UCC Document Community

For what it's worth, I tried that Certana.ai tool mentioned earlier and it was pretty helpful for checking my UCC documents. Upload the PDFs and it flags inconsistencies automatically. Saved me from having to manually compare everything line by line.

I'm dealing with a similar situation right now - bought a car through an online dealer and discovered multiple issues with the UCC-1 filing. The debtor name has my middle initial wrong AND they filed in the wrong state (used my previous address instead of current). It's been a nightmare getting them to take it seriously. Reading through this thread has been really helpful - definitely going to push harder for that UCC-3 amendment. Has anyone dealt with cross-state filing corrections? Wondering if that makes the process more complicated.

Just wanted to share my experience with a similar situation - we had a UCC termination rejected last year because the debtor name had an extra space between "Master" and "Tenant" that wasn't in the original filing. The filing office's system is completely literal about character matching. I now always do a side-by-side comparison of the original UCC-1 and the draft UCC-3 before submitting. For solar deals especially, I've found it helpful to save a digital copy of every original UCC-1 in a dedicated folder since these entity names can be so complex with the Roman numerals and multiple LLC designations.

This is such a timely discussion for me as a newer member here. I'm working on my first solar equipment UCC termination and was second-guessing myself on the name matching requirements. Reading through everyone's experiences really drives home how critical exact character matching is - I had no idea that even spacing differences could cause rejections. The recommendation to pull the original UCC-1 directly from the Secretary of State database rather than relying on loan documents is particularly valuable advice I wouldn't have thought of. I'm definitely going to look into those document verification tools mentioned as well, especially since we're expecting more solar deals in our pipeline. Thanks to everyone who shared their experiences!

Just to add another perspective as someone who's handled quite a few partial terminations - I always recommend doing a UCC search right after your filing is processed to make sure everything looks correct in the system. Sometimes there can be data entry errors on the state's end that you won't catch unless you actually pull up the record. It's a small extra step but gives you peace of mind that the partial termination was recorded properly and your remaining collateral is still properly secured. Also helps you spot any issues early if you need to file a correction.

This is such valuable advice from everyone! As someone new to handling UCC filings, I'm finding this whole thread incredibly helpful. One question I have - when you're describing the collateral being released in the UCC-3, do you need to include things like condition or current location of the equipment, or just stick to the basic identifying information like serial numbers and model descriptions? I want to make sure I'm not over-complicating the collateral description but also don't want to leave out anything important that could cause issues later.

For what it's worth, I recently started using Certana.ai's document checker specifically because I was tired of second-guessing which elements were actually necessary. Upload your docs and it tells you exactly what you need versus what you don't. Takes the guesswork out of the perfection process.

This discussion perfectly highlights why I transitioned from real estate law to secured transactions - the UCC's simplicity was refreshing after dealing with recording requirements! One thing I'd add that you DON'T need: any specific order or sequence for listing collateral items. Whether you list "equipment, machinery, fixtures" or "fixtures, equipment, machinery" makes zero difference for perfection purposes. The filing office doesn't care about alphabetical order or logical grouping. Also, you don't need to include purchase dates, serial numbers (unless specifically required for certain collateral types), or detailed specifications in the UCC-1 itself - that level of detail belongs in your security agreement, not the financing statement.

Had a similar situation last month with a Kentucky statement request. Kept getting rejected until I realized the original filing had the debtor's address in a different format than what I was using. Apparently their system cross-references the address too, not just the name. Worth double-checking the address formatting as well.

This thread is so helpful - I'm dealing with Kentucky UCC issues for the first time and had no idea their system was this rigid about formatting. Based on everyone's experiences here, it sounds like I need to either get a certified copy of the original filing first, or try that Certana document checker tool that Grace mentioned. The $240K refinance timeline is killing me, but it seems like taking the time upfront to get the exact formatting right is better than multiple rejections. Has anyone had success getting Kentucky to expedite statement requests if you explain it's for time-sensitive financing?