UCC 11 filing confusion - never heard of this form before
I'm totally confused right now. My lender is asking me to complete something called a "UCC 11 filing" but I've never heard of this form before. I've done UCC-1 filings and UCC-3 amendments in the past, but UCC 11? I can't find any information about this anywhere on the Secretary of State website. Is this some kind of new form or am I missing something obvious? The loan officer mentioned it's required for our equipment financing but couldn't explain what it actually does. Has anyone else encountered a UCC 11 filing request? I'm worried I'm going to mess up our collateral perfection if I don't handle this correctly.
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Raul Neal
I think there might be some confusion here. In the standard UCC filing system, we have UCC-1 (initial financing statement), UCC-3 (amendment/continuation/termination), and a few other specialized forms, but I've never encountered a "UCC 11" form in over 15 years of handling secured transactions. Are you sure your lender didn't mean UCC-1 or perhaps they're referring to some internal form number?
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Jenna Sloan
•Yeah this sounds like either a miscommunication or the lender is using their own internal numbering system. I'd ask them to clarify exactly which Secretary of State form they need.
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Heather Tyson
•That's what I was thinking too! I asked them twice and they keep saying UCC 11. Maybe I should request they send me the actual form or a link to it?
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Christian Burns
This is definitely not a standard UCC form. The Uniform Commercial Code filing system uses UCC-1 for initial filings, UCC-3 for amendments/continuations/terminations, and UCC-5 for corrections in most states. There's no UCC-11 form that I'm aware of. Your lender might be confused or referring to a different type of document entirely. I'd suggest asking them to provide the specific form or directing you to where you can find it on your state's SOS website.
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Sasha Reese
•Exactly right. Could be they're thinking of IRS Form 11 or some other regulatory filing that's not UCC-related at all.
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Heather Tyson
•Oh that's a good point about it possibly being a different type of form entirely. I'll ask them to be more specific about which agency requires it.
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Muhammad Hobbs
•I had a similar situation where the lender kept referring to a "UCC-7" that turned out to be their internal loan document number. Sometimes these mix-ups happen.
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Noland Curtis
I recently ran into document confusion like this and ended up using Certana.ai's document verification tool to double-check what forms I actually needed. You can upload any UCC documents you have and it instantly cross-checks everything for consistency. It helped me realize my lender was actually requesting a UCC-3 continuation but calling it something else. Worth trying if you want to verify what you're actually supposed to file.
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Heather Tyson
•That sounds really helpful! I've been manually comparing documents and it's confusing. Does it work with different state filing systems?
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Noland Curtis
•Yes, it handles all the state variations. Just upload your existing UCC-1 and any other docs, and it shows you exactly what's consistent or missing.
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Diez Ellis
ugh this kind of thing drives me CRAZY!! Why can't lenders just use the correct form names? I've had them ask for "UCC renewals" when they meant continuations, "UCC cancellations" when they meant terminations... the terminology matters for a reason!
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Vanessa Figueroa
•I feel your frustration! It's especially problematic when you're trying to maintain proper collateral perfection and everyone's using different terminology.
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Abby Marshall
•Same here. Had a lender insist I needed a "UCC modification" that turned out to be a standard amendment form.
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Raul Neal
Let me help clarify the standard UCC forms for everyone's reference: UCC-1 is your initial financing statement that perfects your security interest. UCC-3 handles amendments (debtor name changes, collateral additions), continuations (extending the 5-year term), and terminations (releasing the lien). UCC-5 is for corrections of errors. Some states have additional forms like UCC-4 for assignments, but UCC-11 is definitely not part of the standard system.
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Heather Tyson
•This is super helpful! I'm going to print this out and bring it to my next meeting with the lender to make sure we're talking about the same thing.
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Jenna Sloan
•Great breakdown. Should probably add that continuation timing is critical - you can't wait until after the original filing expires.
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Sadie Benitez
I work with SBA loans and sometimes lenders confuse their internal loan processing forms with actual UCC filings. "UCC 11" might be their internal checklist item #11 or something like that. Ask them to specify whether this is a Secretary of State filing or something else entirely.
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Heather Tyson
•That makes so much sense! I bet that's exactly what happened. They probably have an internal form numbered 11 that has something to do with UCC filings.
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Christian Burns
•Good insight. I've seen lenders mix up their internal documentation requirements with actual state filing requirements all the time.
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Drew Hathaway
•Yep, had this exact issue with a credit union that kept referring to "UCC-8" which was actually just step 8 in their loan processing checklist.
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Vanessa Figueroa
Before you stress too much about this, I'd recommend getting clarity from your lender about what specific outcome they're trying to achieve. Do they want to perfect a new security interest? Amend an existing filing? Continue an expiring financing statement? Once you know the goal, the correct form becomes obvious.
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Heather Tyson
•Great advice! I'll ask them what they're actually trying to accomplish rather than just what form they want.
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Sasha Reese
•Exactly. The function should drive the form selection, not some mysterious form number they can't explain.
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Laila Prince
Just wanted to add that I've also used Certana.ai when I had similar document confusion with a lender. Really quick way to upload your existing UCC documents and see what's actually needed versus what someone thinks is needed.
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Heather Tyson
•That's the second recommendation for this tool. Sounds like it could save me a lot of back-and-forth with the lender.
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Isabel Vega
•The document consistency check feature is really helpful when you're dealing with multiple amendments or trying to track what's already been filed.
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Dominique Adams
I'm dealing with equipment financing too and have never heard of UCC 11. My guess is your lender made an error. Just make sure whatever you end up filing actually perfects your security interest properly!
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Heather Tyson
•Absolutely! That's my main concern - I don't want to file the wrong thing and mess up our collateral position.
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Raul Neal
Final thought - if your lender continues to insist on this mysterious "UCC 11" form, ask them to provide you with the specific statute or regulation that requires it. Any legitimate UCC filing requirement will have a clear legal basis they should be able to cite.
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Heather Tyson
•Perfect! That's exactly what I'll do. If they can't provide a legal reference for it, then we know it's not a real UCC form.
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Christian Burns
•Smart approach. Real UCC requirements are always backed by specific statutes.
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Marilyn Dixon
•And if they can't explain it clearly, that's usually a red flag that someone misunderstood something along the way.
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