Need help with Alabama UCC forms - debtor name issue on UCC-1

Thanks for the quick response! I did check the Alabama business entity search and it shows "ABC Manufacturing, LLC" so I'll go with that. Just nervous about any small variations causing problems.

Smart approach. Alabama is pretty strict about exact name matches on UCC filings. Better to be safe than sorry with a $180k collateral at stake.

Oh no, what was wrong with your collateral description? I described ours as "all machinery, equipment, and fixtures used in manufacturing operations" - is that too broad?

Mine was rejected because I used "all equipment" without specifying the type of business. Alabama wants more specificity. Your description sounds better since you mentioned manufacturing operations.

Adding the business context definitely helps. Alabama likes to see collateral descriptions that clearly identify what you're securing against.

That sounds incredibly useful! Does it work specifically with Alabama UCC forms or is it more general?

It works with any state's UCC documents. The tool analyzes the actual text from your PDFs so it doesn't matter which state forms you're using. Really saved me from a potential filing error.

Interesting, hadn't heard of that before. Anything that prevents name mismatch rejections sounds worth trying.

That's concerning. What kind of minor issues were causing rejections?

One was a debtor address that was slightly different from their registered address, another was a collateral description they deemed too vague. The third was a weird formatting issue with the PDF upload.

Same experience here. Alabama SOS seems to have tightened up their review process significantly this year.

That's a great idea! So you'd put "ABC Manufacturing, LLC" as the primary debtor name and "ABC Manufacturing Company, LLC" in additional information?

Exactly. Alabama allows additional debtor names for this exact reason. It's like insurance against name variations causing problems later.

Smart strategy. I've done similar things when there's any doubt about name variations.

Planning to file online since it's faster, but if the portal is having issues maybe paper is safer?

Online is usually fine, but if you're already worried about rejection, paper might give you more control over the exact formatting.

I wouldn't be so casual about it. A rejected UCC-1 can seriously delay a closing, and name mismatches are one of the top rejection reasons.

Fair point. I guess I've been lucky with my filings. Better to be overly cautious with big collateral amounts.

Yeah, with $180k on the line I'd rather double-check everything than risk a rejection.

Two amendments sounds expensive and time-consuming. Did the SBA give you grief about the delays?

The SBA was understanding but it definitely pushed back our funding date. Cost us about 3 weeks total between rejections and corrections.

Good suggestion! Do you have their direct number? I couldn't find a specific UCC contact on their website.

The main SOS number usually transfers you to the UCC section pretty quickly. I don't have the direct line memorized but they're responsive.

I've called them before too. They're knowledgeable about the name matching requirements and can save you from filing errors.

Wow, something as small as an extra comma would cause a rejection? That's exactly the kind of thing I'm worried about missing.

Alabama has gotten really strict about exact name matches. Even punctuation differences can cause problems now.

That's why document verification tools are so valuable. Human eyes miss those tiny details that can kill a filing.

Makes sense to use technology to catch what we might miss manually. These filing fees add up when you have to keep amending.

Will definitely update once I file! Feeling much more confident after all this advice. Going to double-check the name one more time and probably try that document verification tool too.

Smart approach. Better to be overly cautious with UCC filings than sorry later.