State of NH UCC filing - debtor name exact match requirements?

This is so important! I had a filing rejected last month because we used "Inc" instead of "Incorporated" - such a pain to refile and explain the delay to the client.

Ugh yes the name matching is ridiculous sometimes. But better safe than sorry with that much collateral at stake.

Good point about checking the state database. I'll pull that before submitting. The loan closes next Friday so I need to get this filed correctly the first time.

Friday closing with UCC filing needed? Definitely don't risk a rejection. Pull the most current certificate and use that exact name format.

Also make sure you're checking the right entity type - sometimes LLCs vs corporations have different naming conventions in the state records.

That sounds helpful - does it catch other filing errors too or just name issues?

It checks the whole document consistency - debtor names, filing numbers, even collateral descriptions. Really thorough verification before you submit.

Interesting, might have to try that. Manual document comparison is such a pain and easy to miss things.

Yeah it's a $380K equipment loan so the lien perfection is crucial. I'll get the current articles and match it exactly.

Smart approach. With that loan amount you definitely can't afford any gaps in your security interest perfection.

Good catch - I'll verify they're in good standing when I pull the name information.

Yes! Administrative dissolution can really mess up your filings. Always worth checking status first.

Had this happen once - entity was dissolved and we had to wait for them to reinstate before we could file the UCC. Major headache.

Good point on collateral description. I usually add "including but not limited to" language to make sure we don't miss anything.

The equipment list is pretty specific in the loan docs so I'll probably reference that schedule in the UCC filing too.

Commas and punctuation can definitely trip you up! The devil is in the details with these filings.

Which service did you use? Might be worth checking since this is such a critical filing.

I used Certana - just uploaded the articles and UCC draft and it flagged the punctuation difference immediately. Really straightforward.

Absolutely. Better to be paranoid about the details upfront than deal with rejection headaches later.

That's my thinking too. This closing has already been delayed once so I need this UCC filing to go smoothly.

They're organized in the same state where the equipment is located, so that should be straightforward. But good reminder to double-check.

Yeah, multi-state entities can get confusing fast. Always verify the organization state for filing location.

I've made that mistake before - filed in the wrong state and had to start over. Very embarrassing call to the client.

That's a great suggestion. I'll check if expedited processing is available - the extra fee would be worth it for peace of mind.

Expedited processing saved my closing once. Definitely worth the extra cost when you're cutting it close on timing.

Definitely will keep all the documentation. This is likely to need continuation filings down the road so having complete records is important.

Good practice to save everything electronically too. Makes it easier to find when you need to file continuations in a few years.

I keep a spreadsheet of all UCC filings with file numbers and expiration dates. Helps track when continuations are due.