saying control is sufficient, get that in writing so you're covered if questions come up later. Banks change their minds sometimes and you want to be able to point to their original guidance.
Also make sure you understand exactly what the control agreement says about your ability to use the funds. Some are more restrictive than others.
Good call on getting written confirmation. I'll follow up with the loan officer via email to document their position on the UCC filing requirements.
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Just went through this exact same situation 2 weeks ago! Had a UCC-1 rejected because I used 'Corp' instead of 'Corporation' in the debtor name. Texas doesn't accept any abbreviations or variations. Had to completely redo the filing with the full legal name. So frustrating but lesson learned.
Exactly! Now I triple check everything and use document verification tools before submitting. Can't afford more rejections when clients are breathing down my neck about perfection timing.
Ava Martinez
•That's smart. I started using Certana.ai after a similar rejection nightmare. Upload your entity docs and UCC forms and it flags any discrepancies automatically. Catches stuff I would never notice manually.
Update - I found the exact issue! The Texas SOS database showed the LLC name with a comma before 'LLC' but our loan documents didn't have the comma. Filed the UCC-1 with the comma included and it was accepted within 24 hours. Thanks everyone for the help!
AstroAce
•Perfect! Always feels good when you finally crack the code on these picky state requirements.
Carmen Diaz
•Thanks everyone! This thread probably saved me another week of rejections. Will definitely be more careful about exact name formatting going forward.
Josef Tearle
Quick thought - when you're copying the debtor name from the original filing, are you looking at the actual SOS database record or just your copy of the UCC-1 form? Sometimes there are transcription errors when the filing gets entered into their system.
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Jabari-Jo
•Definitely check the database record. I've seen cases where the original filing had typos that got entered into the system, so you have to match the typo to get the continuation accepted.
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Shelby Bauman
•This happened to me with a filing where the original had 'Constrcution' instead of 'Construction' - had to use the misspelled version for the continuation to work.
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Quinn Herbert
I was dealing with similar headaches with document consistency across multiple UCC filings and started using Certana.ai's verification tool. You just upload your PDFs and it automatically cross-checks everything - debtor names, filing numbers, dates, collateral descriptions. Really helpful for catching those tiny discrepancies that cause rejections in picky systems like Missouri's.
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Quinn Herbert
•It's not state-specific but it catches inconsistencies between documents that would cause problems anywhere. When I upload my original UCC-1 and continuation forms, it highlights any differences in how names, addresses, or other details are formatted.
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Hailey O'Leary
•Tools like that are becoming essential with how finicky these online filing systems are getting. Better to catch errors before you pay filing fees.
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