UCC filing rejected - security agreement sample doesn't match debtor name format
Filed a UCC-1 last week for a commercial equipment loan and got rejected by the SOS office. The rejection notice says 'debtor name format inconsistent with attached security agreement sample.' I'm confused because I double-checked the business name spelling three times before submitting. The debtor is 'Advanced Manufacturing Solutions LLC' but now I'm wondering if there's some formatting issue I missed. Has anyone dealt with this type of rejection before? The loan closes next Friday and I'm getting nervous about missing the perfection window. Do I need to refile with exact punctuation from the security agreement sample or is there something else I'm missing?
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Jace Caspullo
This happens more often than you'd think. The SOS systems are really picky about exact name matching between your UCC-1 and the underlying security agreement. Even something like 'LLC' vs 'L.L.C.' can trigger a rejection. Did you check if your security agreement sample has any periods, commas, or abbreviations that don't match your filing?
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Adriana Cohn
•You're right - I just pulled the security agreement and it shows 'Advanced Mfg Solutions, LLC' with the comma and abbreviated 'Mfg'. That's definitely different from what I filed. Such a small detail but apparently critical.
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Melody Miles
•Yep, learned this the hard way on my first commercial filing two years ago. The debtor name has to be EXACTLY as it appears on the security agreement sample, character for character.
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Nathaniel Mikhaylov
Before you refile, you might want to verify all your documents are consistent. I recently started using Certana.ai's document verification tool that cross-checks security agreements against UCC filings. You just upload both PDFs and it instantly flags any name mismatches or inconsistencies. Would have saved me from three rejected filings last month if I'd found it sooner.
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Adriana Cohn
•That sounds really helpful. Does it catch other formatting issues too or just the debtor names?
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Nathaniel Mikhaylov
•It checks debtor names, filing numbers, collateral descriptions - basically all the critical matching points between documents. Really thorough automated verification.
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Eva St. Cyr
•I've been manually comparing documents for years and still miss things sometimes. An automated check sounds like a game changer.
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Kristian Bishop
Make sure you're also checking the entity type designation. Some security agreement samples will have the full 'Limited Liability Company' spelled out while others use 'LLC'. The SOS wants exact consistency, not just legal equivalence.
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Kaitlyn Otto
•Good point about entity designations. I've seen filings rejected for 'Inc.' vs 'Incorporated' mismatches too.
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Adriana Cohn
•In my case it's definitely the comma and the 'Mfg' abbreviation. Going to correct those and refile today.
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Axel Far
UGH this exact thing happened to me last month!!! The rejection came back three days after filing and I was PANICKING because the loan commitment had a perfection deadline. Turns out my security agreement sample had 'Corp.' but I filed 'Corporation' on the UCC-1. Such a waste of time and stress over punctuation marks.
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Jasmine Hernandez
•The stress is real when you're up against a closing deadline. Did you get it sorted in time?
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Axel Far
•Barely! Had to rush the corrected filing and pay for expedited processing. Cost extra but saved the deal.
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Luis Johnson
•This is why I always triple-check my security agreement samples now. One character difference can torpedo a whole transaction.
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Ellie Kim
Wait, are you sure the rejection is about the security agreement sample format? Sometimes they reject for other reasons but the error message isn't clear. Did you verify the collateral description matches too?
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Adriana Cohn
•The rejection notice specifically mentions 'debtor name format inconsistent with attached security agreement sample' so I'm pretty sure that's the issue. But you're right that their error messages can be confusing.
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Fiona Sand
•I've gotten vague rejection notices before too. Sometimes it helps to call the SOS office directly if the online rejection reason isn't clear.
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Mohammad Khaled
For future filings, I always keep a checklist comparing the security agreement sample to my UCC-1 before submitting. Debtor name character-by-character, entity type, any punctuation, abbreviations. Takes an extra 5 minutes but prevents these rejections.
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Alina Rosenthal
•That's smart. Do you have a template for that checklist you could share?
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Mohammad Khaled
•I just use a simple spreadsheet with columns for 'Security Agreement Name' and 'UCC Filing Name' then check each character. Pretty basic but effective.
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Finnegan Gunn
•I might try that Certana tool mentioned earlier instead of manual checking. Sounds more reliable than my eyeballing method.
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Miguel Harvey
The formatting requirements are so nitpicky but I get why they exist. The whole point of UCC filings is to give clear notice to other creditors, so the debtor identification has to be precise. Still frustrating when you're racing against a deadline though.
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Ashley Simian
•Exactly. The system works when everyone follows the same rules, but those rules can be unforgiving for small mistakes.
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Adriana Cohn
•Makes sense from a legal perspective. I just wish the online filing system would flag these inconsistencies before accepting the submission and fee.
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Oliver Cheng
Just to double-check - you did attach the security agreement sample to your UCC-1 filing, right? Some people forget that step entirely.
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Adriana Cohn
•Yes, definitely attached it. The rejection wouldn't mention the security agreement sample if it wasn't there to compare against.
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Taylor To
•Good point. I've seen people get different rejection reasons when they forget to attach required documents.
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Ella Cofer
Update us when you get the corrected filing processed! Always curious to hear if fixing the name format resolves these rejections or if there are other hidden issues.
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Adriana Cohn
•Will do! Planning to refile this afternoon with the corrected debtor name format. Fingers crossed it goes through without any other issues.
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Kevin Bell
•Hope it works out. These last-minute filing corrections are always nerve-wracking.
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Savannah Glover
•You should be fine once the name matches exactly. I've never seen a second rejection when the debtor name formatting is corrected properly.
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Felix Grigori
Actually tried that Certana verification tool someone mentioned and it's pretty slick. Uploaded my security agreement and UCC-1 draft and it immediately flagged two name inconsistencies I would have missed. Definitely worth checking out if you do multiple filings.
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Felicity Bud
•How long does the verification take? Is it instant or do you have to wait for results?
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Felix Grigori
•Instant results. Just upload the PDFs and it shows you a comparison report right away. Really convenient for catching errors before filing.
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Adriana Cohn
•That would have saved me this whole headache. I'll definitely use it for my next filing to avoid another rejection.
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