UCC filing for sample security agreement for promissory note - debtor name consistency help

I ran into this exact same issue last month! The Corp vs Corporation thing is actually a bigger deal than most people think. Each state SOS office has different tolerance levels for name variations. Some will auto-reject, others are more flexible. What state are you filing in? That makes a huge difference in how strict they are about exact matches.

Always use the EXACT name from the articles of incorporation or charter. The UCC requires the "correct" legal name of the debtor, which means what's officially registered with the state. If your charter says Corporation, use Corporation on the UCC-1. Don't risk it with abbreviations.

Had a similar nightmare scenario where we used Inc instead of Incorporated and the filing got rejected. Cost us a week and created a gap in perfection. Now I always triple-check the charter documents before submitting any UCC filings. Document consistency is everything in secured transactions.

UGHHH the name matching requirements are so frustrating! I spent hours last week going back and forth with our secretary of state office because they rejected a filing over a middle initial. The rules are so inconsistent between states too.

Pro tip: when in doubt, call the SOS filing office directly. Most states have a UCC division that can give you guidance on name variations before you submit. Takes 5 minutes and can save you days of back-and-forth.

Been doing UCC filings for 15 years and the #1 cause of rejections is still debtor name issues. Your instinct to be careful is right. Go with the charter spelling, double-check the collateral description matches your security agreement, and you should be fine.

I had the same Corp vs Corporation question last year and decided to file using both versions just to be safe. Filed one UCC-1 with Corp and another with Corporation. Overkill maybe but both got accepted and now I have bulletproof perfection.

Wait, doesn't the promissory note spelling matter too? If the note says Corp but you file with Corporation, could that create issues if you need to enforce the security interest later?

I actually had good luck with that Certana tool someone mentioned earlier. Uploaded my security agreement and UCC-1 draft and it caught three different name inconsistencies I missed. Worth checking out if you're doing a lot of these filings.

Just to close the loop - filed using the full Corporation spelling from the charter and it was accepted same day. Thanks everyone for the advice. Sometimes the obvious answer is the right answer.

Great outcome! This thread is a perfect example of why getting the debtor name exactly right is so critical. For anyone else facing similar issues, I'd add that it's also worth checking if your state has any specific UCC name search guidelines published online. Some states like Delaware and New York have detailed guidance documents that can help you understand their exact matching requirements before filing. The few minutes spent researching upfront can save hours of rejection headaches later.