UCC-1 Arizona filing keeps getting rejected - debtor name issues

This is correct. Arizona SOS cross-references against their business database automatically now. Any variation from the charter name will get rejected.

learned this the hard way last month with a similar situation

That sounds helpful - does it work with Arizona's specific requirements? Our internal review missed this completely.

Yes it catches state-specific issues. Just upload both PDFs and it highlights inconsistencies. Super easy to use.

interesting, might try this for our next batch of filings

Feel your pain on this. The automated system has no flexibility whatsoever.

At least they're consistent? Better than some states where the rules change depending on who's processing

Good point about spaces. I'll double-check the formatting against the charter docs.

This is why I always copy/paste directly from the state database when possible

Their articles still show the full name as of last month. The DBA is just for marketing I think.

DBAs don't change the legal name for UCC purposes. Stick with what's on the articles.

Right, just wanted to rule out a name change. Definitely use the articles version then.

Electronic through their portal. Probably why it's catching the discrepancy so quickly.

Paper filing takes forever though, not worth it for a commercial loan closing

How does it handle the collateral descriptions? That's another area where we sometimes get rejections.

It checks consistency between documents but doesn't validate collateral language against state requirements. Still helpful though.

We went with 'all manufacturing equipment, machinery, and fixtures now owned or hereafter acquired.' Think that's broad enough?

That should work. Arizona generally accepts broad descriptions for commercial equipment.

Might want to add serial numbers for high-value pieces if you have them

That's encouraging. We need this done by Friday for closing so timing should work if I can get the name issue resolved.

Friday should be doable if you resubmit tomorrow with the correct name

Good reminder. I'll verify our bank's exact legal name and address format too.

Yeah they're equally strict on both debtor and secured party information. No shortcuts.

learned this when they rejected for having 'Street' instead of 'St.' in our address

It's definitely worth it for avoiding rejections. Much faster than manual document comparison.

Good luck with the refiling! Arizona should accept it quickly once the name matches.