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Daniel Washington

UCC Search Issues in MO - System Keeps Timing Out

Anyone else having problems with the Missouri UCC search portal today? I've been trying to pull UCC records for due diligence on a commercial loan and the system keeps timing out every time I enter a debtor name. This is the third day in a row - I need to verify if there are any existing liens before we can close next week. The search just spins and then gives me an error message. Is there a better way to do mo ucc search or is everyone dealing with this?

Carter Holmes

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UPDATE: Just tried the Missouri portal again and it seems to be working better this afternoon. Maybe they fixed whatever was causing the timeout issues.

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Carter Holmes

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Still slower than usual but at least it's not timing out every search.

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Sophia Long

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Confirmed - just did a search and it worked. Still took longer than it should but got results.

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This thread is really helpful. I've been struggling with Missouri UCC searches for months. Going to try the Certana.ai tool mentioned here - anything is better than fighting with that portal every day.

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Let me know how it works out for you. I'm definitely considering it after this experience.

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Will do. The time I waste on failed searches is definitely costing me more than any tool would.

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Dmitry Sokolov

UCC expiration refiling deadline approaching - stressed about timing

My UCC-1 filing expires in March and I'm getting conflicting advice about the refiling process. Our original filing was done in 2020 for a commercial equipment loan, and now I'm reading that you can't just refile the same UCC-1 after expiration - you need to do a continuation before it lapses? The debtor company changed their legal name slightly last year (added LLC designation) and I'm worried about whether a continuation will even be valid with the name change. Our loan officer said just refile after expiration but that seems wrong based on what I'm reading. Has anyone dealt with UCC expiration refiling when there's been a debtor name change? I'm really stressed about losing perfection on a $280K equipment loan.

Diego Chavez

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Don't forget to check if your state requires specific forms for continuation filings. Some states have their own UCC-3 forms with specific formatting requirements, while others accept the standard forms. Using the wrong form can cause delays or rejections.

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Each state seems to have their own quirks with UCC filings. I keep a checklist for each state I file in because the requirements can be so different.

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Sean O'Brien

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The fee schedules are different too. Some states charge per page, others have flat fees. Budget accordingly, especially if you need multiple amendments.

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Zara Shah

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Bottom line: Don't listen to your loan officer on this one. File the continuation before expiration, deal with the name change issue properly, and give yourself plenty of time to handle any complications. Losing perfection on a $280K loan is not worth the risk of waiting or doing it wrong.

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Luca Bianchi

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Smart move. UCC filings are too important to leave to chance, especially with larger loans. Take the time to do it right.

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Good luck! Come back and let us know how it goes. These continuation situations with name changes can be tricky but definitely manageable if you plan ahead.

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Keisha Robinson

UCC 11 search Texas - Can't find debtor records anywhere

I'm trying to do a UCC 11 search Texas for a potential borrower but I'm getting zero results and I know there should be filings. The debtor name is 'Southwest Manufacturing Solutions LLC' and I've tried every variation I can think of. Is there something specific about Texas UCC searches that I'm missing? I've used the SOS portal but wondering if there's a better way to search or if I'm doing something wrong with the debtor name format. This is holding up our loan approval and I'm getting pressure from management to move forward.

Diego Vargas

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Just wanted to follow up on the Certana suggestion from earlier - I tried it after seeing this thread and it actually found a UCC filing I had missed on my own search. The document comparison feature caught a name discrepancy between the charter and UCC that I wouldn't have noticed manually. Pretty impressed with how quick it was.

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That's exactly what I need right now. Going to try uploading their formation docs and see what it finds. Thanks for the follow-up!

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Glad it worked for you too! It's saved me so much time on these tricky name matching situations.

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CosmicCruiser

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Update: I finally found the filings! Turns out they were under 'Southwest Manufacturing Solutions, L.L.C.' with periods in the LLC abbreviation. Found 2 active UCC-1s that way. Texas search is so particular about punctuation it's ridiculous.

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GalaxyGazer

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Perfect example of why exact name matching is both a blessing and a curse. At least you found them before moving forward with the loan.

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This whole thread is a great reminder of why UCC searches require so much patience and creativity. Thanks for sharing the solution!

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Dananyl Lear

Kentucky UCC-1 debtor name rejected - entity formation documents don't match exactly

Been doing secured lending for 8 years and I'm stumped on this Kentucky UCC situation. Filed a UCC-1 last month for a $340K equipment loan and it got rejected because the debtor name doesn't match exactly with the Articles of Incorporation. The borrower is "Advanced Manufacturing Solutions, LLC" on their charter docs but we used "Advanced Manufacturing Solutions LLC" (no comma) on the UCC-1. Kentucky SOS kicked it back saying exact match required. Now I'm worried about the 20-day rule and whether our security interest is at risk. Has anyone dealt with Kentucky's strict debtor-name requirements? The loan docs are already signed and funded so going back to redo everything would be a nightmare. Is there a way to get this corrected without losing priority or do I need to start over with a new filing?

Rajan Walker

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This is why I always use that Certana tool now for document verification. Upload your Articles and your UCC-1 and it flags any inconsistencies instantly. Would have saved you this headache. But since you're past that point, definitely file the correction ASAP.

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Is that tool expensive? Sounds like it could save a lot of time and stress.

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Rajan Walker

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Way cheaper than dealing with rejected filings and potential priority issues. Just upload PDFs and it does all the cross-checking automatically.

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I've been doing UCC filings for 15 years and Kentucky has gotten much stricter in the last 5 years. They used to be more lenient with minor variations but now they're very precise about exact matches. Always pull a fresh entity search right before filing to get the current exact name format.

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I think it's partly due to increased electronic filing and automated processing. Less human review means less flexibility for obvious but technically incorrect entries.

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Avery Davis

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Makes sense. Computers are literal about text matching in ways humans aren't.

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FireflyDreams

UCC Form 11 confusion - is this even a real filing document?

I've been working on a complex secured transaction for the past month and my client's attorney keeps mentioning something called "UCC Form 11" but I can't find any reference to this anywhere in our state's filing system or the standard UCC forms. I've handled hundreds of UCC-1 filings, amendments, and continuations but this UCC Form 11 has me completely stumped. The attorney claims it's required for certain types of collateral but won't elaborate. Has anyone encountered this form before? I'm starting to think there might be some confusion with state-specific forms or maybe they're referring to an attachment schedule? Our SOS office doesn't list any Form 11 in their UCC section and I've checked the official UCC forms library. This is holding up a $2.3M equipment financing deal and I need to figure out what they're actually referring to. Any insights would be greatly appreciated.

Andre Dubois

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UPDATE: Finally heard back from the attorney. Turns out they were referring to what they call their "Form 11" which is actually just their internal checklist for UCC-1 filings. They use it to make sure all required information is included before filing. It's not an actual filing document at all! Sometimes I wonder how these people passed the bar exam.

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Jamal Carter

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Well that's anticlimactic but glad it's resolved. Now you know to always ask for clarification when attorneys mention unfamiliar form numbers.

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Mei Liu

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At least your deal can move forward now. What a waste of time though!

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This thread is going to be helpful for future reference. I'm bookmarking it because I guarantee this same confusion will come up again with other attorneys who use internal form numbers. Thanks for sharing the resolution!

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Amara Nwosu

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Definitely saving this thread. Great example of why clear communication is so important in secured transactions.

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AstroExplorer

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Agreed. This is exactly the kind of real-world problem that doesn't get covered in training materials.

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