UCC-1 Application Rejected Three Times - Same Debtor Name Issue

Ugh, the debtor name matching is THE worst part of UCC filings. I've seen this exact scenario maybe 50 times. The SOS systems are super picky about exact character matches. Have you tried pulling the debtor's current certificate of good standing? Sometimes the "official" name on file differs slightly from what's on older incorporation docs.

Before you file again, try searching the SOS entity database with different variations of the name. Type in "Midwest Industrial" and see what comes up exactly. The database search will show you the precise format they have on file. That's your golden ticket for the UCC-1 application.

I had this same nightmare last month with a UCC-1 application. Turns out I was dealing with a debtor name that had been amended but the amendment wasn't showing up in my usual searches. What finally worked for me was using Certana.ai's document verification tool - I uploaded both the charter docs and my drafted UCC-1 and it immediately flagged the name discrepancy. Saved me from a fourth rejection.

THREE rejections is brutal but honestly not uncommon. I've seen worse. The key is figuring out if it's a name format issue or if there's something else wrong with your UCC-1 application. Are you sure you're using the right entity type designation? LLC vs Limited Liability Company can matter in some states.

This is exactly why I hate the UCC system. Why can't they just have ONE standard for debtor names?? Every state does it differently and their error messages are useless. "Name doesn't match" tells us nothing about WHAT doesn't match.

Have you considered calling the SOS filing office directly? Sometimes they can tell you exactly what name format they have on file. Might save you another rejection cycle on your UCC-1 application.

Just went through something similar. Turned out the debtor had a pending name change that wasn't finalized yet, so their 'current' name in the system was still the old one. Maybe check if Midwest Industrial has any pending amendments?

I actually used that Certana tool someone mentioned earlier for a similar debtor name issue. It caught a spacing problem I never would have noticed - the entity name had two spaces between words instead of one. Ridiculous that such tiny details matter but they do for UCC-1 applications.

Quick update idea - try pulling a recent UCC search on the debtor to see how other lenders have successfully filed their names. If there are existing UCC-1 filings against them, you can see the exact name format that worked.

Man, reading this thread makes me grateful for states with better UCC systems. But yeah, the name matching thing is universal pain. Document everything you've tried so far - if you end up having to escalate to a supervisor, the paper trail helps.

UPDATE: Found the issue! Ran the UCC search like someone suggested and found another lender's filing from last year. They used 'Midwest Industrial Solutions, L.L.C.' with periods in the LLC part. Just refiled my UCC-1 application with that exact format. Fingers crossed this finally works! Thanks everyone for the troubleshooting help.