UCC Initial Financing Statement Filing Rejected - Need Help Understanding Why

I used the name exactly from their certificate of good standing from last month. Should I be looking somewhere else?

Certificate of good standing should work, but double-check the SOS database directly. Sometimes there's a lag between what's on paper certificates vs their live database.

Oh no, how do I check for amendments? I only looked at the original articles.

Log into your state's business entity search and look up the LLC. It should show all amendments, name changes, registered agent updates, everything. Look for anything that might have changed the legal name.

Also check if they merged with another entity or did any restructuring. That can change the legal name even if they're still doing business under the same name.

Never heard of that. How does it work exactly?

Simple PDF upload process. You drag in the LLC articles or certificate, then your UCC-1, and it cross-checks everything automatically. Catches stuff like punctuation differences, abbreviation issues, or if you're using an outdated name.

Interesting, might try this. Been burned by name matching issues too many times.

Right?? And then you have to pay the filing fee again when you resubmit. So frustrating.

Exactly! I've wasted hundreds of dollars on rejection fees because of tiny formatting differences.

Good point about the good standing. Their certificate is from last month so they should be current.

Yeah but double-check the state database directly. Certificates can be outdated by the time you get them.

And definitely don't use any DBA or trade names. Has to be the exact legal entity name as registered with the state.

Yes, first one and clearly I'm in over my head. This $180K loan is depending on getting this lien perfected.

Don't panic, it's fixable. Just need to nail down the exact legal name. The amount of the loan doesn't matter for the UCC-1, just getting the debtor name perfect.

Smart idea. I was retyping everything from the paper documents.

Yeah paper docs can be deceiving. The state database is the source of truth for UCC filings.

Just make sure to clean up any weird characters after copying. Sometimes the database has formatting that doesn't translate well.

They're a local LLC, incorporated and operating in the same state where I'm filing.

Good, that eliminates that issue. Definitely sounds like a name matching problem then.

Didn't know they'd help over the phone. What number did you call?

Check your state's UCC division website. Most have a help desk number listed. They can't give legal advice but they can explain why a filing was rejected.

Some states are more helpful than others. Worth a shot though.

That sounds like exactly what I need. How long does the verification take?

Pretty much instant. Upload your docs and get the results in under a minute. Shows you exactly what doesn't match so you can fix it before filing.

Will do! Appreciate all the help from everyone. Going to check the state database first thing tomorrow.

Good luck! The name matching will drive you crazy but once you get it right, future filings get easier.