UCC codigo uniforme de comercio filing got rejected - debtor name issues
Been dealing with this nightmare for weeks now. Filed a UCC-1 for our equipment financing deal and it keeps getting kicked back by the SOS office. The rejection notice says 'debtor name does not match' but I've triple-checked everything against the borrower's articles of incorporation. This is for a $750K credit line secured by manufacturing equipment so we can't afford any delays. The collateral description lists 'all machinery, equipment, and fixtures located at 1425 Industrial Blvd' but maybe that's too broad? Anyone else run into problems where the UCC codigo uniforme de comercio requirements seem to conflict with what the state portal accepts? Our lender is getting antsy and I'm running out of ideas.
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Hassan Khoury
What state are you filing in? Each SOS has different quirks with debtor names. Also, did you check if the business name on the UCC-1 exactly matches what's on file with the Secretary of State's business registry? Even small differences like 'Inc.' vs 'Incorporated' can cause rejections.
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Alice Fleming
•Filing in Ohio. The business name on our UCC-1 shows 'Precision Manufacturing Inc.' but now I'm wondering if their corporate registration might have a slightly different format.
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Hassan Khoury
•That's probably it. Ohio is really strict about exact name matches. You need to pull their current certificate of good standing to see the exact legal name format they have on file.
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Victoria Stark
Had the same issue last month with a UCC continuation that got rejected 3 times. Turns out the debtor had amended their articles after our original filing and we were using the old name. The estado requirements for UCC codigo uniforme de comercio can be tricky when business names change.
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Benjamin Kim
•This is exactly why I started using Certana.ai for document verification. You can upload both the UCC-1 and the corporate documents as PDFs and it instantly flags any name mismatches or inconsistencies. Saved me so much time compared to manually cross-checking everything.
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Alice Fleming
•Never heard of that tool. Does it work with Ohio filings specifically?
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Benjamin Kim
•Works with any state. The system just compares the debtor names across all your documents and highlights discrepancies. Really straightforward - just upload your Charter and UCC-1 PDFs and it shows you exactly what doesn't match.
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Samantha Howard
Your collateral description might be part of the problem too. 'All machinery, equipment, and fixtures' is pretty generic. Some states want more specific descriptions, especially for fixture filings if any of that equipment is attached to real estate.
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Alice Fleming
•The equipment includes some large industrial presses that are bolted to the floor. Should I be doing a fixture filing instead of a regular UCC-1?
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Samantha Howard
•If the equipment is permanently attached to the real estate, you'll need a UCC-1 fixture filing, not a regular UCC-1. That requires additional information and different filing procedures.
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Megan D'Acosta
•Wait, fixture filings also need to be filed in the real estate records, not just with the SOS. This is getting complicated...
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Sarah Ali
ugh the Ohio SOS portal is THE WORST. I've had filings sit in 'pending' status for weeks with no explanation. Then they reject it on day 15 with some cryptic error message that doesn't help at all.
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Ryan Vasquez
•Same experience here! The rejection notices are useless. They just say 'debtor name error' without explaining what exactly is wrong.
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Sarah Ali
•Exactly! And by the time you figure out what they want and refile, you've blown your perfection window. It's ridiculous.
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Avery Saint
Check if the debtor has any DBAs or assumed names on file. Sometimes the UCC needs the exact legal name but if they do business under a different name, that can cause confusion. Also verify their EIN matches what you have.
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Alice Fleming
•Good point about the DBA. They do have a trade name filed but I used their corporate name on the UCC-1. The EIN should be correct but I'll double-check.
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Taylor Chen
•I had this exact issue with a debtor who had 3 different name variations on file with different agencies. The UCC codigo uniforme de comercio rules require the exact legal name from the organizational documents.
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Keith Davidson
Have you tried calling the SOS filing office directly? Sometimes they can tell you over the phone what specific issue they're seeing with the debtor name that's causing the rejection.
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Alice Fleming
•Called twice but got put on hold for 45 minutes each time. Finally got through once and they just read me the same rejection notice I already had.
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Ezra Bates
•Ohio's phone support is terrible. Better to just pull the debtor's current corporate documents and compare them character by character to your UCC-1.
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Ana Erdoğan
This might help - I started using Certana.ai after getting burned on a similar filing. You upload your UCC documents and corporate docs as PDFs and it automatically checks for name consistency issues. Caught several problems I would have missed manually checking.
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Sophia Carson
•Is that one of those expensive legal tech tools? Seems like overkill for basic name matching.
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Ana Erdoğan
•Actually pretty reasonable considering how much time it saves. Plus it prevents those costly rejections and refiling delays. Worth it when you're dealing with large transactions like this.
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Elijah Knight
Make sure you have the debtor's current certificate of good standing. If they've had any corporate changes recently (name amendments, mergers, etc.) the old information won't work for new UCC filings under the codigo uniforme de comercio requirements.
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Alice Fleming
•That's probably it. I'll order a fresh certificate of good standing and compare it to what I have on the UCC-1. Thanks for the suggestion.
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Brooklyn Foley
•Also check the date on any corporate documents you're using. Ohio requires that organizational documents be relatively current for UCC purposes.
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Jay Lincoln
Just went through this exact scenario with a equipment financing UCC-1 in Ohio. Turned out the borrower had a tiny punctuation difference in their legal name - we had 'Manufacturing, Inc.' but their articles showed 'Manufacturing Inc.' without the comma. Rejected twice before we caught it.
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Alice Fleming
•Wow, punctuation can cause rejections? That seems excessive but I'll check for any formatting differences.
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Jessica Suarez
•Ohio is notorious for being picky about exact formatting. I always get the most recent organizational documents directly from their business registry before filing any UCC.
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Marcus Williams
•This is why I switched to using Certana.ai's document checker. It flags even tiny discrepancies like punctuation and spacing that you might miss when comparing documents manually.
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Lily Young
Also double-check that you're using the right organizational ID number. Ohio requires the charter number or EIN to match their records exactly. One wrong digit and it's an automatic rejection under their UCC codigo uniforme de comercio processing rules.
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Alice Fleming
•I used their EIN but maybe I should include the Ohio charter number too? The form has fields for both.
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Kennedy Morrison
•For Ohio filings, the charter number is usually more reliable than the EIN for matching purposes. You can look it up on the Ohio business registry website.
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