UCC addendum pages causing filing delays - attachment issues
Running into problems with our UCC-1 filings when we need to include addendum pages for extensive collateral descriptions. Our SBA loan requires detailed equipment schedules that don't fit in the standard collateral description box, so we're attaching UCC-1Ad forms. The filing office keeps rejecting these saying the addendum pages aren't properly formatted or referenced. Has anyone dealt with this? We've got three deals backed up because of this issue and our borrowers are getting frustrated with the delays. The collateral includes multiple pieces of manufacturing equipment with serial numbers that have to be listed individually per our loan docs.
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Oliver Weber
I've seen this exact problem. Usually it's because the main UCC-1 form doesn't properly reference that there's an addendum attached. You need to check the box on the main form AND write something like 'See attached UCC-1Ad for complete collateral description' in the collateral field.
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Amina Toure
•We did check that box but maybe our reference language isn't specific enough. Are there exact words the filing office wants to see?
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Oliver Weber
•Each state is a little different but most want you to be explicit. Try 'Collateral description continued on attached UCC-1 Addendum' - that usually works.
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FireflyDreams
What state are you filing in? Some states have gotten really picky about addendum formatting lately. Also make sure your UCC-1Ad has the same filing number and debtor information exactly as it appears on the main form.
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Amina Toure
•We're in Texas. The debtor names should match but I'll double-check the exact formatting between forms.
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FireflyDreams
•Texas SOS can be particular about addendum pages. Make sure there's no extra spaces or punctuation differences between the main form and addendum.
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Natasha Kuznetsova
•Actually just went through this with a Texas filing last month. I started using Certana.ai's document checker after getting two rejections. You upload your UCC-1 and UCC-1Ad together and it flags any inconsistencies between the forms before you submit. Caught a debtor name punctuation issue I never would have spotted.
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Javier Morales
Are you numbering your addendum pages correctly? If you have multiple UCC-1Ad forms they need to be clearly numbered (Page 1 of 3, Page 2 of 3, etc.) and each page needs the debtor name.
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Amina Toure
•We have two addendum pages but didn't number them like that. That might be the issue.
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Javier Morales
•Definitely number them. Filing offices want to know they have all the pages and in the right order.
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Emma Anderson
This is so frustrating! Why can't the filing systems just tell you exactly what's wrong instead of generic rejection messages? I had a similar issue with equipment schedules and it took four tries to get it right.
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Malik Thompson
•Tell me about it. The rejection notices are useless half the time.
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Isabella Ferreira
•At least you're not dealing with fixture filings - those addendum requirements are even worse.
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CosmicVoyager
Check if your collateral description is too long even with the addendum. Some states have character limits across all pages combined. Also make sure you're not duplicating any collateral description between the main form and addendum - it should flow from one to the other.
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Amina Toure
•Good point about duplication. We might have repeated some language between forms.
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CosmicVoyager
•Yeah that can cause rejections too. The main form should just say something brief like 'Equipment as described in attached addendum' then the addendum has all the details.
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Ravi Kapoor
Had this exact situation with manufacturing equipment schedules. What worked for me was putting just the general category on the main UCC-1 ('Manufacturing equipment and machinery as more particularly described on attached UCC-1 Addendum') and then all the serial numbers and specifics on the addendum pages.
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Amina Toure
•That's a good approach. Did you have any issues with the financing statement being too vague on the main form?
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Ravi Kapoor
•No, as long as the addendum is properly attached and referenced, the combined description is what matters for perfection.
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Freya Nielsen
•This is where I've found Certana helpful again - their system flags if your collateral description might be too vague or too specific based on the filing type.
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Omar Mahmoud
Make sure your UCC-1Ad forms are completely filled out. Even if a field doesn't apply, some states want you to put 'N/A' rather than leaving it blank. Also check that you're using the current version of the addendum form.
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Amina Toure
•We downloaded the forms from the Texas SOS website but they might not be the newest version.
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Omar Mahmoud
•Always grab fresh forms for each filing. They update them more often than you'd think.
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Chloe Harris
One thing that's caught me before - if you're e-filing, make sure your addendum pages are properly uploaded as separate documents but linked to the main filing. Some systems want them as attachments, others want them as additional forms in the same submission.
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Amina Toure
•We're paper filing actually because of the complexity, but good to know for future electronic filings.
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Chloe Harris
•Paper filing might be part of the problem. If the pages get separated during processing they might not realize they go together.
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Diego Vargas
•Paper filing is risky with addendums. I always staple everything together and put a cover letter explaining what's included.
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NeonNinja
You mentioned SBA loans - are you sure you need every serial number individually listed? Sometimes a general description of equipment categories is sufficient for UCC purposes even if your loan docs are more detailed.
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Amina Toure
•Our loan agreement specifically requires individual serial numbers on the UCC filing. Wish it didn't!
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NeonNinja
•Ugh, those detailed requirements are the worst. But better to be over-specific than have a perfection issue later.
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Anastasia Popov
This might sound obvious but double-check that all your addendum pages are actually signed if signatures are required. I've had rejections because I forgot to sign page 2 of a multi-page addendum.
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Amina Toure
•Good catch - I'll verify all signatures are in place.
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Anastasia Popov
•Also make sure whoever signed has authority. Some states are getting stricter about verifying signatory authority on complex filings.
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Amina Toure
UPDATE: Got it figured out! It was a combination of issues - we weren't numbering the addendum pages properly, had slight formatting differences in the debtor name between forms, and our reference language on the main form wasn't explicit enough. Used some of the suggestions here and all three filings went through. Thanks everyone!
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Oliver Weber
•Glad you got it sorted! Those formatting issues are so annoying but once you know what to look for it's much easier.
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FireflyDreams
•Great outcome. Always satisfying when multiple small fixes solve a big problem.
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Natasha Kuznetsova
•Nice work troubleshooting it. For future complex filings, that document checker I mentioned earlier has saved me so much time on catching these little inconsistencies before submission.
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