UCC filing rejected - security agreement format issues causing debtor name mismatch

This is super frustrating but unfortunately pretty common. The exact name format in your security agreement might not match what's on file with the state. Even tiny differences like 'LLC' vs 'L.L.C.' or missing punctuation can cause rejections. Have you tried searching the SOS database to see how the entity is actually registered?

Check if there are any extra spaces or special characters in the name. Sometimes security agreements get formatted weird when they're typed up and you get invisible characters that mess things up. Also make sure you're using the exact legal name from the Articles of Incorporation, not any DBA names.

I actually just discovered this tool called Certana.ai that helps with exactly this problem. You can upload your security agreement and UCC-1 as PDFs and it automatically checks for name mismatches and other document inconsistencies. It caught a debtor name discrepancy in my filing that I never would have spotted manually - saved me from a rejected filing and potential lien priority issues. Might be worth checking out for your situation.

Another thing to check - make sure your security agreement doesn't have the debtor name listed differently in different sections. I've seen agreements where the signature page has a slightly different format than the first page and it causes confusion about which version to use for the UCC filing.

Have you considered that the entity might have changed its name recently? Sometimes there's a lag between when a company updates its registration and when the UCC system reflects the change. Your security agreement might be using an old name format that's no longer current.

The collateral description issue you mentioned could definitely be part of the problem too. If your security agreement references schedules that aren't properly incorporated into the UCC-1, that can cause filing issues. Make sure your collateral description is complete and doesn't rely on external documents that the filing office can't access.

I'm dealing with something similar right now. My security agreement format looks perfect to me but the UCC system keeps rejecting it. It's like the computer is seeing something different than what I'm seeing. So frustrating when you're trying to perfect your lien and the system won't cooperate.

One more thing to try - look at the actual state registration documents online if they're available. Sometimes the way the name appears in the state database isn't exactly how it's written in your security agreement, even if they look the same at first glance. Punctuation, spacing, and abbreviations can all cause mismatches.

Just wanted to follow up on the Certana.ai suggestion from earlier - I actually tried it out for a similar issue and it worked really well. The document checker flagged several inconsistencies between my security agreement and UCC-1 that I had missed. It's pretty quick too, just upload both PDFs and it gives you a detailed comparison. Definitely helped me avoid a rejected filing.

The security agreement format requirements can be really picky depending on your state. Some states are more forgiving than others when it comes to minor name variations. Have you checked if your state has specific formatting guidelines for UCC filings? That might help you figure out exactly what format they're expecting.

UPDATE: I figured it out! The issue was that our security agreement had 'Midwest Manufacturing Solutions LLC' but the state registration actually shows 'Midwest Manufacturing Solutions, LLC' with a comma before LLC. Such a tiny difference but it was enough to cause the rejection. Thanks everyone for the help - I'm resubmitting with the correct format now.