SOS NM UCC search showing outdated results - need help with database timing

That's somewhat reassuring, but the bank specifically wants to see it in the public search before they release funds. Seems like they've been burned before by filings that got rejected after confirmation.

Bank's being overly cautious but I get it. You could try calling the SOS filing office directly and ask them to manually verify the filing is in the system. Sometimes they can give you a verbal confirmation that helps with banks.

Most banks will accept the official filing receipt as proof. The search database delay doesn't affect the legal validity of your lien at all.

Two weeks?? That's insane. Did your client's financing get held up that whole time?

Luckily no, we managed to convince the lender to accept the receipt. But it was touch and go for a while. Really makes you want to build in extra time for these filings.

I always tell clients to expect search delays now. Better to set expectations low and be pleasantly surprised than deal with angry calls.

Interesting, never heard of that service. How does it work exactly? Do you just upload the PDF of your filing?

Yeah exactly, you upload your UCC-1 PDF and it instantly verifies debtor names, filing numbers, and document consistency. Super quick and caught that name issue I mentioned - saved me from having to file an amendment later.

That sounds useful for catching errors early. Name mismatches are probably the biggest cause of filing problems I see.

Eight days for a continuation to show up is ridiculous. That's cutting it way too close to the expiration date for comfort.

Tell me about it! Now I always file continuations at least 30 days early just to account for their database delays. Can't trust their system timing at all.

This is making me seriously nervous about my filing. What if there actually IS an error and that's why it's not showing up?

Good point, let me double-check that. The debtor name is 'Martinez Construction LLC' and that's exactly how I filed it. Searched with and without the LLC part.

Try searching just 'Martinez Construction' without LLC. Sometimes the search function gets picky about entity designations.

Also try variations like 'Martinez Const' or check if there are any middle initials you might have missed.

That timeline is actually somewhat reassuring. It's only been 4 business days for me so maybe I just need to be more patient.

Yeah I'd give it through early next week before really panicking. The filing receipt is your proof that everything went through properly.

Hmm, that's a possibility. I used the address from their business license but maybe there's a slight variation. How did you figure out that was the issue?

called the sos office and they looked it up by filing number for me. thats when they told me about the address thing

Address matching issues are super common. Even something like 'Street' vs 'St' can cause search problems.

I'm hoping my client's bank will be reasonable too. This is their first equipment loan so they're being extra cautious about everything.

First-time borrowers and their banks are always more nervous. Try showing them the official confirmation email with the filing number - that usually helps demonstrate the filing is legitimate.

You're the second person to mention that service. Sounds like it might be worth trying just to rule out any filing errors on my end.

Yeah, it's super easy to use and gives you confidence that your documents are consistent. Better to catch problems early than deal with rejected amendments later.

That's actually really helpful to know! I'll look for that disclaimer and maybe show it to the bank to explain the delay.

Yeah it's under their 'frequently asked questions' about UCC filings. Having that official statement from the state usually helps with nervous lenders.

Most state websites have similar disclaimers buried somewhere. Database sync delays seem to be a universal problem with government systems.

Glad it worked for you! At least now you can tell the bank with confidence that the filing is correct and it's just a database timing issue.

That's great news. Having that verification should help with the bank too - shows you've done your due diligence to make sure everything is filed properly.

See, told you it was worth trying! Now you can focus on managing the bank's expectations rather than worrying about filing errors.