UCC Filing Rejection Issues - Need Help with Florida Requirements

I used what I thought was the exact name but maybe there's a punctuation difference? The company name has LLC at the end - could that be the issue?

Definitely check the punctuation. Florida requires exact matches including commas, periods, and spacing. Look up your entity on the Florida Division of Corporations website to get the precise formatting.

Thanks! I'll check sunbiz right now. This is so stressful with the deadline approaching.

Don't stress too much, you can always file an amended UCC-3 if you catch the error quickly. But definitely get the name right the first time to avoid delays.

My collateral description says 'manufacturing equipment located at [address]' - is that too vague?

That should be fine as long as the address is complete. Florida accepts general descriptions for equipment as long as they're not overly broad.

I always include serial numbers when possible, even though it's not required. Makes it crystal clear what's covered.

That sounds really helpful! I'll check it out. At this point I'm willing to try anything to get this filed correctly.

Second this recommendation. The tool caught a spacing issue in our debtor name that I never would have noticed. Much easier than trying to spot tiny differences manually.

I feel your pain but honestly the strict requirements do serve a purpose. It prevents confusion when someone's searching UCC records later.

I get that but a little flexibility would be nice. Other states manage to balance accuracy with practicality.

At least Florida has online filing. Remember when everything had to be mailed? That was truly awful.

Good idea, I'll try calling them tomorrow morning. Hopefully I can get through to someone knowledgeable.

Their phone support is hit or miss but when you get someone who knows UCCs they're usually pretty helpful.

It's all moveable manufacturing equipment, nothing attached to the building. So regular UCC-1 should be correct.

Good, that keeps it simple. Fixture filings in Florida are a whole different headache.

Awesome! Glad the tool worked for you. Those tiny formatting differences are so hard to catch manually.

Great news! Now you can rest easy knowing your security interest is properly perfected.

Success stories like this make me feel better about tackling my own Florida UCC filing next week.

Good point, I'll set a reminder for year 4 to file the continuation. Don't want to go through this stress again!

Smart thinking. I've seen too many lenders lose their security interest because they forgot to file the UCC-3 continuation on time.

Same here! I wish Florida would publish clearer guidelines about their exact formatting requirements.

The learning curve is steep but once you know their quirks it gets easier. Florida is actually pretty efficient once you get the format right.