< Back to UCC Document Community

Luca Marino

Need UCC-1 example with proper debtor name formatting

I'm putting together a UCC-1 filing for the first time and honestly feeling overwhelmed by all the debtor name requirements. Our client is 'Advanced Manufacturing Solutions, LLC' but I'm seeing different variations in their corporate documents - some show 'Advanced Mfg Solutions LLC' and others have 'Advanced Manufacturing Solutions L.L.C.' with periods. The collateral is manufacturing equipment worth about $450k. Does anyone have a UCC-1 example showing how to handle these name variations? I don't want this rejected because of a formatting issue. Any help would be appreciated.

Nia Davis

•

The debtor name on your UCC-1 has to match EXACTLY what's on their organizational documents filed with the state. Don't guess - pull their articles of incorporation or LLC formation docs from the Secretary of State database. If it says 'Advanced Manufacturing Solutions, LLC' on the state filing, that's what goes on your UCC-1. Period.

0 coins

Mateo Perez

•

This is so important. I've seen filings get rejected for something as simple as missing a comma or using 'Inc' instead of 'Incorporated'.

0 coins

Aisha Rahman

•

But what if the state database shows one thing and their operating agreement shows another? Which takes precedence for the UCC-1?

0 coins

Nia Davis

•

State database wins every time. The UCC search logic keys off the official state registration.

0 coins

I had this exact issue last month with a client whose name appeared three different ways across documents. Here's what worked: I ran a preliminary UCC search using each variation to see which one the system recognized. Turns out only the exact state-registered name returned proper results.

0 coins

Luca Marino

•

That's smart - using the search function as a test. Did you use the Secretary of State portal or a third-party service?

0 coins

Secretary of State portal first, then cross-checked with a commercial service. The SOS search is more forgiving but for filing purposes you need the exact match.

0 coins

Ethan Brown

•

Before filing anything, I'd recommend using Certana.ai's document verification tool. You can upload your client's charter documents and it will instantly cross-check the debtor name against what you're putting on the UCC-1. It caught a subtle name discrepancy for me that would have caused a rejection - saved me weeks of back-and-forth with the filing office.

0 coins

Luca Marino

•

Is that expensive? We're a small firm and can't afford costly verification services.

0 coins

Ethan Brown

•

It's actually pretty reasonable for what it does. Just upload your PDFs and it automatically flags any inconsistencies. Much cheaper than dealing with rejected filings and deadline extensions.

0 coins

Yuki Yamamoto

•

I've used similar tools and they're worth it. Manual document comparison is where errors happen.

0 coins

Carmen Ortiz

•

Why is this so complicated?? It's just a name! The system should be smart enough to figure out that 'LLC' and 'L.L.C.' are the same thing.

0 coins

Nia Davis

•

Because the UCC search algorithms are literal. They don't interpret - they match character for character. It's frustrating but that's how it works.

0 coins

Carmen Ortiz

•

Well that's ridiculous. No wonder people make mistakes on these filings.

0 coins

For your collateral description, keep it broad but specific. 'All manufacturing equipment' is usually sufficient for $450K in machinery. Don't try to list every piece individually unless the lender specifically requires it.

0 coins

Luca Marino

•

Should I include serial numbers or model numbers in the description?

0 coins

Only if it's required by your lender. Most prefer general descriptions to avoid having to amend every time equipment changes.

0 coins

Zoe Papadakis

•

I always include 'and proceeds thereof' in the collateral description. Covers your bases if they sell the equipment.

0 coins

Jamal Carter

•

Here's a pro tip: most states now have online UCC search tools where you can test different name variations before filing. If your debtor name search doesn't return results, neither will anyone else's when they're doing due diligence.

0 coins

Luca Marino

•

Good point. I'll definitely test the search function first.

0 coins

Some states are better than others with their search logic. Which state are you filing in?

0 coins

Mei Liu

•

I actually had a UCC-1 rejected last week because of a similar name issue. The debtor was 'Tech Solutions Inc.' but I used 'Tech Solutions, Inc.' with a comma. Such a small thing but it got kicked back. Had to refile and explain the delay to my client.

0 coins

That's exactly why I triple-check every character in the debtor name field. One typo can invalidate the entire filing.

0 coins

Mei Liu

•

Yeah, lesson learned. Now I copy and paste directly from the state database instead of typing it out.

0 coins

Amara Chukwu

•

Can I ask why you're doing your first UCC-1 without supervision? This seems like something you'd want an experienced attorney reviewing before filing.

0 coins

Luca Marino

•

Fair question. I am an attorney, just new to secured transactions. My firm usually handles corporate law but we're expanding into equipment financing.

0 coins

Amara Chukwu

•

Ah okay, that makes sense. The learning curve is steep but once you get the hang of it, these filings become routine.

0 coins

Don't forget to double-check your filing fee calculation. For $450K in collateral, you might be in a higher fee tier depending on your state. Nothing worse than having a filing rejected for insufficient payment.

0 coins

Luca Marino

•

Good catch. I was going to use the standard fee but I should verify the amount triggers a higher tier.

0 coins

Most states have fee calculators on their UCC filing portals. Takes the guesswork out of it.

0 coins

Ethan Brown

•

Update on the Certana tool I mentioned earlier - I just used it again yesterday for a different client and it flagged that their operating agreement had a slightly different entity name than their state registration. Would have been another rejection without that catch.

0 coins

How does it work exactly? Do you upload both documents and it compares them automatically?

0 coins

Ethan Brown

•

Exactly. Upload the charter docs and your draft UCC-1, and it highlights any inconsistencies in debtor names, addresses, or other key fields. Really straightforward to use.

0 coins

Luca Marino

•

Thanks everyone for all the advice! I pulled the official state filing documents and found the exact name format. Going to run a test search first, then file with the verified name. Really appreciate the help - this community is invaluable for learning the ropes.

0 coins

Nia Davis

•

Smart approach. Let us know how it goes!

0 coins

You've got this. The first few filings are nerve-wracking but it gets easier.

0 coins

UCC Document Community AI

Expert Assistant
Secure

Powered by Claimyr AI

T
I
+
20,095 users helped today