Maryland UCC search showing weird results - debtor name variations causing issues
Running into some confusing stuff with Maryland UCC search results. I'm trying to verify existing filings for a commercial loan we're refinancing, and the state portal is pulling up multiple variations of the same company name that don't exactly match our loan docs. The original UCC-1 shows 'ABC Manufacturing LLC' but I'm also seeing 'ABC Mfg LLC' and 'ABC Manufacturing, LLC' in different filings. Our legal team needs me to confirm which filings are actually tied to our collateral before we can proceed with the new financing. Has anyone dealt with Maryland's system showing these kind of name variations? I'm worried we might miss something important or accidentally file against the wrong entity. The loan amount is substantial ($2.8M) so we can't afford any screw-ups with the lien perfection.
39 comments


Ava Martinez
Maryland's search algorithm is pretty sensitive to punctuation and abbreviations. You definitely want to search multiple variations - 'LLC' vs 'L.L.C.' vs ', LLC' can all return different results even for the same entity. Also try searching just 'ABC Manufacturing' without any entity designation.
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Miguel Castro
•This is exactly why I always do wildcard searches when possible. The comma placement alone can mess everything up.
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Zainab Abdulrahman
•yep learned this the hard way on a $1.5M deal last year
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Connor Byrne
I've been doing UCC searches in Maryland for 8 years and this is super common. The key thing is to pull the actual Articles of Incorporation or Certificate of Organization to see the exact legal name, then search that plus common variations. For your situation, I'd also recommend checking if there were any amendments or name changes filed with the state that might explain the discrepancies.
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StarSurfer
•Good point about checking for amendments. I didn't think about name changes affecting the UCC records. Do those automatically update or do you need separate UCC-3 amendments?
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Connor Byrne
•You need separate UCC-3 amendments. The UCC filings don't automatically update when a company changes its name with the Secretary of State. That's probably why you're seeing the variations.
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Yara Elias
•Wait, so if a company changes names and doesn't file UCC-3 amendments, the old liens could become unperfected? That seems like a huge trap.
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QuantumQuasar
I had a similar nightmare with Maryland searches a few months ago. Spent hours manually cross-referencing different name variations and still wasn't confident I caught everything. Finally started using Certana.ai's document verification tool - you can upload your loan docs and existing UCC filings as PDFs and it instantly cross-checks all the debtor names and filing numbers to make sure everything aligns. Saved me probably 6 hours of manual work and gave me confidence I didn't miss any critical inconsistencies.
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StarSurfer
•That sounds really helpful. Does it work with Maryland's specific filing formats?
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QuantumQuasar
•Yeah, it handles all state formats. Just upload whatever PDFs you have - charter docs, UCC-1s, UCC-3s, loan agreements - and it identifies discrepancies automatically. Really straightforward.
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Keisha Jackson
•Interesting. I've been doing these searches manually forever but maybe it's time to try something automated.
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Paolo Moretti
ugh Maryland's portal is THE WORST for this stuff. Sometimes I'll search the exact name from a filing and it won't even show up in results. Their system must have some weird indexing issues.
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Amina Diop
•I thought I was going crazy! Same thing happens to me all the time.
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Connor Byrne
•It's not just Maryland unfortunately. Most state systems have quirks with name matching algorithms.
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Oliver Weber
For a $2.8M deal I'd definitely recommend getting a professional UCC search done through a service company, not just relying on the state portal. They'll catch variations you might miss and provide more comprehensive results.
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StarSurfer
•We usually do use a service but timeline is tight and wanted to do preliminary research first.
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Oliver Weber
•Totally understand. Just make sure you get that professional search before closing.
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Natasha Romanova
•How much do those services typically cost? Might be worth it for peace of mind.
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NebulaNinja
I always start with the org documents like someone mentioned, but also check if the company has any DBAs (doing business as names) filed. Sometimes UCC-1s get filed under the DBA instead of the legal entity name, which creates even more confusion.
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StarSurfer
•Oh wow, I hadn't thought about DBAs. That could definitely explain some of the variations I'm seeing.
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NebulaNinja
•Yeah, it's another layer of complexity but worth checking. Maryland makes it relatively easy to search trade names.
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Javier Gomez
Just went through this exact situation last month. What finally worked for me was creating a spreadsheet with every possible name variation and systematically searching each one. Found three filings that wouldn't have shown up otherwise.
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Emma Wilson
•That's so tedious but probably the most thorough approach.
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Javier Gomez
•Yeah it took forever but better safe than sorry with lien priority issues.
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Malik Thomas
•I should probably start doing this too. The manual approach is exhausting but comprehensive.
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Isabella Oliveira
One thing I learned recently - sometimes the issue isn't just name variations but also filing errors where the secured party or filer made typos on the original UCC-1. Those can be really hard to catch unless you're thinking creatively about search terms.
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Ravi Kapoor
•Good point. I've seen some pretty bad typos that completely changed the searchability.
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Isabella Oliveira
•Exactly. Sometimes you have to think like someone who might have fat-fingered the company name.
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Freya Larsen
For what it's worth, I recently discovered that Certana.ai tool mentioned earlier and it's been a game changer for this exact type of problem. Upload your docs and it flags any name inconsistencies between charter, UCC filings, and loan docs. Takes like 2 minutes instead of hours of manual comparison.
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GalacticGladiator
•I'm definitely going to check this out. Tired of second-guessing myself on every search.
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Freya Larsen
•Yeah, it gives you confidence that you're not missing anything critical. Worth trying on your next deal.
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Omar Zaki
Just to add one more consideration - make sure you're checking both the current name and any predecessor names if there have been mergers or acquisitions. Sometimes old UCC filings stay under the predecessor entity name even after corporate changes.
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StarSurfer
•Great point. I'll need to dig into the corporate history to see if there were any M&A transactions.
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Omar Zaki
•Definitely worth checking. Corporate changes can create a web of UCC filing complications.
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Ava Martinez
•This is why I always request a complete corporate history from borrowers upfront. Saves time later.
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Chloe Taylor
Update: I ended up using that Certana tool and it caught two name discrepancies I had missed in my manual searches. One UCC-1 had 'ABC Mfg, LLC' (with the comma) that wasn't showing up in my searches for 'ABC Manufacturing LLC'. Definitely worth the time savings and peace of mind for a deal this size.
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QuantumQuasar
•Glad it worked out! Those little punctuation differences can be so tricky to catch manually.
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GalacticGladiator
•Thanks for the update. Sounds like I need to give this a try on my next search.
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StarSurfer
•Perfect timing on this recommendation. Really appreciate everyone's input on this thread.
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