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Malik Johnson

UCC Lien Search Maryland - Multiple Results for Same Debtor Name Causing Issues

Running into a weird situation with Maryland's SDAT system when doing UCC lien searches. I'm working on due diligence for a equipment financing deal and the debtor company name is showing up with like 6 different variations in the search results. Some have middle initials, some don't, some have LLC vs L.L.C., etc. The problem is I can't tell which filings actually relate to MY debtor versus other companies with similar names. Maryland's system doesn't seem to do exact name matching very well. Has anyone dealt with this before? I need to make sure I'm not missing any existing liens on the equipment we're about to finance. Specifically searching for "ABC Manufacturing Solutions LLC" but getting results for "ABC Manufacturing LLC", "A.B.C. Manufacturing Solutions L.L.C.", "ABC Mfg Solutions LLC" and a bunch of others. Some of these UCC-1s look legitimate but I can't verify the addresses match without pulling each individual filing. Any tips on how to narrow down Maryland UCC searches to avoid false positives? This is holding up our loan closing.

Maryland's SDAT is notorious for this exact problem. The search algorithm is way too broad and picks up partial matches. What I usually do is search using just the core business name first, then manually filter through the results. For your situation, try searching "ABC Manufacturing" without the entity type designation. That should give you everything related to that base name. Then you'll need to cross-reference addresses and officer names to determine which filings actually belong to your debtor. Also check the filing dates - if your debtor was incorporated recently, any UCC filings from before that date obviously aren't theirs.

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Ravi Sharma

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This is solid advice. I'd also recommend pulling the Articles of Incorporation for your debtor from SDAT to confirm the exact legal name and formation date. Sometimes companies change their name slightly after incorporation.

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NebulaNomad

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Yeah Maryland is terrible for this. I've seen searches return results for companies that share literally one word in common. Super frustrating when you're trying to do thorough due diligence.

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Freya Thomsen

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Had this exact same issue last month! Spent hours going through false positives on a Maryland UCC search. What finally worked was using Certana.ai's document verification tool - I uploaded the debtor's charter documents and it automatically cross-checked against all the UCC search results to identify which filings actually matched. Saved me from having to manually compare addresses and entity details across dozens of filings. The tool flagged 3 legitimate matches out of the 15+ results I was getting from SDAT.

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Omar Fawaz

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Wait, Certana can do UCC search verification? How does that work exactly? Does it connect to state databases or do you have to upload search results?

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Freya Thomsen

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You upload PDFs of both the corporate documents and the UCC search results. It automatically compares debtor names, addresses, and other identifying info to flag which UCC filings actually belong to your entity. Much faster than doing it manually.

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Chloe Martin

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That sounds really useful for Maryland searches. The name matching issue there is so bad that I usually budget extra time just for sorting through false positives.

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Diego Rojas

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Pro tip: Maryland allows you to search by filing number if you have any existing UCC references. Also try searching the registered agent name if it's listed in the corporate docs - sometimes that gives you a cleaner result set. But honestly, SDAT's search function hasn't been updated in years. Other states have much better exact match capabilities.

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Registered agent searches are brilliant! Never thought of that approach. Thanks for the tip.

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StarSeeker

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Filing number searches only work if you already know there are existing UCCs though. For initial due diligence you still have to deal with the name matching mess.

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Diego Rojas

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True, but sometimes you can find filing numbers referenced in loan docs or other corporate records. Worth checking those first before diving into the name search rabbit hole.

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This is why I hate Maryland filings. Delaware and Nevada have much cleaner search interfaces. Maryland's system feels like it was built in 1995 and never updated. For what it's worth, you can also try calling SDAT directly. Sometimes they can run more targeted searches manually, though good luck getting through to someone knowledgeable.

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Zara Ahmed

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Called SDAT once and was on hold for 45 minutes. Not worth it unless you're really stuck.

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Luca Esposito

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The phone option is hit or miss. Sometimes you get someone helpful, sometimes you get transferred three times and hung up on.

