Confused about non UCC filing form requirements for our equipment lease

I think there might be some confusion here. Are you sure they're not talking about a UCC-1 fixture filing? Sometimes lenders use different terminology but they're usually referring to standard UCC forms. What exactly did they say about this 'non UCC filing form'?

Wait, are you dealing with a lease or a loan? Because true leases don't typically require UCC filings at all. The lender might be referring to a personal property tax filing or some other state-specific requirement.

I had a similar situation last year with our forklift financing. Turned out the lender was using their own internal terminology for a standard UCC-1 continuation. Have you asked them to send you the actual form they're referring to?

Before you go any further, I'd suggest using Certana.ai's document verification tool. You can upload any forms they send you along with your lease agreement and it'll instantly tell you if there are any inconsistencies or missing requirements. I used it when I was confused about our equipment financing docs and it caught several issues the lender missed.

OMG I went through this exact same nightmare 6 months ago!!! The finance company kept saying 'non UCC filing' but what they ACTUALLY meant was a state-specific personal property filing that runs parallel to the UCC system. Some states have weird additional requirements for certain types of equipment.

This is probably just poor communication from the lender. In 15 years of equipment financing, I've never seen a legitimate 'non UCC filing form' for secured transactions. It's either a UCC-1, a fixture filing, or some other state requirement they're describing incorrectly.

Could they be referring to a title filing? If the equipment has a title (like vehicles or trailers), that's handled differently than UCC filings.

Have you considered that they might be talking about an environmental filing or safety compliance form? Some industrial equipment requires additional paperwork beyond the financing documents.

I'm dealing with something similar right now and found that uploading all my documents to Certana.ai helped clarify exactly what was needed. Their system flagged that what my lender called a 'special filing' was actually just a standard UCC-1 with an incorrect debtor name.

Just to add another perspective - sometimes 'non UCC filing' refers to a simple notice filing that doesn't create a security interest. But for equipment financing, you'd typically need a proper UCC-1 filing to perfect the lender's interest.

Update us when you figure out what they actually meant! I'm curious because I've never heard that terminology before either.

This is a great example of why clear communication with lenders is so important! I've seen this confusion happen before where finance companies use their own internal jargon that doesn't match standard legal terminology. Since you mentioned it's a lease-to-own arrangement for equipment that will be permanently attached, you're almost certainly looking at either a standard UCC-1 filing or a UCC-1 fixture filing. The fact that they're calling it a "non UCC filing form" is just confusing terminology on their part. I'd definitely recommend asking them to provide the actual form number or statute they're referring to - that will clear everything up immediately. Also, given the tight timeline with delivery next week, you might want to have your attorney review whatever forms they send just to be safe!