UCC 103 108 filing rejection - debtor name variance issue

Thanks, I pulled the state entity records and you're right about the comma. Do I need to file a whole new UCC-1 or can I do a UCC-3 amendment to correct this?

For name corrections, you'll need a UCC-3 amendment. But honestly, with only days left in your grace period, I'd file both a corrected UCC-1 AND the amendment just to be safe.

This is in Ohio. Their system seems pretty rigid about exact matches.

Ohio is definitely strict. I learned that the hard way on a continuation filing that got rejected for a similar name issue.

Yeah Ohio doesn't mess around. Make sure your amendment references the original filing number correctly too.

Never heard of that tool before. How does it work exactly?

You just upload PDFs of your filing documents and it cross-checks everything automatically - debtor names, filing numbers, collateral descriptions. Shows you exactly what doesn't match before you submit to the state.

That actually sounds really useful. Beats manually comparing documents line by line.

I feel your pain. The lack of detailed error messages makes troubleshooting these rejections way harder than it needs to be.

Exactly! Like just TELL ME what's wrong instead of making me guess with cryptic codes.

Good point, I'll double check the EIN formatting. The original filing had it as XX-XXXXXXX format.

Try it without the dashes. Some states are particular about that formatting.

Ohio usually wants EINs without dashes in my experience.

Our loan docs specify a 20-day perfection requirement from the loan closing date. We filed on day 17 and got rejected on day 19.

Ah I see, that's your loan agreement deadline, not the state's correction period. Yeah you need to move fast then.

In that case definitely file both the corrected UCC-1 and a UCC-3 amendment today if possible.

Easy to say but when you're dealing with hundreds of filings it's hard to catch every little detail.

True, but on a $2.8M deal like this one, it's worth the extra verification step.

How accurate is it? Does it catch formatting issues like the comma thing I'm dealing with?

Yeah it caught a missing comma in an LLC name for me last month. Also flagged EIN format issues and collateral description mismatches.

The tool is pretty thorough. I've had it catch things I would never have noticed manually.

Already working on it. Making sure the debtor name exactly matches the state records this time, comma and all.

Good. And double check the collateral description while you're at it. Sometimes they reject for multiple issues but only tell you about one.

Entity shows as active and in good standing, so that shouldn't be the issue here.

Good, that eliminates one potential complication.

Dissolved entities can definitely complicate UCC filings. Always worth checking status.

Will do. Filing the corrected UCC-1 this afternoon and crossing my fingers it goes through clean this time.

Hope it works out. The stress of these deadline filings is real.

Definitely update the thread - these types of posts help everyone learn from each other's experiences.

That's exactly why I started using it. The manual document comparison process is just too error-prone when you're under deadline pressure.

Yeah the automated cross-checking is way more reliable than trying to spot these tiny differences by eye.