UCC fee meaning - multiple charges showing up on my filing receipt

I filed online through their portal. Thought that would be cheaper but apparently not.

Online filing usually IS cheaper. The expedite fee suggests you selected faster processing. Check if you accidentally clicked express service during submission.

That would explain it. I was in a hurry to get the lien perfected before our loan closing next week.

Yeah rushing UCC filings gets expensive fast. Most lenders give you reasonable time frames if you communicate early about filing timelines.

I made the same mistake on my first equipment loan. Paid almost $200 in fees because I panicked about the deadline. Regular processing would have been fine.

That's smart. Wish I had known about that before submitting. Would have saved me from questioning all these fees.

Document verification tools are worth it. I've seen too many filings get rejected for minor errors, then you pay fees twice.

Fees have definitely increased over the years. But $89 for a termination seems high unless you expedited it or filed in a particularly expensive state.

It was California. Everything costs more here but still seems excessive for uploading a one-page form.

California does have some of the highest UCC filing fees in the country. Worth shopping around if you have offices in multiple states.

Makes sense now. I definitely chose the fastest option available because I was stressed about timing.

Loan officers should really explain UCC fee structures better upfront. Would prevent a lot of sticker shock.

My collateral description was pretty detailed since we have excavators, bulldozers, trucks, and smaller equipment. Maybe that triggered additional document fees.

Detailed collateral schedules can push you into higher fee categories. Some states charge per attachment or per page over the standard form.

I learned to keep collateral descriptions concise after getting hit with extra fees. "All equipment" covers more than you'd think legally.

At least it's not completely outrageous then. Still wish the fee breakdown was clearer upfront.

Most states publish fee schedules on their SOS websites. Worth checking before filing to avoid surprises.

Definitely going to use verification tools for future filings. These fee surprises are stressful enough without rejection risks.

Document verification is especially important for construction equipment loans. The collateral schedules get complex and errors are common.

Good advice. I'll factor higher fees into future equipment purchases.

Inflation hits government fees hard too. Most states haven't updated their systems in years so they're trying to recover costs through higher filing fees.

Some states are better than others for UCC costs. If you have multi-state operations, it's worth considering where to file when possible.

Exactly! The interface is confusing about what each option actually costs.

Most SOS filing systems could use better user interface design. The fee structures aren't intuitive at all.

Same experience here as a newcomer to UCC filings. The system should really show a running total as you select options instead of surprising you at the end. Would help people like us budget properly for our first equipment loans.