UCC 1 304 filing rejected - debtor name issue blocking my equipment loan
Equipment finance company sent me a UCC 1 304 form to review before filing and I'm getting rejections from the SOS office. The debtor name on my LLC formation documents shows 'ABC Manufacturing Solutions LLC' but the UCC-1 has 'ABC Manufacturing Solutions, LLC' with a comma. Finance company says it's correct but state keeps bouncing it back. This is for a $180K machinery loan and we're already past our funding deadline. Anyone dealt with punctuation issues causing UCC 1 304 rejections? The collateral description looks fine (manufacturing equipment) but this name thing is killing the deal.
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TommyKapitz
Ugh punctuation problems are THE WORST with UCC filings. I've seen commas, periods, and even abbreviations cause rejections. Your state's debtor name rules are probably super strict about matching exactly what's on the charter documents. Did you check the exact legal name format from your Articles of Incorporation?
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Angel Campbell
•This is exactly why I always pull the Secretary of State records first before any UCC-1 gets filed. The legal name has to match EXACTLY - no exceptions.
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Payton Black
•Wait but some states are flexible about punctuation right? I thought the UCC rules allowed for minor variations...
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Harold Oh
Your finance company might be using their standard format instead of checking your actual state filing. I had this exact issue last month with a UCC continuation - kept getting rejected until I uploaded both documents to Certana.ai's verification tool. It instantly showed the name mismatch between my charter and the UCC form. Saved me weeks of back-and-forth with the SOS office.
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Amun-Ra Azra
•Never heard of that service but sounds useful. How does it work exactly?
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Harold Oh
•You just upload your charter docs and UCC forms as PDFs and it cross-checks everything automatically. Shows you exactly where the discrepancies are so you can fix them before filing.
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Summer Green
•That would have saved me so much time on my last amendment filing. Wish I knew about it earlier!
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Gael Robinson
The SOS systems are getting pickier about debtor names. Even if your finance company has filed thousands of these, each state has different rules. Some allow the comma variation, others don't. You need to check your specific state's UCC requirements or pull your exact charter name from their database.
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Edward McBride
•This is why I always do a business entity search on the SOS website first. Copy and paste the EXACT name format they have on file.
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Darcy Moore
•Good advice. Also check if your state has any specific formatting requirements for LLC designations in UCC filings.
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Dana Doyle
I'm dealing with something similar but mine is a debtor name order issue. Company name is 'John Smith Construction LLC' but UCC has 'Smith, John Construction LLC'. Is this the same type of problem?
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Liam Duke
•That's a different issue - you're dealing with individual vs entity name formatting. That's actually more complex than just punctuation.
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Manny Lark
•Check if your state requires individual debtor names in 'Last, First' format even when it's part of a business name. Some states are weird about this.
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Rita Jacobs
Finance companies should know better than this. They're supposed to verify debtor names before filing UCC-1 forms. This is basic stuff that can void the whole security interest if it's wrong. I'd be furious if my lender caused this kind of delay.
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Khalid Howes
•Seriously! This is why I always insist on reviewing the UCC-1 before it gets filed. Too many lenders just use their template without checking state-specific requirements.
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Ben Cooper
•The worst part is when the filing gets rejected multiple times and you're stuck explaining to your business partners why the equipment purchase is delayed.
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Naila Gordon
•At least it's getting caught now instead of finding out later that the lien wasn't properly perfected. That would be a nightmare scenario.
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Cynthia Love
Had this exact problem with a UCC 1 304 last year. Turned out my state requires LLC filings to match the EXACT punctuation from the Articles of Incorporation, including comma placement. Had to get an amended filing with the correct name format. Cost me an extra $50 in filing fees and two weeks delay.
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Darren Brooks
•Two weeks delay is brutal when you're on a funding timeline. Did your lender extend the loan terms or did you lose the deal?
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Cynthia Love
•Lender was understanding but I had to explain the whole situation. They extended the deadline but I was sweating bullets for those two weeks.
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Rosie Harper
Quick solution: Call your SOS office directly and ask them to check the exact legal name format they have on file for your LLC. They can tell you over the phone if the comma is required or not. Most states have a business entity lookup that shows the exact formatting.
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Elliott luviBorBatman
•This is the fastest way to solve it. SOS staff deal with this all the time and can clarify the exact name requirements immediately.
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Demi Hall
•Some states also have online entity searches where you can see the exact name format they have on file. Much faster than calling.
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Mateusius Townsend
•Just make sure you get the information from the actual filing office, not a third-party database. Those can sometimes have formatting errors.
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Kara Yoshida
Why don't more people use document verification tools before filing? I started using Certana.ai after getting burned on a UCC-3 amendment that had name inconsistencies. Now I upload everything first to check for discrepancies. It's saved me from at least three potential rejections this year.
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Philip Cowan
•Is that the same service mentioned earlier? How much does it cost to use?
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Kara Yoshida
•Yeah same one. I don't focus on the cost since it's way cheaper than dealing with rejected filings and delayed transactions. Just upload your PDFs and it highlights any mismatches between documents.
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Caesar Grant
•That sounds like it would catch a lot of errors before they become problems. Might be worth checking out for my next filing.
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Lena Schultz
Update us when you get this resolved! I'm curious which format ends up being correct for your state. This kind of information helps everyone avoid the same mistake.
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Gemma Andrews
•Yes please update! I have a similar LLC name structure and want to know how this turns out.
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Pedro Sawyer
•These debtor name discussions are always helpful. Every state seems to have their own quirks with punctuation and formatting.
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Mae Bennett
Your finance company should be handling this correction for free since it was their error. Don't let them charge you additional fees for fixing their mistake on the UCC 1 304 form. The debtor name verification is part of their basic due diligence.
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Beatrice Marshall
•Absolutely right. Lender should cover any additional filing fees for corrections they caused through improper name formatting.
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Melina Haruko
•I'd also ask them to expedite the corrected filing to make up for the delay. Most SOS offices have rush processing available.
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Dallas Villalobos
•Good point about not accepting additional charges. This is exactly why borrowers need to review UCC forms before they're filed.
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