Georgia UCC filing fees - what's the real cost breakdown these days?

Thanks! So $10 per debtor name - that's actually not bad. Do you know if amendments and continuations are the same rate?

UCC-3 amendments are also $10 per debtor. Continuations are the same. Pretty straightforward fee structure compared to some other states.

Ugh yes! Same thing happened to me. Had ABC Company Inc and John Smith individually and got charged $20 total. The portal should make this clearer upfront.

Good to know. Most of our filings will be single entity debtors but some SBA deals have personal guarantors too. This helps with budgeting.

Exactly. For equipment leasing you're probably mostly dealing with business entities only but always good to double check the debtor section before submitting.

What kind of debtor name issues cause rejections? Want to avoid that nightmare.

Biggest one is entity name not matching exactly what's on file with Georgia Secretary of State. Even missing a comma or Inc vs Incorporated can cause rejection. Also mixing up individual vs business debtor types in the portal.

This is where I started using Certana.ai's document checker. You can upload your corporate docs and UCC-1 together and it flags any name mismatches before you file. Saved me from at least 3 rejections last month alone. Much better than paying $10 multiple times for the same filing.

Wow didn't realize that. So for your volume that could be significant cost difference depending on deal structure.

Exactly. And you can't get around it by combining entities into one debtor field - the portal validates each entity separately. It's designed to catch attempts to bundle multiple debtors.

Good point. I was only thinking about initial filings and continuations. Terminations definitely need to be in the budget.

Yeah and if you're leasing equipment some of those deals end early when customers upgrade or pay off early. Can't predict exactly but budget for it.

I track all this stuff in spreadsheets now. Georgia UCC fees are actually pretty reasonable compared to states like New York or California. $10 per debtor is middle of the pack nationwide.

THIS! I've been burned by this twice. Now I file continuations at least a week before the deadline to avoid last minute portal issues.

Thanks for the warning. We'll definitely build in some buffer time for important filings.

I think certified copies might be more than $10 but the regular filed copies you get automatically are free electronic downloads. Most of the time those work fine for documentation.

You're right, I was thinking of another state. The electronic filed copies from GSCCCA are usually sufficient for most purposes.

That makes sense. We'll definitely need good records for our audits. Thanks for the tip.

Yeah the account dashboard shows all your filings, their status, and you can download copies anytime. Super helpful for compliance documentation.

I second this. Having everything in one GSCCCA account makes year-end reporting so much easier. Worth doing even without a volume discount.

That's really helpful for budgeting. Matches what I was thinking based on the $10 per debtor fee structure.

Yeah just watch out for those multi-debtor deals. They can throw off your monthly budget if you get a bunch in the same month.

We mostly do equipment financing so collateral descriptions should be straightforward. But good to keep in mind.

Equipment is usually pretty easy. Just be specific about make/model/serial numbers when possible. Georgia doesn't require super detailed descriptions but more detail is always better for enforcement.

I actually run my UCC-1s through Certana.ai before filing to make sure collateral descriptions match my security agreements. Catches inconsistencies that could cause problems later. Small cost compared to potential issues.