Livestock UCC filing got rejected - debtor name issue with ranch entity

The articles show 'Mountain View Ranch Holdings, LLC' but all the loan docs and banking stuff uses 'Mountain View Ranch, LLC' - dropped the Holdings part. Pretty sure that's what's causing the rejection.

Yeah that'll do it. The UCC requires exact match to the organizational documents. You'll need to either amend the loan docs or file using the exact corporate name from the articles.

How long did it take when you refiled with the correct name? I'm worried about the timing here.

Usually processes within 24-48 hours if you file electronically and everything else is correct. The livestock collateral description sounds fine from what you described.

Just make sure you're using the right continuation schedule for livestock. Some states have specific requirements for agricultural collateral that's mobile.

Never heard of that service. Is it expensive? We're already over budget on this deal.

It's actually pretty reasonable for document verification. The main value is catching these name mismatches before you file rather than dealing with rejections and delays. Just upload your PDFs and it cross-checks everything automatically.

That sounds useful for our firm too. Do they handle other document types or just UCC filings?

Tell me about it. This ranch has cattle spread across three counties and I'm not even sure how to handle that in the collateral description.

For mobile livestock you usually describe it generally - 'all cattle, horses, and livestock owned by debtor' rather than trying to specify locations. The key is making sure your security agreement covers movement between properties.

I feel your pain. Agricultural lending is tough enough without having to chase down corporate compliance issues.

Exactly! And then the borrower acts like it's YOUR fault when the filing gets rejected. Like, maybe keep your legal documents consistent?

At least with livestock you don't have to worry about fixture filing issues like you do with equipment. Small consolation I know.

Good point. I should verify that. The SOS rejection notice just said 'debtor name does not match organizational records' so I assumed it was the Holdings issue.

Worth double-checking. If they're not in good standing, you might need to get that resolved before any UCC filing will be accepted.

How do I check for DBA issues? This is getting more complicated than I thought.

Check with the county clerk where they do business. DBAs are usually filed at county level, not state level like the LLC.

Also check if they have any federal tax ID variations. Ranches sometimes have multiple entities for tax purposes.

That's the second mention of that service. Might be worth trying before I refile.

Definitely worth it for complex deals like livestock financing. The document cross-check feature catches stuff you might miss manually reviewing everything.

That's reassuring. I spent way too much time trying to perfect the collateral description when the name was probably the only issue.

Exactly. Get the debtor name exactly right first, then worry about collateral specifics. The SOS computers are picky about names but pretty flexible on collateral language.

True, but don't forget about continuation timing for livestock. The 5-year window goes by fast when you're dealing with operating lines.

Will do. Planning to refile tomorrow with the correct LLC name and see if that clears it up. Fingers crossed!

Good luck! Ranch financing can be rewarding once you get past the paperwork hurdles.

Agreed, and the relationships tend to be long-term if you can navigate the initial filing complexities.