Fixture filing UCC form rejected - what am I missing?

Wait, I filed with the state SOS office like all my other UCC-1s. Are you saying fixture filings go to the county recorder?

Depends on your state but most require county filing for fixtures. State UCC office handles regular personal property, county handles anything attached to real estate.

Oh man, the lease is under 'Downtown Bistro LLC' but their business registration might be slightly different. How do I figure out the exact name for real estate records?

Check the county assessor's records online. Search by property address and see exactly how the tenant/lessee name appears. Has to match character for character.

This is why I always run everything through document verification first. Too many ways to mess up the name matching between different records.

Never heard of that service. Does it actually catch the name matching issues between real estate records and UCC forms?

Yeah, it cross-references debtor names across all your uploaded documents. Shows you exactly where the discrepancies are so you can fix them before filing.

That sounds too good to be true. These filing systems are so finicky, how can software catch everything?

The property is just a standard commercial building downtown. Do I really need a full survey description for restaurant equipment?

If it's attached to the real estate, yes. The filing office needs to be able to locate the exact property where the fixtures are located.

Same here. Lost a deal once because I couldn't get the fixture filing right in time. The equipment was clearly attached but the paperwork requirements are insane.

At least you found out before closing. I've seen deals fall apart at the table because of fixture filing issues.

I used the standard UCC-1 but checked the fixture filing box. Is there more to it than that?

Some states require additional information like the record owner of the real estate or specific fixture descriptions. Check your state's UCC office website for fixture filing requirements.

This is getting complicated. Maybe just hire a UCC service company to handle it?

Good point. The walk-in freezer is definitely attached but some of the smaller equipment probably isn't. Do I need separate filings?

You can include both in one filing but be specific about which items are fixtures. 'All restaurant equipment located at [address], including but not limited to walk-in freezer, ventilation system, and built-in prep stations attached to the real estate.

Glad it worked! These name matching issues are so easy to miss when you're doing it manually.

That's encouraging. I'm going to try the document checker too. Can't afford another rejection with this timeline.

It's a single building in one county. But now I'm second-guessing whether I should have filed with county recorder instead of state SOS.

Look up your state's fixture filing requirements. Most states require county filing but a few handle fixtures through the state UCC office.

This is why the UCC system is so confusing. Every state does things differently.

This is super helpful. I think I hit at least 2-3 of those mistakes. Going to start over with the county records research.

Wish someone had told me this before I wasted three weeks on rejected filings last year.

The real estate description is the trickiest part. Sometimes you need to get the exact language from the county assessor's office.