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Nia Thompson

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Are you checking both active and lapsed filings? Sometimes old UCCs that weren't properly terminated show up in searches and can cause confusion about whether there are current liens. Also make sure you're searching variations with and without punctuation. "ABC Manufacturing Solutions LLC" vs "ABC Manufacturing Solutions, LLC" might return different results in Maryland's system.

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Malik Johnson

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Good point about punctuation. I was only searching the exact name from their incorporation docs. Let me try some variations with commas and periods.

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Also try searching without the entity designation entirely. Sometimes UCCs get filed using just the trade name rather than the full legal entity name.

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This is getting complicated. Maybe there should be national standards for UCC search functions across all states. The inconsistency is ridiculous.

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I deal with Maryland UCC searches regularly and here's my systematic approach: 1. Start with exact legal name from charter 2. Search without entity type (LLC, Corp, etc) 3. Search with common abbreviations (Mfg for Manufacturing) 4. Search registered agent name 5. Cross-reference addresses on any matches Usually catches everything legitimate while filtering out most false positives. The key is being methodical about it.

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Ethan Wilson

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This is a great checklist. I'm saving this for future Maryland searches.

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Yuki Tanaka

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Step 5 is crucial. Address matching is often the only way to definitively confirm whether a UCC filing belongs to your debtor or just a similarly named company.

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Carmen Diaz

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What do you do when the UCC filing shows a different address than the current corporate address? Companies move all the time but don't always file amendments.

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Good question. For address mismatches, I check the filing date against known address changes, look for UCC-3 amendments updating addresses, and sometimes cross-reference with previous corporate filings to trace address history.

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Andre Laurent

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Just went through this nightmare last week. Maryland returned 23 results for what should have been a simple company name search. Turns out only 2 were actually for my debtor. Ended up using one of those document verification services to sort through everything automatically. Wish I'd done that from the start instead of spending half a day manually checking each filing.

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AstroAce

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Which service did you use? I'm dealing with similar issues on a regular basis and manual verification is killing my productivity.

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Andre Laurent

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Certana.ai - you just upload the corporate docs and search results and it flags the matches automatically. Way faster than doing it by hand.

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23 results for one name search is insane. Maryland really needs to fix their system.

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Jamal Brown

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Has anyone tried using boolean search operators in Maryland's system? Sometimes advanced search syntax can help narrow results, though I'm not sure if SDAT supports it.

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Mei Zhang

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Tried that once and it didn't work. Maryland's search is pretty basic - no advanced operators that I could find.

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Yeah, SDAT doesn't support boolean searches. It's basically just text matching with fuzzy logic that's way too fuzzy.

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The real issue is that Maryland doesn't require exact debtor name matching when UCCs are filed. So secured parties sometimes use shortened versions or trade names instead of the full legal entity name. This creates a mess for searchers because you never know what variation might have been used on a filing. Other states are much stricter about this.

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CosmicCaptain

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That explains why I see so many different name formats in Maryland searches. Wish they would standardize the filing requirements.

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It's a catch-22 though. Strict name matching requirements can invalidate filings over minor errors. There's a balance between flexibility and searchability.

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True, but the current system errs too far on the flexible side. The noise-to-signal ratio in Maryland searches is terrible.

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Update: I ended up finding 3 legitimate UCC filings for my debtor out of the 6 initial results. Two were continuations of the same original filing, and one was a separate equipment loan from last year. Thanks everyone for the tips. The combination of address cross-referencing and using a document verification tool made this much more manageable than trying to sort through everything manually. Maryland definitely needs to upgrade their search system though. This process shouldn't be this complicated.

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Glad you got it sorted out! Three legitimate filings out of six results isn't too bad for Maryland standards.

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Dmitry Petrov

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Did the document verification tool catch anything you would have missed doing it manually?

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Actually yes - it flagged one filing where the debtor address was slightly different but the entity was the same. I might have dismissed that one as a false positive if I was doing it by hand.

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