UCC Filing Rejected - Minnesota Rule 220 Name Match Issue
Got a UCC-1 rejection from Minnesota SOS yesterday citing Rule 220 compliance issues. The debtor name on our filing was "ABC Manufacturing LLC" but apparently their articles show "ABC Manufacturing, LLC" with the comma. Our lender is freaking out because we're 3 days from the loan closing and this could void the security agreement if we can't get it perfected properly. Has anyone dealt with minnesota rule 220 ucc requirements before? The rejection notice mentions exact name matching but doesn't explain what specific format they want. We've got $2.8M in equipment collateral hanging on this and I'm not sure if we need to refile with the comma or if there's an amendment process. The borrower swears their legal name doesn't include the comma but the SOS database search shows it both ways depending on which screen you look at.
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Aisha Mahmood
Minnesota Rule 220 is brutal about exact name matches. I learned this the hard way last year when a simple punctuation difference killed our filing. The rule requires the debtor name to match EXACTLY as it appears on the organizational documents filed with the Secretary of State. Even spaces and commas matter.
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Mateo Sanchez
•So you're saying we definitely need to refile? What about the timing - can we get this corrected before our security interest lapses?
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Aisha Mahmood
•Yes, refile immediately with the exact name from their articles. Minnesota processes UCC-1s pretty quickly electronically, usually same day if filed before 3pm.
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Ethan Clark
This is exactly why I started using Certana.ai's document verification tool. You just upload your Charter documents and UCC-1 draft, and it instantly flags name discrepancies before you file. Would have caught that comma issue immediately and saved you the rejection headache.
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AstroAce
•Never heard of that service. Does it work with all states or just specific ones?
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Ethan Clark
•Works with any state's filings. The tool cross-checks your documents against each other to spot inconsistencies. Super helpful for catching these minnesota rule 220 ucc name match problems before they become rejections.
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Yuki Kobayashi
I've had THREE Minnesota rejections this month alone. Their system is incredibly picky about name formatting. One got rejected because we used "Inc." instead of "Incorporated" even though both are on the articles of incorporation. The minnesota rule 220 ucc requirements are stricter than most states.
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Carmen Vega
•Ugh, that's so frustrating! Why can't they just accept reasonable variations?
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Yuki Kobayashi
•Because the UCC requires exact name matching to avoid confusion about which entity is the debtor. It protects both creditors and the debtor, but it's a pain when you're under time pressure.
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Andre Rousseau
•At least Minnesota tells you what's wrong. Some states just say 'rejection' with no explanation.
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Zoe Stavros
Pull the actual articles of incorporation from the Minnesota SOS business database. Don't trust what the borrower tells you or what appears on their letterhead. The legal name is whatever is filed with the state, period. That's what Rule 220 enforces.
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Mateo Sanchez
•Good point. I should have done that first. Going to pull the official documents now.
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Zoe Stavros
•Exactly. And when you refile, use that exact name character for character. Minnesota's system will reject again if there's even a single space difference.
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Jamal Harris
This happened to my client last month with a $5M credit facility. We had to overnight new loan documents because the UCC filing was rejected twice for name variations. Cost us an extra week and nearly lost the deal. minnesota rule 220 ucc compliance is non-negotiable there.
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GalaxyGlider
•Did you end up having to amend the loan agreement too?
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Jamal Harris
•No, but we had to refile the UCC-1 with the correct name and then file a UCC-3 amendment to update some collateral descriptions. It was a mess.
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Mei Wong
•That's why I always run a preliminary name search before preparing any UCC documents. Saves so much hassle.
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Liam Sullivan
The comma thing gets everyone. I swear Minnesota adds random punctuation to business names just to mess with UCC filers. Check if they have any DBAs filed too - sometimes the collateral is held under a different name than the main entity.
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Mateo Sanchez
•Good catch. I'll check for DBAs. This borrower has multiple business names they operate under.
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Liam Sullivan
•Yeah, and make sure your collateral description matches whatever name actually owns the equipment. That's another common rejection reason.
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Amara Okafor
Can't you just file a UCC-3 amendment to correct the name instead of starting over with a new UCC-1?
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Aisha Mahmood
•No, if the initial UCC-1 was rejected, there's nothing to amend. You have to refile a completely new UCC-1 with the correct debtor name.
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Amara Okafor
•Oh right, duh. Brain freeze moment there.
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Giovanni Colombo
•Happens to all of us. UCC rules can be confusing when you're stressed about deadlines.
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Fatima Al-Qasimi
I've found that calling the Minnesota SOS UCC division directly can sometimes help clarify exactly what name format they want. They're actually pretty helpful if you explain you're trying to avoid another rejection.
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Mateo Sanchez
•That's a great idea. Do you have their direct number?
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Fatima Al-Qasimi
•It's 651-296-2803. Ask for the UCC filing desk. They can usually tell you the exact name format from their database.
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StarStrider
The minnesota rule 220 ucc name matching requirements are actually pretty clearly spelled out in their filing guide, but nobody reads it until after they get rejected. The key is using the EXACT name as it appears on the most recent amendment to articles if there have been any name changes.
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Dylan Campbell
•Where do you find that filing guide? I've been looking for more detailed Minnesota UCC requirements.
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StarStrider
•It's on the Minnesota SOS website under Business Services, then UCC Filings. Has all the state-specific requirements including Rule 220 compliance.
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Sofia Torres
Just went through this exact scenario with a different Minnesota LLC. Ended up using Certana.ai to verify our corrected filing before resubmitting. The tool caught two other small discrepancies we missed manually. Worth checking out if you want to avoid another rejection cycle.
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Dmitry Sokolov
•How quickly does their verification work? We're always under tight deadlines.
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Sofia Torres
•Pretty much instant. You upload your documents and it gives you a report highlighting any inconsistencies. Much faster than manually comparing everything.
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Ava Martinez
UPDATE: Called Minnesota SOS and they confirmed the exact name should be "ABC Manufacturing, LLC" with the comma. Refiled this morning and got acceptance confirmation an hour later. Crisis averted! Thanks everyone for the quick responses on the minnesota rule 220 ucc requirements.
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Aisha Mahmood
•Great news! Glad you got it sorted before your closing deadline.
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Ethan Clark
•Perfect example of why name verification tools are so valuable. One small punctuation mark almost derailed a multi-million dollar deal.
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Carmen Vega
•So stressful when these things happen right before closing. Good job getting it fixed quickly.
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CosmicCrusader
This is a perfect case study for why I always recommend doing a preliminary entity search before any UCC filing. Minnesota Rule 220 has burned me before too - learned to pull the official articles directly from their business database rather than relying on what the client provides. The comma issue is super common with LLCs. For future reference, I've started building a checklist that includes verifying the exact legal name format, checking for any amendments to articles, and confirming there are no pending name changes. Saves so much stress when you're up against closing deadlines like this. Glad you got it resolved quickly!
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