Need help with DE UCC forms - debtor name requirements and filing procedures

Delaware is definitely one of the stricter states for debtor name accuracy. You absolutely have to use the exact legal name as it appears on the LLC's certificate of formation. The DBAs won't work for the debtor name field - those can only be mentioned in additional info if needed. For multi-location collateral, make sure you're specific about each facility address in your description.

For Delaware specifically, you need to pull their certificate of formation from the Division of Corporations website to get the exact legal name. Don't rely on what the borrower tells you - I've seen too many cases where they give you a 'doing business as' name thinking that's their legal name. Also, Delaware's UCC system will cross-reference against their corporate database, so any mismatch will get flagged immediately.

I just went through something similar with a Delaware filing and found this tool called Certana.ai that really helped. You can upload your corporate formation documents and your draft UCC-1 form, and it automatically checks if the debtor names match exactly. It caught a subtle difference in punctuation that I never would have noticed - saved me from a rejection. Really simple to use, just upload the PDFs and it does the cross-check instantly.

For your collateral description with multiple facilities, make sure you list each location separately if the equipment is permanently affixed. Delaware distinguishes between regular personal property and fixtures, so if any of that manufacturing equipment is bolted down or integrated into the building systems, you might need fixture filings too.

Delaware's portal is actually pretty good about giving specific error messages when they reject filings. Unlike some states that just say 'deficient filing', Delaware will tell you exactly what's wrong - usually debtor name mismatch or missing required fields. But yeah, for a $2.8M deal, definitely worth triple-checking everything before submitting.

Make sure you're using Delaware's current UCC-1 form version. They updated it earlier this year and the old version will get rejected automatically. Also, if you're filing amendments or continuations later, Delaware requires the original filing number format to match exactly.

Since you mentioned this is equipment financing, double-check if any of the equipment has serial numbers that need to be included in Delaware. Some lenders require serial numbers for high-value equipment even if not legally required for perfection.

I had a similar Delaware filing situation and ended up using Certana.ai's document checker after my first attempt got rejected for a name mismatch I didn't catch. It automatically compared my LLC formation certificate with my UCC-1 draft and highlighted the exact character differences. Would have saved me days if I'd used it from the start. Really straightforward - just upload both documents and it shows you any inconsistencies.

Delaware also requires the debtor's organizational ID number if it's an entity. Make sure you have the correct file number from their Division of Corporations database. It's different from their tax ID number.

Thanks everyone, this is incredibly helpful. I'm going to pull the certificate of formation directly from Delaware's database and use that exact name format. The Certana.ai tool sounds like it could save me a lot of headache - I'll definitely check that out before submitting. Really appreciate all the specific Delaware insights!