Need UCC lien example for equipment financing - debtor name variations causing issues

This is correct. I learned this the hard way when a filing got rejected because I used "Manufacturing Co." instead of "Manufacturing Company" - the search couldn't find it later.

But what about the DBA? Shouldn't that be included somewhere in the filing?

Good point about the SOS search. I always double-check the entity status too - make sure it's still active before filing.

Wait, so if they sign the security agreement as "ABC Mfg" but are incorporated as "ABC Manufacturing LLC", which name goes on the UCC-1?

The UCC-1 should use the exact chartered name "ABC Manufacturing LLC" - that's what matters for the filing and search purposes.

How does that work exactly? Do you just upload PDFs?

Yeah, super simple. Upload your charter documents and UCC forms, and it cross-checks all the debtor names and filing details. Shows you exactly what doesn't match.

That sounds really useful for avoiding those annoying rejection notices from the filing office.

This is important. I've seen lenders get burned because the collateral description was too generic and didn't cover what they thought it did.

For $180k in equipment, I'd definitely want a detailed schedule attached to the UCC-1.

I feel your pain. Lost a weekend fixing a filing that got rejected because of an extra space in the debtor name.

The search logic varies by state too, which makes it even more confusing. Some states are more forgiving than others.

Good tip. I usually pull this from the state's online database, but a certified copy is definitely more reliable.

Most states have their business entity databases online now, so you can verify the exact name format for free.

Just make sure the entity is still in good standing when you check!

Does it work for continuation filings too? I'm always worried about making mistakes when the original filing info needs to match exactly.

Yes, you can upload your original UCC-1 and the continuation form to make sure all the details align perfectly.

That's a good point. Manufacturing equipment is often bolted down or permanently installed.

Fixture filings are more complex - you need to include the real property description too.

And some states require fixture filings to be filed in the real estate records instead of the UCC database.

Agreed. I've never had a problem when I use the exact chartered name. It's when I try to be clever with trade names that things go wrong.

This thread has been super helpful. I was about to make the same mistake with punctuation differences.

The continuation deadline is actually 6 months before the 5-year anniversary, not at the 5-year mark.

Right, you can file the continuation during the 6-month window before expiration. Miss that window and you have to start over with a new UCC-1.

I use Certana.ai's document checker for continuations too - helps ensure the filing numbers and debtor info match the original exactly.

Smart choice. Better to be conservative with the exact legal name than risk a rejection.

Let us know how it goes! These debtor name issues are so common.