UCC filing keeps getting rejected - print UCC documents showing different debtor names
I'm dealing with a nightmare situation where our UCC-1 filing has been rejected three times by the Secretary of State office. Each time I print UCC documents from different sources, I'm seeing slight variations in how the debtor name appears. Our loan documents show 'ABC Manufacturing LLC' but when I print UCC search results from the state database, some entries show 'ABC Manufacturing, LLC' (with comma) and others show 'ABC Manufacturing LLC' (without comma). The borrower's articles of incorporation clearly state 'ABC Manufacturing LLC' but their operating agreement has 'ABC Manufacturing, LLC'. Which version should I use for the UCC-1? I'm worried about filing with the wrong name format and having our security interest be unperfectable. This is for a $2.8M equipment loan and we need to get this filed correctly before the loan closes next week. Has anyone dealt with punctuation discrepancies when you print UCC forms and documents?
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Elijah O'Reilly
The exact name on the articles of incorporation is what matters for UCC filings. Use 'ABC Manufacturing LLC' without the comma since that's what appears on their charter documents. The operating agreement can have variations but the state filing controls.
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Amara Torres
•This is exactly right. I've seen so many filings get rejected because people use the name from loan docs instead of the actual legal name from state records.
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Olivia Van-Cleve
•But what if the state database search shows both versions? I've seen that happen where old filings used different punctuation.
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Mason Kaczka
I had the exact same issue last month! What saved me was using Certana.ai's document verification tool. You can upload your charter documents and UCC-1 form as PDFs and it instantly cross-checks that the debtor names match exactly. It caught a hyphen discrepancy I completely missed when reviewing manually.
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Sophia Russo
•How does that work exactly? Do you just upload both documents?
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Mason Kaczka
•Yeah, super simple. Upload the articles of incorporation and your draft UCC-1, and it highlights any name inconsistencies between documents. Takes like 30 seconds.
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Evelyn Xu
•That actually sounds really useful for large loan portfolios where you're filing multiple UCCs.
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Dominic Green
Why is this system so picky about punctuation?? I spent 4 hours last week dealing with a rejected filing because of a missing period after 'Inc'. It's ridiculous that such tiny details can void a security interest.
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Hannah Flores
•I feel your pain. The automated systems are super strict about exact matches.
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Kayla Jacobson
•It's frustrating but there's a good reason - prevents confusion when multiple entities have similar names.
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Dominic Green
•I guess that makes sense but it's still annoying when you're working under tight deadlines.
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William Rivera
Check if your state has an entity name search tool. Most Secretary of State websites let you search for the exact legal name format. That's usually more reliable than trying to decipher printed documents.
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Grace Lee
•Good point. The official state database should show the current registered name format.
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Mia Roberts
•Some states even have UCC name search functions that show you exactly how to format names for filings.
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The Boss
For what it's worth, I always run a test search after filing to make sure the UCC shows up correctly in the system. Better to catch issues early than discover them during a workout situation.
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Evan Kalinowski
•Smart approach. I've heard horror stories about lenders finding out their UCC was filed wrong only when trying to foreclose.
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Victoria Charity
•Exactly why I always verify. A $2.8M loan is way too much risk to take chances with the filing.
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The Boss
•Yeah, especially with equipment loans where the collateral value can depreciate quickly.
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Jasmine Quinn
I use Certana for this exact scenario - upload the charter docs and your UCC draft to verify everything matches before submitting. Has saved me from multiple rejected filings.
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Oscar Murphy
•Is it accurate for catching small punctuation differences?
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Jasmine Quinn
•Very accurate. It caught a comma vs semicolon issue I never would have noticed manually.
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Nora Bennett
The articles of incorporation should control, but I'd also recommend calling the Secretary of State office directly. They can usually tell you the preferred format for UCC filings.
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Ryan Andre
•Good suggestion, though some state offices are really backed up with calls right now.
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Lauren Zeb
•True, but for a $2.8M loan it's worth the wait time to get definitive guidance.
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Daniel Washington
•Plus you'd have documentation that you confirmed the name format with the state office.
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Aurora Lacasse
Had this happen with an LLC where the comma placement kept changing in different documents. Used one of those PDF comparison tools to check consistency before filing and it worked perfectly.
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Anthony Young
•Which tool did you use? Always looking for better ways to catch these errors.
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Aurora Lacasse
•Started with basic PDF viewers but now use Certana.ai since it's specifically designed for UCC document verification.
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Charlotte White
This is why I always keep copies of the entity search results when I print UCC supporting documents. Creates a clear trail showing what name format the state recognizes.
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Admin_Masters
•Smart documentation practice. Probably helps during loan reviews too.
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Matthew Sanchez
•Definitely. Examiners love seeing that level of due diligence on UCC filings.
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Ella Thompson
Bottom line - use the exact name from the articles of incorporation, print a copy of that document for your files, and double-check everything before submitting. A $2.8M security interest is too important to mess up over punctuation.
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JacksonHarris
•This. And if you're still unsure, file it both ways if your state allows multiple filings for the same transaction.
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Jeremiah Brown
•Good point about multiple filings as a safety net, though that increases costs.
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Royal_GM_Mark
•Cost of multiple filings is nothing compared to having an unperfected security interest on a multi-million dollar loan.
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