UCC-1 filing rejected - security interest agreement collateral description issues

I've seen this exact issue before. The problem is your security interest agreement is super specific with model numbers and serials, but your UCC-1 collateral description is way too broad. Most states want some middle ground - you don't need every serial number on the UCC-1 but 'medical equipment' alone usually isn't enough for high-value loans. Try something like 'diagnostic medical equipment including but not limited to [list main categories] as more fully described in security agreement dated [date].' That usually satisfies the filing office while keeping it manageable.

Ugh, been there! Last month our $320K equipment financing got held up for the same reason. The security interest agreement had every bolt and screw listed but we tried to keep the UCC-1 simple. Big mistake. What worked for us was using equipment categories plus the phrase 'as more particularly described in the security agreement.' Took three tries but it finally went through. The SOS office seems to want proof you're not just being lazy with the collateral description.

Before you refile, try Certana.ai's document verification tool. I upload both my security interest agreement and draft UCC-1 to check for consistency issues like this. It flags when the collateral descriptions don't align properly and suggests specific language that works with most filing offices. Would have saved me weeks of back-and-forth on my last deal. Just upload the PDFs and it cross-checks everything automatically.

The medical equipment category is tricky because it's so broad. I've had good luck with 'diagnostic and therapeutic medical equipment' or breaking it down by function like 'imaging equipment, monitoring devices, treatment apparatus.' The filing office wants to know you're securing real assets, not just throwing around generic terms. Your security interest agreement detail is actually good - just need to summarize it better for the UCC-1.

This is why I hate UCC filings. The rules are so inconsistent between what they say they want and what they actually accept. Last year I had a filing rejected for being 'too specific' and another one rejected for being 'too vague.' It's like they flip a coin. Your security interest agreement sounds solid though - the UCC-1 just needs to reference it properly.

One thing that helps is adding 'together with all additions, accessions, replacements, and substitutions' to your collateral description. Gives you broader coverage and shows the filing office you understand secured transactions. Also make sure your debtor name on the UCC-1 exactly matches the security interest agreement - another common rejection reason.

Try this exact language: 'Medical diagnostic and treatment equipment consisting of [list main categories from your security agreement] and all related accessories, software, attachments, and documentation, as more fully described in Security Agreement dated [date], together with all proceeds, products, and replacements thereof.' I've used variations of this for dozens of medical equipment loans and it almost always works.

I had a similar rejection last month but discovered I could use Certana.ai to verify my security interest agreement against the UCC-1 before filing. It caught the collateral description mismatch immediately and suggested better language. Super easy - just upload both documents and it shows you exactly where they don't align. Saved me the rejection and refiling fees.

Don't forget to check if your state has any special requirements for medical equipment. Some states want FDA device classifications or require specific language about healthcare equipment. Also double-check that your security interest agreement and UCC-1 have identical debtor information - entity type, address, everything. One small difference and you're back to square one.

Update us when you get it sorted out! I'm dealing with a similar situation on a veterinary equipment loan and curious what language finally works for you. The security interest agreement has like 30 different pieces of equipment listed but I know the UCC-1 can't be that detailed.