Registered UCC Name Different from Legal Entity - Filing Rejection Help
Getting my UCC-1 rejected repeatedly and I think it's because the registered UCC name doesn't match exactly what I have on the debtor section. My borrower operates under "Mountain Peak Construction LLC" but their Articles of Incorporation show "Mountain Peak Construction, LLC" (with the comma). The SOS portal keeps kicking it back saying debtor name doesn't match registered records. I've tried both versions and still getting rejections. Has anyone dealt with this registered UCC name matching issue? Do I need to use the exact punctuation from the state records or is there some leeway? This is holding up a $450K equipment financing and my client is getting frustrated with the delays.
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Aisha Hussain
This is super common with LLC formations. The registered UCC name has to match EXACTLY what's on file with the Secretary of State. Even commas, periods, and spacing matter. Have you pulled the actual Articles from the state database to see the precise formatting?
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Mateo Martinez
•I thought I had the right version but maybe I'm looking at the wrong document. Where exactly do I find the official registered name format?
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Aisha Hussain
•Go directly to your state's SOS business entity search. Don't rely on what the borrower tells you or even what's on their business cards. The database will show the exact registered format.
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Ethan Clark
Had this exact problem last month with a debtor name that had "Inc." vs "Incorporated" - turns out the registered UCC name requirement is stricter than I thought. You might also want to check if there are any amendments to the original Articles that changed the name format.
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StarStrider
•Wait, amendments can change the registered name format? I didn't know that was a thing.
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Ethan Clark
•Yes! Companies can amend their Articles to change punctuation or abbreviations. Always check the most recent filing status.
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Mateo Martinez
•This is getting complicated. Is there a way to verify I have all the right information before filing again?
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Yuki Sato
I've been dealing with this registered UCC name matching nightmare for years. What saved me recently was using Certana.ai's document verification tool. You just upload your UCC-1 PDF along with the Articles of Incorporation and it instantly flags any name mismatches between documents. Caught three different punctuation errors I would have missed manually comparing.
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Mateo Martinez
•That sounds like exactly what I need. How does it work with different document types?
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Yuki Sato
•Super simple - you upload any combination of Charter documents, UCC-1s, UCC-3s and it cross-checks all the debtor names automatically. Shows you exactly where the mismatches are.
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Carmen Ruiz
Another thing to watch out for - sometimes the registered UCC name on file has extra designations like "a Delaware LLC" or "a limited liability company" that you might not expect. The SOS database doesn't always display the full legal entity name in search results.
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Andre Lefebvre
•OMG yes this happened to me!! The search showed "ABC Company LLC" but the actual registered name was "ABC Company LLC, a Delaware limited liability company" - took me three rejections to figure that out.
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Mateo Martinez
•How do you find the complete registered format if the search results are abbreviated?
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Carmen Ruiz
•You have to pull the actual Certificate or Articles document - not just rely on the search results summary.
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Zoe Alexopoulos
The registered UCC name matching rules are honestly ridiculous. I had one rejection because of "&" vs "and" in a company name. The system is way too picky about formatting details that don't affect the actual legal identity of the debtor.
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Jamal Anderson
•I feel your pain but unfortunately that's just how the UCC system works. Better to be overly precise than have a lien that's not properly perfected.
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Mei Wong
•Agreed the rules are strict but there's a reason - name variations can make it impossible to find filings during lien searches.
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QuantumQuasar
Are you sure it's just the registered UCC name issue? Sometimes rejections happen for other reasons and the error message isn't clear. Check your filing number format and make sure you're using the right UCC-1 form version.
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Mateo Martinez
•The rejection specifically mentions debtor name so I'm pretty sure that's the issue. But you're right, I should double-check everything else too.
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Liam McGuire
•Also verify your collateral description isn't too vague. Some states are getting pickier about that too.
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Amara Eze
This is why I always do a preliminary entity search before preparing any UCC filings. Takes an extra 10 minutes but saves hours of refilings. The registered UCC name has to be perfect or you're wasting everyone's time.
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Giovanni Greco
•Smart approach. Do you have a checklist or standard process you follow?
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Amara Eze
•1) SOS entity search 2) Pull actual Articles/Certificate 3) Compare word-for-word with UCC-1 debtor section 4) Double-check any recent amendments. Haven't had a name-related rejection in two years.
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Mateo Martinez
•This is super helpful. I clearly need to be more systematic about this verification process.
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Fatima Al-Farsi
Just went through something similar and ended up using one of those document checking services. Certana.ai caught a tiny spacing difference I never would have noticed between my UCC-1 and the debtor's Charter. The registered UCC name had an extra space between words that wasn't visible in the online search display.
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Dylan Wright
•That's so frustrating! How did you even discover there was a spacing issue?
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Fatima Al-Farsi
•The automated check flagged it immediately when I uploaded both documents. Showed me exactly where the character differences were.
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Sofia Torres
Have you considered calling the SOS filing office directly? Sometimes they can tell you exactly what format they need for the registered UCC name instead of you guessing through multiple rejections.
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Mateo Martinez
•I didn't think about calling them. Do they actually help with specific name formatting questions?
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Sofia Torres
•Hit or miss depending on which state and who you get on the phone. But worth trying if you're stuck.
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GalacticGuardian
•Some states have email support that's actually pretty responsive for technical filing questions.
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Dmitry Smirnov
Update us when you get it resolved! I'm dealing with a similar registered UCC name matching problem and curious what ends up working for you.
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Mateo Martinez
•Will do! Going to try the document verification approach first since that seems like the most systematic way to catch any differences.
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Ava Rodriguez
•Same here - bookmarking this thread. The registered name matching thing seems to be getting stricter lately.
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Diego Fernández
I've been running into this registered UCC name matching issue more frequently lately too. One thing that's helped me is creating a simple spreadsheet to track the exact formatting differences I find between the SOS records and what borrowers provide. You'd be amazed how many times there are subtle differences in periods, commas, or even the order of words like "LLC" vs "L.L.C." that cause rejections. For your Mountain Peak situation, I'd recommend pulling both the original Articles AND any amendments from the state database, then doing a character-by-character comparison. Sometimes companies file amendments just to clean up punctuation and you might be looking at an outdated version. The $450K deal is definitely worth the extra verification time!
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