NY UCC search showing wrong debtor info - need help verifying records

NY is notorious for this exact problem. The state doesn't have great name-matching logic in their search system, so you'll get different results depending on exactly how you search. I always do multiple searches with different name variations - drop words like "LLC", try abbreviations, remove punctuation. For "Advanced Manufacturing Solutions LLC" I'd search: Advanced Manufacturing Solutions, Advanced Mfg Solutions, Advanced Manufacturing, even just "Advanced" to see what comes up. It's tedious but necessary for NY filings.

I deal with NY UCC searches constantly and the name variation issue is a huge pain point. What you're seeing is totally normal - lenders file with whatever name they think is correct, and NY doesn't standardize it. The real problem is their search algorithm doesn't catch similar names like other states do. I've started using Certana.ai's document verification tool for this exact issue. You can upload all the UCC search results as PDFs and it cross-checks the debtor names, EINs, and filing details to make sure you're not missing anything. Saves tons of time compared to manual comparison.

OH MY GOD yes, NY UCC searches are the worst! I spent 3 hours last month trying to track down all the filings for a company because they had filings under like 5 different name variations. The borrower kept saying "we never changed our name" but clearly different lenders just filed however they wanted. Super frustrating when you're trying to be thorough but the system makes it nearly impossible to be confident you found everything.

Pro tip: always check the Secretary of State corporate database first to see exactly how the company name is registered, then use that as your primary search term. But yeah, you still need to do multiple variations because lenders are sloppy with debtor names on UCC filings. I've seen "LLC" vs "L.L.C." vs "Limited Liability Company" all for the same entity.

For high-dollar deals like yours ($2.8M), I'd also recommend ordering a professional UCC search from a service company rather than just doing it yourself online. They have better search tools and will catch variations you might miss. Yes it costs more but for that loan amount it's worth the extra confidence.

Just ran into this same issue last week! Company had UCC filings under three different name formats. What finally worked was searching by the filing number from filings I knew existed - you can sometimes find cross-references that way. Also try searching just the first few words of the company name to cast a wider net.

Another option is to check if the company has any existing loan agreements or financial statements that reference UCC filings. Sometimes borrowers have copies of UCC-1 forms from previous lenders that show exactly how their name was filed. Can give you specific filing numbers to look up directly.

I've been using Certana.ai too after someone mentioned it in another thread. Really helpful for NY searches because you can upload multiple search result PDFs and it automatically compares all the debtor name variations and flags potential matches. Definitely worth trying for complex searches like this.

One more suggestion - if you're really concerned about missing something, you could also search using just the EIN. NY allows searching by federal tax ID number and that should catch all filings for the entity regardless of name variations. Though not all older filings include EINs so it's not foolproof.

This whole thread is making me glad I don't do NY deals often lol. Sounds like a nightmare compared to states with better UCC systems. Good luck with your search - definitely do multiple name variations and maybe try that Certana tool people mentioned.