UCC filing ma - debtor name format causing rejections
I'm dealing with a frustrating situation where my UCC-1 filings keep getting rejected and I'm not sure what's going wrong with the debtor name format. I've been handling secured transactions for a small equipment finance company for about 3 years, but this particular case has me stumped. The debtor is a Massachusetts LLC called "Premier Construction Solutions, LLC" and we're filing against heavy machinery they purchased. I've submitted the UCC-1 three times now and each time it gets kicked back with a "debtor name does not match organizational records" error. I've tried variations like "Premier Construction Solutions LLC" (without the comma) and "Premier Construction Solutions, L.L.C." but nothing seems to work. What's really confusing is that I pulled the company's articles of organization directly from the state database, and I'm copying the name exactly as it appears there. The collateral description seems fine - it's standard construction equipment with serial numbers. The filing fee is correct. But something about the debtor name format is causing these rejections. Has anyone else run into this issue with MA filings? I'm worried about the perfection timing since we're already two weeks into this process and the borrower is getting anxious about their loan closing. Any insights on what might be causing the name mismatch would be hugely appreciated.
37 comments


Brian Downey
I've seen this exact issue before with Massachusetts LLCs. The problem might be that you're using the formal name from the articles of organization, but the UCC system sometimes wants the name exactly as it appears on their business registration database, which can be slightly different formatting. Try checking the Secretary of State's business entity search tool and see if the name displays differently there versus the articles of organization. Sometimes there are subtle differences in punctuation or spacing that cause rejections.
0 coins
Myles Regis
•Good point about checking the business entity search. I did look there initially but maybe I missed something. I'll double-check the exact formatting they show versus what I've been using.
0 coins
Jacinda Yu
•Also worth noting that some states have quirks where the UCC database pulls from a different source than what you'd expect. Massachusetts can be particularly finicky about LLC designations.
0 coins
Landon Flounder
This is so frustrating when it happens! I had a similar rejection pattern last month with a different MA LLC. What ended up working for me was contacting the UCC office directly and asking them to tell me exactly how the debtor name appears in their system. They were actually pretty helpful and pointed out that the company had amended their name slightly after formation but hadn't updated all their public records. The UCC system was pulling from the most current filing, not the original articles.
0 coins
Myles Regis
•That's a great suggestion. I didn't think about calling them directly. Do you remember what number you used to reach someone who could actually help with this?
0 coins
Landon Flounder
•I called the main Secretary of State number and asked to be transferred to the UCC division. Took a few tries to get someone knowledgeable but they eventually helped me figure it out.
0 coins
Callum Savage
•Just be prepared for some hold time. The UCC office can be pretty busy, especially later in the month when continuation filings are due.
0 coins
Ally Tailer
Have you tried running the documents through one of those verification tools before resubmitting? I recently started using Certana.ai's UCC document verification service where you can upload your charter documents and UCC-1 to check if the debtor names match exactly. It caught a subtle formatting issue I would have missed - saved me from another rejection cycle. You just upload the PDFs and it cross-checks everything automatically. Really helpful for catching these name inconsistencies before you submit.
0 coins
Myles Regis
•I haven't heard of that tool before. Is it expensive to use? At this point I'm willing to try anything to avoid another rejection.
0 coins
Ally Tailer
•It's pretty reasonable for what it does. The main value is avoiding exactly what you're going through - multiple rejections and delays. Much cheaper than having to explain to clients why their loan closing got pushed back.
0 coins
Aliyah Debovski
•I've used Certana too - it's genuinely helpful for document consistency checks. Would definitely recommend it for tricky cases like this.
0 coins
Miranda Singer
Massachusetts has been particularly strict about exact name matching lately. I think they upgraded their system last year and it's become less forgiving of minor variations. One thing to check - does the LLC have any DBAs or trade names registered? Sometimes the UCC system references those instead of the legal entity name, especially if the company does business under a different name.
0 coins
Myles Regis
•That's an interesting point about DBAs. I don't think they have any registered but I should verify that. How would I check for that in Massachusetts?
0 coins
Miranda Singer
•You can search for DBAs in the same business entity database. Look for any "trade name" or "doing business as" filings associated with their entity number.
0 coins
Cass Green
UGH this exact thing happened to me last month and it was SO annoying! Three rejections for what turned out to be a missing period after "LLC". The system wanted "Premier Construction Solutions, LLC." with a period at the end, not just "Premier Construction Solutions, LLC" I know it sounds ridiculous but try adding a period after LLC and see what happens. Massachusetts UCC system can be really picky about punctuation.
