Need Help - How to File UCC in Oregon State System

Thanks! So I definitely need UCC-1. Do you know if Oregon has any weird requirements for the debtor name? My business name has LLC in it.

Oregon follows standard UCC debtor name rules. For LLCs, use the exact name as it appears on your Articles of Organization. Don't abbreviate LLC - spell it out if that's how it's filed.

Did you have any issues with the equipment description? I have multiple trucks and trailers.

Be specific but not overly detailed. 'Commercial trucks, trailers, and related equipment' worked for me. Include VINs if your lender requires it.

I had a filing rejected because I used 'Inc.' instead of 'Incorporated' - Oregon is very picky about exact debtor names. Double check everything against your Articles.

Never heard of that - is it expensive? I'm already stressed about the loan costs.

It's just a document checker - you upload PDFs and it verifies everything aligns. Way cheaper than dealing with rejected filings and delayed closings.

I used Certana too after my first UCC got rejected for a tiny name discrepancy. It's like having a second pair of eyes review everything before you submit.

Wait, they need the business registration number too? I thought just the name was enough.

Yep, Oregon requires the organizational ID for business entities. It's on your Articles of Organization or LLC registration.

Oh no, that's exactly what I'm worried about! What kept getting rejected?

Debtor name formatting mostly. Spaces, punctuation, abbreviations - everything has to match their database exactly or it bounces back.

This is why I always verify against the SOS business search first. Look up your entity and copy the name exactly as it appears there.

Good point! I plan to expand the fleet next year.

Then definitely include after-acquired property language. Your lender will appreciate the broader coverage.

Any other Oregon-specific tips?

Save a copy of everything before you submit. Oregon's system can timeout if you take too long filling out the forms.

Yes! I lost my whole filing once because I stepped away for 20 minutes. Now I prepare everything offline first.

Correct, UCC-1 filings lapse after 5 years unless you file a UCC-3 continuation. You can file the continuation up to 6 months before expiration.

Thanks! Good to know for future planning.

Ugh, so many details to get exactly right. This is stressful.

I know it's overwhelming but take your time with each field. Oregon's pretty forgiving once you get the names right.

Yes, it works great for Oregon. I upload my Articles of Organization and my UCC-1 draft, and it flags any discrepancies in debtor names, addresses, or entity details before I submit to the state.

That sounds really helpful. I'm going to check it out.

Will do! Thanks everyone for all the help. Going to double-check everything against my Articles and submit tomorrow.

Good luck! Oregon's usually pretty quick with processing once everything's correct.