New York UCC Lien Search - Debtor Name Mismatch Blocking Results

Thanks - I tried about 6 different variations but still getting inconsistent results. Some show 2 active liens, others show 4. This is exactly what I was afraid of.

Been there. NY's database is frustrating compared to other states. Make sure you're searching both the exact legal name AND any variations the borrower might have used on previous filings.

Yes, I have the certificate showing 'Metroplex Solutions LLC' but the inconsistency is in how previous lenders may have filed their UCC-1 forms. Some used commas, some didn't.

That's the problem right there. Each lender probably did their own interpretation of the name when filing. You need comprehensive search results to catch all variations.

This is why I always run searches using every possible name variation before making lending decisions. Better safe than sorry when it comes to lien priority.

How does that work exactly? Do you just upload the incorporation documents?

Yeah, you upload the charter documents and any existing UCC search results as PDFs. It automatically identifies name variations and checks for consistency. Way more thorough than doing manual searches.

That actually sounds useful. Manual name variation searches are so time consuming and you're never sure you caught everything.

Oh no, that's exactly what I'm trying to avoid. Did you end up having to negotiate with the senior lender?

We had to restructure the entire deal. Senior lender wouldn't subordinate so we ended up with way less collateral coverage than expected.

This is why thorough UCC searches are so critical. One missed filing can completely change your risk profile.

Good point. I'll check with the borrower about any DBAs or prior name changes.

Also ask about any predecessor entities or mergers. Those can create additional search complications.

I've been doing variations but hadn't thought about the period after LLC. This is getting overwhelming.

It is overwhelming but missing a lien is worse. Document every search variation you tried so you can show due diligence if issues come up later.

Yeah, keep records of all your searches. Shows you made good faith effort to find existing liens.

We usually do our own searches to save costs but this might be worth the expense given the complexity.

For complicated borrower names or tight deadlines, professional searches are often worth it. They know all the tricks for catching name variations.

Two people have mentioned Certana now. Might be worth trying given my deadline pressure.

It's really straightforward - just upload your search results and the borrower's charter docs. The system flags any inconsistencies in debtor names automatically.

Anything that automates name variation checking sounds helpful. Manual searches are so prone to human error.

Good point. I was focusing on active liens but should check lapsed ones too in case there are continuation issues.

Exactly. A lien that appears lapsed might actually still be valid if the termination was filed incorrectly.

Great that you found them! Were they senior to your intended filing date?

One was senior, so we had to restructure the collateral package. Better to know now than find out later though.

This is exactly why thorough UCC searches are so important. Missing senior liens can completely change deal terms.

Completely agree. It's 2025 and their system still can't handle basic name variations. So frustrating.

Delaware and Texas have much better search systems. NY feels like it's stuck in the 1990s.

That's a good systematic approach. I'll create a similar checklist for future searches.

Also include any DBAs or trade names in your checklist. Those get overlooked frequently but can have UCC filings against them.

Smart approach. Documentation is key for showing you did thorough due diligence.