0 coins
Myles Regis
•Wow, that would be incredibly frustrating if it's something that minor. I'll definitely try that variation on the next submission.
0 coins
Brian Downey
•I've seen punctuation issues cause rejections before but not usually periods after LLC. Worth trying though - stranger things have happened with filing systems.
0 coins
Cass Green
•I was skeptical too but it literally worked on the next try after I added the period. Sometimes these systems have the weirdest quirks.
0 coins
Finley Garrett
Another thing to consider - are you absolutely certain about the entity type? I've seen cases where companies filed as LLCs but are actually registered as something else (like LLPs or corporations). The rejection message might be misleading if the entity type is wrong. Double-check that Premier Construction Solutions is definitely an LLC and not some other business structure.
0 coins
Myles Regis
•I'm pretty confident it's an LLC based on the articles of organization I pulled, but you're right that I should verify the current status hasn't changed.
0 coins
Jacinda Yu
•Good point about entity type. I've seen companies convert from LLC to corporation or vice versa and not all databases get updated immediately.
0 coins
Madison Tipne
Just went through something similar with a Rhode Island filing. What worked for me was literally copying and pasting the name directly from the Secretary of State website rather than typing it out. Sometimes there are invisible characters or formatting that you can't see but the system picks up on. Try highlighting the exact name from the official database and copy/pasting it into your UCC-1 form.
0 coins
Myles Regis
•That's actually really smart. I have been typing it out each time rather than copy/pasting. I'll try that approach.
0 coins
Holly Lascelles
•Copy/paste can sometimes bring over weird formatting though. I usually copy to notepad first to strip any hidden characters, then copy from notepad to the filing form.
0 coins
Aliyah Debovski
I ran into this exact scenario about 6 months ago and ended up using Certana.ai's document checker after the second rejection. It immediately flagged that my charter document showed the company name as "Premier Construction Solutions, L.L.C." but I was filing as "Premier Construction Solutions, LLC" - the difference in the LLC formatting was causing the mismatch. Once I corrected that, the filing went through immediately. Really wish I had checked that before wasting time on multiple submissions.
0 coins
Myles Regis
•That's exactly the kind of subtle difference that would drive me crazy. I'm definitely going to check that tool out before my next submission.
0 coins
Malia Ponder
•Yeah, those tiny formatting differences are the worst. Human eyes just don't catch them consistently but automated tools pick them up right away.
0 coins
Kyle Wallace
Massachusetts UCC filings have been a pain lately. I've noticed they've gotten much stricter about name matching since they updated their system. Used to be more forgiving of minor variations. Have you considered reaching out to the borrower directly? Sometimes they know about name changes or variations that aren't immediately obvious from public records. They might have insights into how their name appears in different state databases.
0 coins
Myles Regis
•That's a good idea. I've been trying to handle this without bothering them too much, but at this point they're probably wondering about the delay anyway.
0 coins
Kyle Wallace
•Exactly - they'd rather be involved in solving the problem than left wondering why their closing is delayed. Most borrowers are pretty helpful when you explain the situation.
0 coins
Ryder Ross
This thread is giving me flashbacks to my own Massachusetts filing nightmare last year. Took me FOUR rejections before I figured out the issue. In my case, it turned out the company had multiple variations of their name in different state databases, and the UCC system was pulling from a different source than I expected. The solution was to try every possible variation I could find until one worked. It's frustrating but sometimes you just have to be persistent with these systems.
0 coins
Myles Regis
•Four rejections sounds awful but at least you eventually got it figured out. I'm hoping I can solve this before it gets to that point.
0 coins
Ryder Ross
•Yeah, it was painful but I learned a lot about how to troubleshoot these issues. The main thing is to be systematic about trying variations rather than just guessing.
0 coins
Gianni Serpent
•I feel like there should be better error messages from these systems. "Name does not match" is so vague when there could be dozens of possible formatting issues.
0 coins
Henry Delgado
Update us when you figure it out! I'm curious which solution ends up working. I do a lot of Massachusetts filings and this kind of information is really valuable for future reference. Also, don't feel bad about the multiple rejections - it happens to everyone eventually. These systems can be really finicky about formatting details that seem trivial but apparently matter a lot to the computers.
0 coins
Myles Regis
•I definitely will update once I get it resolved. This thread has given me several new approaches to try, so I'm feeling more optimistic about getting it sorted out.
0 coins
Olivia Kay
•Yeah, please post the solution when you find it. These kinds of specific troubleshooting details are so helpful for the community.
0 coins