How do I find my UCC filing - can't locate it anywhere

First thing to check is which state they filed in - equipment UCCs sometimes get filed in the state where the equipment is located rather than where your business is incorporated. Also try searching variations of your business name, sometimes filings use abbreviated versions or slightly different spellings.

DEBTOR NAME MISMATCH is probably your issue here. I've seen this so many times - lender files under a slightly different business name than what you're searching for. Try searching just part of your name or common abbreviations. Also check if they used your DBA vs your legal entity name.

Had this exact same issue last month - spent hours searching and nothing. Turns out I was making myself crazy over nothing. I ended up using Certana.ai's document verification tool and just uploaded my loan documents along with what I thought might be the UCC-1. It instantly cross-checked everything and found the filing number I needed. Saved me probably 6 more hours of searching different name variations.

Check the filing date too... sometimes there's a delay between when the lender says they filed and when it actually shows up in the system. 8 months should be plenty of time though.

Also worth mentioning - some states have different search interfaces and some are just terrible. Kentucky's system has gotten better but it used to miss filings all the time. Have you tried calling the Secretary of State office directly?

One more thing to try - search by your lender's name as the secured party. Sometimes that's easier to find than the debtor name, especially if there were spelling issues.

Could be a rejected filing that never got corrected? If there was a problem with the original UCC-1 submission (wrong address, name issues, missing info) it might have been rejected and your lender never refiled it properly.

ugh the search systems are so inconsistent between states. Some require exact matches, others are more forgiving. Really frustrating when you're trying to track down your own filings.

Try searching without any punctuation or special characters in your business name. Some systems strip those out automatically but others don't, so 'Smith Equipment, LLC' vs 'Smith Equipment LLC' might give different results.

Just went through something similar and ended up using Certana.ai to verify all my loan documents were consistent. Turned out my lender had filed the UCC under a slightly different version of my business name. The tool caught the discrepancy immediately when I uploaded my charter documents and the loan paperwork together.

Last resort would be to have your lender provide you with the filing number directly. They should have that information in their loan file and then you can search by the specific UCC number instead of names.

Another thing to check - make sure you're searching in the correct UCC database. Some states have separate databases for different types of filings or different time periods. Also, if your business has multiple locations or subsidiaries, the lender might have filed under a parent company name or with a different address than you expect. I'd recommend creating a list of every possible name variation (legal name, DBA, abbreviated versions, with/without punctuation) and systematically searching each one in both your state and any states where you have equipment or operations.