UCC business search showing conflicting results for debtor name verification
I'm working on a UCC-1 filing for a commercial equipment loan and running into issues with the UCC business search results. When I search the exact legal name from the borrower's articles of incorporation, I get different results depending on how I format it. The business is 'Advanced Manufacturing Solutions LLC' but the search pulls up partial matches for 'Advanced Manufacturing Solutions' without the LLC designation, plus some older filings under 'Advanced Mfg Solutions LLC'. I need to make sure I'm using the correct debtor name for the UCC-1 since a mismatch could invalidate the perfection. Has anyone dealt with similar UCC business search inconsistencies? The SOS database seems to have multiple variations and I'm not sure which exact name format to use for the filing.
35 comments


Nia Williams
This is super common with LLC name variations. The key is to use the EXACT legal name as it appears on the debtor's organizational documents. Don't rely on what shows up in partial UCC business search results - those can include terminated entities or name changes. Pull the current certificate of good standing or articles to verify the precise legal name format.
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Mateo Gonzalez
•Good point about the certificate of good standing. I did pull that and it shows 'Advanced Manufacturing Solutions, LLC' with a comma before LLC. But the UCC business search doesn't seem to distinguish between comma vs no comma formatting.
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Luca Ricci
•The comma thing trips people up all the time. Most UCC systems treat 'Solutions LLC' and 'Solutions, LLC' as different names even though they're the same entity. Always go with exactly what's on the state filing.
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Aisha Mohammed
I've had UCC filings rejected for exactly this reason. The UCC business search results can show old versions of company names or even dissolved entities with similar names. What state are you filing in? Some states have better search functions than others for entity name verification.
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Mateo Gonzalez
•Filing in Ohio. Their UCC business search seems pretty basic compared to what I've used in other states.
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Aisha Mohammed
•Ohio's system can be tricky. I usually cross-reference with their business entity search too, not just the UCC business search. Sometimes the entity database has more current name information.
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Ethan Campbell
•Ohio definitely requires exact name matches. I learned that the hard way when a UCC-1 got rejected because I used 'Inc' instead of 'Incorporated' even though both showed up in search results.
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Yuki Watanabe
For what it's worth, I recently started using Certana.ai's document verification tool for exactly this type of issue. You can upload the articles of incorporation and your draft UCC-1 and it instantly flags any debtor name mismatches between the documents. Saved me from a filing rejection last month when I missed a subtle name difference.
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Carmen Sanchez
•How does that work exactly? Do you just upload PDFs and it compares the names automatically?
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Yuki Watanabe
•Yeah exactly - upload the charter docs and UCC form as PDFs and it highlights any inconsistencies in debtor names, addresses, even filing numbers if you're doing amendments. Takes like 30 seconds vs manually comparing everything.
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Mateo Gonzalez
•That actually sounds really helpful. I'm always paranoid about missing these kinds of details that could void the perfection.
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Andre Dupont
ugh the UCC business search databases are so frustrating!! I swear they're designed to confuse people. Last week I had three different variations of the same company name show up and had to call the SOS office to figure out which one was actually current.
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Nia Williams
•Calling the SOS office is usually a good backup plan when the online search results are unclear. They can confirm the current legal name on file.
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Andre Dupont
•Yeah but it took like 45 minutes on hold! The online systems really need to be better integrated.
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Zoe Papadakis
Pro tip: if you're seeing multiple name variations in the UCC business search, check the filing dates. Sometimes you'll see the old name from before a name change or merger, and those older UCC filings might still be active. Make sure you're using the current legal name for new filings but also check if there are existing liens under the old name that need to be addressed.
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Mateo Gonzalez
•That's a really good point. I did see some older filings under the abbreviated name from 2019. Should I be concerned about those affecting this new filing?
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Zoe Papadakis
•If they're still active liens, they might be under the old name format. You'd want to verify with the secured party whether those need UCC-3 amendments to update the debtor name to match current records.
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Luca Ricci
•This is why name changes can be such a headache for secured transactions. The old UCC filings don't automatically update when a company changes its name.
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ThunderBolt7
I always run the UCC business search multiple ways - exact name, partial name, without punctuation, etc. You'd be surprised how many slight variations can exist in the database. Better to over-search than miss something important.
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Ethan Campbell
•Smart approach. I do the same thing, especially with company names that have common abbreviations or multiple formatting options.
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Carmen Sanchez
•Do you search both the debtor name exactly as it appears on organizational docs AND how it might appear with common variations?
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ThunderBolt7
•Exactly. I'll search the official name, then variations like with/without commas, abbreviated versions, different entity designations. Takes extra time but prevents filing problems.
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Jamal Edwards
Had this exact situation last year with a manufacturing company. Turned out the UCC business search was showing results for both the current entity and a predecessor company with a similar name that had been dissolved. Always verify the entity is still active before relying on search results for name formatting.
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Mateo Gonzalez
•How did you confirm which entity was current? Through the secretary of state business entity search?
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Jamal Edwards
•Yep, cross-referenced with the business entity database to confirm active status and current name. The UCC business search doesn't always indicate entity status clearly.
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Mei Chen
Another option is to use Certana's UCC verification feature - I upload both the borrower's organizational documents and my draft UCC-1 filing, and it instantly cross-checks that all the debtor information matches exactly. Catches things like punctuation differences or abbreviated vs full names that could cause rejections.
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Andre Dupont
•Is that part of their regular service or do you have to pay extra for document verification?
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Mei Chen
•It's included in their standard document checking tool. Really convenient for catching these small but critical details before filing.
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Luca Ricci
Just to add - make sure you're also checking for any DBA names or trade names that might complicate the search results. Sometimes the UCC business search will pull up filings under assumed names too.
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Mateo Gonzalez
•Good reminder. This company does have a DBA they use for marketing but I don't think there are any UCC filings under that name.
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Zoe Papadakis
•Still worth checking though. I've seen cases where previous lenders filed under the DBA instead of the legal entity name.
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Liam O'Sullivan
The frustrating thing about UCC business search inconsistencies is that different secured parties might have used different name formats over the years, so you end up with a mix of filings under slightly different versions of the same company name. Really emphasizes the importance of getting the debtor name exactly right on new filings.
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Jamal Edwards
•Absolutely. And then when you need to do continuations or amendments later, you have to match exactly what was on the original UCC-1, even if the company name has changed since then.
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Aisha Mohammed
•That's why I always keep detailed records of exactly how I formatted debtor names on original filings. Makes future amendments much easier.
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Liam O'Sullivan
•Smart practice. I've seen UCC-3 amendments get rejected because the debtor name didn't match the original filing exactly, even though both versions were technically correct legal names.
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