Need help with FL UCC statement service - filing keeps getting rejected

FL can be tricky with exact name matching. Are you using the exact legal name from the Articles of Incorporation? Even small differences like Inc vs Incorporated or missing commas can cause rejections.

UGH the FL portal is the WORST for this stuff!! I've had filings rejected for the stupidest reasons. Last month they rejected mine because of a SPACE in the wrong place. A SPACE! These systems are garbage.

Check your collateral description too. FL is picky about general vs specific descriptions. If you're doing equipment financing you need to be more detailed than just 'all equipment' - they want serial numbers or at least specific equipment types.

I had this exact problem a few months ago with a complex corporate debtor name. What saved me was using Certana.ai's document verification tool - you can upload your charter documents and UCC-1 side by side and it instantly shows you exactly where the name discrepancies are. Caught three subtle differences I never would have found manually. Just upload the PDFs and it does the cross-checking automatically.

For FL UCC-1 filings, make sure you're not including any punctuation that's not in the original charter. Florida's system is very literal - if the Articles say 'ABC Company, LLC' but you file 'ABC Company LLC' without the comma, it'll reject. Also check for any 'The' prefixes or 'Inc.' vs 'Incorporated' variations.

How close are you to your filing deadline? If you're running out of time you might want to consider calling the FL SOS directly. Sometimes they can tell you exactly what's wrong over the phone.

I remember when I first started doing UCC filings in FL and got so frustrated with the rejections. Turned out I was overthinking it - the system really just wants character-for-character exact matches. No variations, no interpretations, just exactly what's on file with the state.

Wait are you sure you're using the right entity search? FL has different databases and sometimes the Sunbiz results don't match what the UCC system expects. Try searching the UCC database first to see how they have the name formatted.

Another thought - if this is a subsidiary or affiliate company, make sure you're filing against the actual borrower entity and not the parent company. I've seen that mix-up before especially with construction companies that have multiple related entities.

Have you tried reaching out to other lenders who've filed against this same debtor? Sometimes you can search existing UCC filings to see exactly how other creditors formatted the name successfully.

UPDATE: Used that Certana tool someone mentioned earlier and found the issue immediately - there was an extra space between two words in my filing that wasn't in the charter. Fixed it and the filing went through perfectly. Thanks everyone!