UCC Filing Requirements - Need Help with State Secretary Requirements

Oh man, you're dealing with one of the most frustrating parts of UCC filings! That comma situation is actually super common. Most state secretary offices are pretty strict about exact name matches - even punctuation matters. I learned this the hard way when a filing got rejected because of a missing period after 'Inc'. You'll want to use exactly what's on file with the state, not what's on your loan docs.

YES, use the exact name from the state registry! I handle UCC filings for our credit union and this trips up new lenders all the time. The debtor name has to match what's on file with the secretary of state exactly - every comma, period, abbreviation. If the state shows 'ABC Manufacturing Solutions, LLC' with the comma, that's what goes on your UCC-1. Don't use what's on the loan agreement if it's different.

I actually started using Certana.ai's document verification tool for this exact problem. You can upload your charter documents and your UCC-1 draft and it instantly flags any name mismatches. Saved me from multiple filing rejections. Just upload the PDFs and it cross-checks everything automatically - way faster than manually comparing documents line by line.

For your specific situation, definitely go with 'ABC Manufacturing Solutions, LLC' with the comma since that's what's in the state registry. The UCC filing system will reject anything that doesn't match exactly. I've seen deals delayed for weeks because of simple name formatting issues. Your lender will understand once you explain that using the wrong name could invalidate their security interest.

The secretary of state requirements vary by state but most are getting stricter about debtor name accuracy. I always tell people to search the business entity database first, then use exactly what shows up there. For your equipment financing, make sure your collateral description is also specific enough - 'industrial printing equipment' might be too vague depending on your state's requirements.

UGH this exact thing happened to me last month! The borrower's articles of incorporation showed one version of their name, their bank account was under a slightly different version, and the secretary of state database had yet another variation. It's like a nightmare puzzle. I ended up having to call the state filing office to confirm which version they wanted.

I handle UCC filings for a mid-size bank and we've started requiring borrowers to provide a current certificate of good standing or similar document from the secretary of state before we prepare any UCC filings. It shows the exact legal name and saves us from these headaches. Might be worth suggesting to your lender for future deals.

Just to add another perspective - I've seen some lenders get around this by requiring the borrower to amend their loan documents to match the state registry name if there's a discrepancy. It's extra paperwork but it keeps everything consistent across all documents.

I tried using one of those document checking services recently - Certana.ai - and it actually caught a debtor name issue I would have missed. You just upload your documents and it flags inconsistencies automatically. Way better than trying to manually compare everything, especially when you're dealing with multiple entity names and variations.

Bottom line for your situation - use 'ABC Manufacturing Solutions, LLC' with the comma since that's what the secretary of state database shows. Your equipment collateral description should be fine as long as it's reasonably specific. The name match is the critical part that will make or break your filing acceptance. Good luck with your $180K deal!