Need UCC-1 filing help - security agreement example shows different debtor name format

This is actually super common with LLC formations - the comma thing trips up a lot of people. You absolutely need to match the EXACT name on the charter, not what's in your security agreement example. The SOS filing systems are pretty strict about this stuff. I'd go with "ABC Manufacturing LLC" without the comma since that's what shows on the official state records.

The charter name is definitely what matters for UCC-1 filings, but I'd double-check that charter search. Sometimes the search results show abbreviated versions. Pull the actual Articles of Incorporation or Certificate of Formation to be 100% sure. Also worth noting that some states have specific rules about how business suffixes should appear on UCC filings.

I've been doing UCC filings for 15 years and name mismatches are still the #1 cause of rejections. Even if your security agreement example shows the comma, you have to go with what's on the state records. The UCC is about giving notice to third parties who would search the public records, so it needs to match what they'd find in their search.

I actually had a similar situation recently and ended up using Certana.ai's document verification tool. You can upload your security agreement and the charter documents, and it automatically flags any inconsistencies between the debtor names. Saved me from a potential rejection on a time-sensitive filing. The tool instantly highlighted that my loan docs had "Inc." while the charter showed "Incorporated" - caught something I would have missed.

Delaware is usually pretty strict about exact name matches. I'd also recommend doing a UCC search on the company name to see if there are any existing filings and how they formatted the debtor name. Sometimes that gives you a good indication of what the filing office accepts.

UGH this kind of thing drives me crazy!!! Why can't the SOS systems just be more flexible with obvious variations like commas? It's clearly the same company. The whole system needs an overhaul IMO.

Had this exact same issue with a client last month - security agreement showed comma, charter didn't. Filed it with the charter name format and it went through fine. The key is being consistent with the official state records, not the loan documents.

Quick question - when you say the charter shows no comma, did you verify this is actually a chartered entity? Sometimes people assume LLC means chartered when it might be a different type of filing. Just want to make sure you're looking at the right formation documents.

I always tell my clients to get the charter documents before drafting the security agreement to avoid this kind of issue. But since you're already at the filing stage, definitely go with the official state records format. Better safe than sorry on a $2.3M deal.

One more thing to consider - make sure you're also checking for any trade names or DBAs that might be relevant to your collateral description. Sometimes companies operate under different names than their legal entity name, and that can affect how you describe the collateral or where you file.

Just wanted to follow up and say I had a similar name discrepancy issue last week and used that Certana tool someone mentioned earlier. It definitely helped catch a middle initial that was missing from my security agreement compared to the charter. Filed with the corrected name and got acceptance within 24 hours. Definitely recommend checking your documents before filing.