Arizona UCC 1 form filing - debtor name exact match requirements?
I'm preparing to file a UCC-1 in Arizona and getting conflicting info about debtor name requirements. Our borrower is an LLC that was formed as "Mountain View Equipment Solutions, LLC" but they've been doing business under variations like "Mountain View Equipment" and "MV Equipment Solutions LLC" on different contracts. The loan documents show "Mountain View Equipment Solutions LLC" (without the comma). Which exact name format should I use on the Arizona UCC 1 form to ensure it doesn't get rejected? I've heard Arizona's system is really strict about exact matches but can't find clear guidance on punctuation variations. This is a $485,000 equipment financing deal and I cannot afford to have the filing rejected due to a name mismatch. Anyone dealt with similar debtor name variations on Arizona UCC filings recently?
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Sofia Ramirez
Arizona definitely requires exact match to the formation documents. You need to pull the actual Articles of Organization from the Arizona Corporation Commission to see the exact legal name format. Don't guess on punctuation - I've seen filings rejected for missing commas.
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Dmitry Popov
•This is so important. We had a rejection last month because we used "Inc." instead of "Inc" (no period) on an Arizona filing.
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Ava Rodriguez
•Wait, so the loan docs showing a different format doesn't matter? I thought you could use the name from the security agreement.
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Miguel Ortiz
Check the Arizona Corporation Commission database first - that's your authoritative source. For LLCs, the exact name from formation is what matters. Also make sure you're filing in the right jurisdiction if they do business in multiple states.
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Zainab Khalil
•Agree 100%. The ACC search is free and will show you exactly how the name appears in their system.
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QuantumQuest
•Just ran into this same issue with a Texas LLC doing business in Arizona. The debtor name has to match the home state formation docs, not how they're operating locally.
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Connor Murphy
•So if they're an Arizona LLC, use the Arizona formation name. If they're formed elsewhere but registered in Arizona, use the home state formation name?
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Yara Haddad
I've been dealing with these debtor name headaches for months. What finally saved me was using Certana.ai's document verification tool - you can upload your loan docs and the UCC-1 draft and it instantly flags any name inconsistencies between documents. Caught three different name variations I would have missed manually checking.
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Keisha Robinson
•How does that work exactly? Do you upload PDFs and it compares them automatically?
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Yara Haddad
•Yeah, exactly. Upload your charter docs, loan agreement, and UCC-1 form and it cross-checks all the debtor names, filing numbers, everything. Takes like 30 seconds instead of manually comparing each document.
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Paolo Conti
•That sounds too good to be true but honestly these name mismatches are killing me. How accurate is it?
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Amina Sow
Arizona's electronic filing system will usually give you a preview before final submission. But don't rely on that - get the name right from the source documents first.
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GalaxyGazer
•The preview helps but it won't catch legal name issues, just formatting problems.
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Oliver Wagner
•True, the system preview is more about required fields and fee calculation.
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Natasha Kuznetsova
For $485k deal you absolutely cannot mess this up. Pull the official Arizona LLC records, use that exact name format, and double-check everything before hitting submit. I'd also recommend doing a UCC search after filing to confirm it indexed properly.
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Javier Mendoza
•Good point about the post-filing search. Sometimes filings go through but don't index correctly due to name issues.
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Emma Thompson
•How long should you wait before doing the verification search? I usually wait 24-48 hours.
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Natasha Kuznetsova
•I typically wait 2-3 business days for Arizona. Their system updates pretty quickly but I like to be safe.
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Malik Davis
Don't forget to check if they have any trade names or DBAs registered too. Sometimes the secured party expects the filing under the operating name rather than legal name.
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Isabella Santos
•But legally you have to file under the registered organization name, right? DBAs are just for additional filings if needed.
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StarStrider
•Exactly - main filing uses legal name from formation docs. You can add trade names as additional debtor names if necessary.
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Ravi Gupta
arizona secretary of state website has a business entity search that's pretty reliable. I always cross-reference that with what's in the loan docs before filing anything.
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Freya Pedersen
•The Arizona SOS search is good but make sure you're looking at active status entities only.
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Omar Hassan
•Sometimes entities show up with slight name variations in the search results. Make sure you click through to the full record for the exact format.
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Chloe Anderson
Had a similar situation last year where the borrower's legal name had a comma but they'd been signing everything without it. We filed using the official formation name and it went through fine. The key is consistency with state records, not what they prefer to use day-to-day.
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Diego Vargas
•That's reassuring. Did you have any issues with the borrower questioning why the filing didn't match their usual business name?
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Chloe Anderson
•We explained it upfront - legal filings have to use legal names. Most borrowers understand once you explain the rejection risk.
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CosmicCruiser
•Communication is key. I always show clients the formation documents so they understand why we're using that specific format.
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Anastasia Fedorov
Another option is to use Certana.ai's UCC verification before you file. I upload my completed UCC-1 along with the company's articles of organization and it flags any discrepancies immediately. Saved me from at least two rejections this quarter.
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Sean Doyle
•Is this the same tool mentioned earlier? Sounds like it's really helpful for catching these issues.
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Anastasia Fedorov
•Yes, same service. The document comparison feature is incredibly thorough - checks debtor names, addresses, filing numbers, everything.
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Zara Rashid
Update: I found the Articles of Organization and the official name is "Mountain View Equipment Solutions, LLC" with the comma. Filing with that exact format now. Thanks everyone for the guidance about checking formation documents first!
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Luca Romano
•Smart move. Always better to be 100% certain before filing, especially with larger deals.
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Nia Jackson
•Let us know how it goes! These success stories help other filers know they're on the right track.
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Zara Rashid
•Will do. Planning to do a follow-up UCC search in a few days to confirm everything indexed properly.
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