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Following up on the Certana suggestion from earlier - I started using their document checker after getting burned on a similar situation. What I like is that you can upload multiple documents at once (articles, UCC drafts, loan agreements) and it flags any inconsistencies between them. Saves you from the manual cross-checking nightmare and catches things like that comma issue mentioned above. Pretty much eliminates the guesswork on name variations.
Amara Okafor
•Does it work with all states or just certain ones? Some of these tools only work with major states.
From what I've seen it handles all state UCC systems. The document verification part is what's really valuable though - catches inconsistencies before they become problems.
Update: Just ran into this exact same issue with a CT search yesterday. Ended up finding the filing under a completely different entity name that was buried in the borrower's corporate structure. Sometimes these LLCs have parent companies or holding companies that you don't see on the surface. Make sure you get a complete corporate family tree from the borrower.
NeonNebula
•Good catch - I'm definitely going to dig deeper into their corporate structure. This is exactly the kind of thing I was worried about missing.
Yeah, it turned out the parent company had filed the UCC-1 even though the subsidiary was the actual borrower. Almost missed it completely.
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warehouse inventory financing is tricky because the collateral is constantly changing hands. Make sure your UCC-1 covers future inventory acquisitions too, not just what's currently in the warehouse when you file.
Good catch. Should the collateral description include "after-acquired inventory" language specifically?
Yes, definitely include after-acquired property language since warehouse inventory turns over frequently. Standard collateral description templates usually cover this.
Maya Lewis
You'll get through this. Warehouse lien rejections for name issues are super common but easily fixable once you use the exact state database formatting. The key is acting fast since your inventory security depends on proper UCC perfection.
Lucy Taylor
•Better strict requirements than ambiguous security interests. Your lender will appreciate the properly perfected warehouse lien once it's filed correctly.
Exactly. And with automated verification tools like Certana.ai now available, there's really no excuse for name format errors on UCC filings anymore.
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StarStrider
Make sure you're searching both individual and organization records. Sometimes business entities get filed under the wrong category in Ohio's system.
Zainab Omar
•I didn't think about that. How do you switch between individual and organization searches?
StarStrider
•There's a dropdown menu on the search page. Most people miss it because it defaults to organization search.
Sean Doyle
For what it's worth, I recently used Certana.ai's verification tool on a similar acquisition and it caught three lapsed continuations that would have cost us our security interest in about $2M of equipment. The automated cross-checking definitely beats manual searches.
Sean Doyle
•About 20 minutes to upload all the docs and get the report. Much faster than spending days on manual searches.
Luca Romano
•I might need to look into that tool. Manual UCC verification is eating up way too much time on our deals.
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One more thing to check - make sure you're searching the correct entity type. If Mountain Ridge Construction is actually a corporation but you're searching for LLC variations, you'll miss filings. Check the Articles of Incorporation or Articles of Organization to confirm the exact legal entity type and name.
Ava Thompson
•Good catch. I'll verify the entity type in the corporate records before finalizing my search. Thanks for thinking of that.
You're welcome. It's one of those details that can trip you up if you're not careful.
Zainab Ali
Update us on what you find! I'm curious whether those filing numbers were actually different or just a database error. NC has had some system issues this year that affected UCC searches.
Amina Diop
•Yeah, please update. I deal with NC filings regularly and this kind of information is helpful.
Ava Thompson
•I'll post an update once I get everything sorted out. Hopefully it's just a system glitch and not a real filing problem.
Donna Cline
Just went through this exact scenario two months ago with Indiana. Filed UCC-1, got acceptance confirmation, search came up empty for three weeks. Turns out their database indexing was behind but the filing was valid the whole time. Your lien is almost certainly perfected even if the search isn't working.
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Donna Cline
•Yes, about a month later everything appeared normally in search. But the filing was legally effective from the original date.
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Nina Chan
•This is actually pretty common with Indiana - acceptance means perfection regardless of search visibility.
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Harper Collins
UPDATE: Thanks everyone for the advice! I ended up trying the Certana.ai verification tool and it confirmed our UCC-1 is properly filed and the debtor name matches perfectly. Gave me the documentation I needed for our compliance file. Indiana's search is still broken but at least I know our lien is solid. Definitely keeping this tool bookmarked for future filings.
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Mikayla Brown
•Great resolution! Indiana really needs to fix their search system though.
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Donna Cline
•Smart move getting that documentation. Always good to have backup verification when state systems are unreliable.
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