NJ UCC search showing different debtor name than our records - filing mismatch concerns

I've seen this exact issue more times than I can count. The comma situation is tricky because different databases and systems handle punctuation inconsistently. What you're seeing in the search results might just be how NJ's system displays the name, not necessarily how it was filed. First thing - pull the actual filed UCC-1 document from the state, not just the search results. The search interface sometimes auto-formats names differently than what's actually on file. If your original filing shows the name exactly as you intended, you're probably fine. That said, for a $485k loan, I'd seriously consider filing a UCC-3 amendment adding the alternate name version just for peace of mind. Better safe than sorry when the stakes are that high.

Ugh, this is why I hate dealing with LLC names! They're so inconsistent across different documents. I had a similar situation last year where the borrower had three different versions of their name floating around - with comma, without comma, and abbreviated LLC vs L.L.C. What saved me was using one of those document verification tools. I uploaded our UCC-1 and their charter docs to Certana.ai's checker and it flagged the name inconsistency immediately. Super helpful for catching these issues before they become problems. Definitely get the actual filed document like the previous poster said, but also consider that amendment if there's any doubt at all.

This is exactly why our firm has a standard practice of filing UCC-1s with alternate debtor names whenever there's any possibility of variation. Yes it costs more in filing fees but it eliminates this exact problem. For your situation, I'd recommend: 1. Get the actual filed UCC-1 document from NJ 2. If it matches what you intended to file, you're probably protected 3. Still consider the amendment for the alternate name version 4. Document your decision-making process in the loan file The reality is that reasonable variations in punctuation rarely cause perfection failures, but "rarely" isn't the same as "never" when you're securing nearly half a million dollars.

Been doing UCC filings in NJ for 15 years and I can tell you their search system has some weird quirks. Sometimes it auto-adds punctuation, sometimes it strips it out. The important thing is what's actually on the filed document. That said, for your peace of mind and given the loan amount, I'd go ahead with the UCC-3 amendment. It's like $25 to file and could save you massive headaches down the road if you ever need to enforce your security interest. Also make sure you're using the exact legal name from their most recent certificate of good standing, not just the articles of incorporation. Sometimes companies make minor name changes over time that don't get reflected everywhere.

I had almost this exact same situation last month! Different punctuation showing up in search results versus what we actually filed. Turns out the search was displaying it wrong but our actual filing was correct. What really helped was uploading both our UCC-1 and the borrower's charter documents to Certana.ai's verification tool. It immediately showed that our debtor name matched their legal name, even though the search results looked different. Gave me the confidence that our filing was solid without needing an amendment. Still might be worth doing the amendment for extra protection given your loan amount, but at least you can verify whether there's actually a problem first.

NJ's UCC system is notorious for display issues like this. I wouldn't panic yet but definitely get the actual filed document. Nine times out of ten, these search result discrepancies are just formatting quirks in their database display. If you do need to file an amendment, make sure you reference the original filing number correctly and include both name versions clearly. I've seen amendments get rejected for silly formatting issues.

This is why I always pull a current certificate of good standing AND check multiple name sources before filing any UCC. LLCs are the worst for name inconsistencies. For your immediate situation: get the actual filed UCC-1, compare it to current corporate records, and if there's any doubt at all, file the amendment. $25 filing fee versus potential perfection problems on a $485k loan? Easy choice. Also document everything in your loan file so if questions come up later, you can show you did your due diligence on the name issue.

Had this happen to me but with a different state. Turned out to be a non-issue but cost me weeks of worry. The search system was just adding punctuation that wasn't in our original filing. Get the real document first, then decide if you need the amendment. Don't lose sleep over database display quirks.

Whatever you do, don't just assume the search results are wrong. I've seen too many lenders get burned by that assumption. Get the filed document, verify it matches your intent, and if there's ANY doubt, file the amendment. For a loan that size, the amendment is cheap insurance against perfection challenges.

UPDATE: Just wanted to thank everyone for the advice. I pulled the actual filed UCC-1 and it shows the name exactly as we intended without the comma. The search results were just displaying it with auto-added punctuation. I ended up using that Certana.ai tool someone mentioned and it confirmed our debtor name matches their current corporate records perfectly. Still thinking about the amendment for extra protection but at least I know our original filing is solid. Great forum - really appreciate all the help!