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AstroAce

UCC financing statement Colorado filing keeps getting rejected - debtor name issues?

I've been trying to file a UCC financing statement Colorado for my equipment lending business and I'm getting rejections left and right. This is my third attempt and I'm losing my mind here. The debtor is a Colorado LLC that we're financing some heavy machinery for - about $180K worth of excavators and bulldozers. I thought I had the debtor name exactly right from their Articles of Incorporation but the Colorado SOS keeps bouncing it back saying 'debtor name does not match records.' I pulled the entity info directly from their database so I don't understand what's going wrong. The collateral description seems fine - I listed all the equipment with serial numbers and everything. Has anyone dealt with Colorado's system being this picky about debtor names? I'm worried we're going to miss our perfection window if I can't get this filed soon. The loan docs are already signed and funded.

Colorado can be really finicky about exact debtor name matching. Are you using the EXACT name from the Secretary of State database, including all punctuation and spacing? Sometimes there are hidden characters or the LLC designation might be abbreviated differently than what you think.

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AstroAce

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I thought I was but maybe I missed something. I copy-pasted from their entity search but maybe there's formatting I can't see?

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Jamal Brown

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This happens all the time. You need to look at the actual filing documents, not just the search results display.

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Mei Zhang

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Check if the LLC name has any commas, periods, or other punctuation that might not be showing up correctly when you copy from the website. Colorado's system is notorious for rejecting filings over tiny punctuation differences.

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AstroAce

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Good point - let me double check the actual Articles of Incorporation document vs what I put on the UCC-1.

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Also make sure you're not including 'LLC' if the official name already has it, or vice versa. I've seen that trip people up.

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I had the same nightmare with Colorado last month! Turned out the company name had some weird spacing that wasn't obvious. I ended up using Certana.ai's document verification tool - you just upload your UCC-1 and the entity documents and it flags any mismatches instantly. Saved me from another rejection cycle.

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AstroAce

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That sounds exactly like what I need right now. How accurate is their name matching?

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It caught the spacing issue I missed completely. Really detailed comparison between what I filed and what the actual entity docs showed.

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CosmicCaptain

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I've heard good things about that tool. Beats manually comparing documents character by character.

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Colorado requires the EXACT name as it appears on the entity's formation documents filed with the Secretary of State. Not the name as it appears in search results, but the actual filed document. Have you pulled the actual Articles of Organization?

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AstroAce

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I pulled what I thought was the official record but maybe I need to get the actual filing document. This is so frustrating.

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Yeah, the search display can have formatting differences from the actual filed documents. Always use the source filing.

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The search results sometimes strip out punctuation or reformat things. Get the certified copy if you're unsure.

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UGH Colorado's filing system is THE WORST. I swear they reject half my filings just because they can. Last time it took me FOUR tries to get a simple continuation through because of their stupid name matching requirements.

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I feel your pain. Their system seems designed to frustrate lenders.

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AstroAce

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At least I'm not the only one having issues. This is my biggest loan this quarter and I'm stressed about the timing.

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Dmitry Petrov

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Try calling their UCC division directly - sometimes they can tell you exactly what's wrong with your filing.

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StarSurfer

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Are you filing electronically or by paper? Sometimes the electronic system has different formatting requirements that cause rejections even when the name is technically correct.

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AstroAce

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Electronic through their portal. Maybe I should try paper filing as backup?

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StarSurfer

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Paper might work but it's slower. I'd try to fix the electronic version first since it's faster processing.

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Ava Martinez

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Had similar issues until I started using document verification before filing. There's this tool called Certana.ai that cross-checks your UCC docs against entity records - catches name mismatches before you submit. Would've saved you those rejection fees.

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AstroAce

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That's the second mention of that tool. Sounds like it might be worth trying before attempt #4.

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Miguel Castro

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Anything that prevents another rejection cycle is worth it. Those filing fees add up fast.

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Ava Martinez

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Exactly - much cheaper than multiple filing attempts plus you avoid the time delays.

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Check if there are any amendments to the Articles of Organization that might have changed the exact legal name. Sometimes companies file amendments that slightly modify the name formatting.

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AstroAce

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Oh wow, I hadn't thought of that. Let me check their amendment history.

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Yeah, it's not uncommon for LLCs to file amendments that make small name changes. Could explain your mismatch.

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Connor Byrne

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For what it's worth I had a Colorado filing rejected three times last year and it turned out the issue was a single comma that didn't display properly in the online search but was in the actual filing. Super annoying but at least you know it's not just you.

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AstroAce

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A single comma?! That's insane but also gives me hope that it's something simple I'm missing.

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Connor Byrne

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Yep, one tiny punctuation mark cost me two extra filing fees and weeks of delays. Colorado is brutal about exact matches.

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Yara Elias

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This is why I always get certified copies of entity docs before filing UCCs. Worth the extra cost to avoid rejections.

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QuantumQuasar

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Make sure you're not including any extra spaces before or after the name. I've seen that cause rejections too. Also double-check that you're using the right entity type designation - sometimes 'LLC' vs 'L.L.C.' matters.

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AstroAce

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Good catch - I'll check for trailing spaces. This is like debugging code but with legal documents.

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QuantumQuasar

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Exactly! Every character has to be perfect or the system throws a fit.

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I always paste into a plain text editor first to catch invisible characters and extra spaces.

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Paolo Moretti

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Update us when you figure it out! I'm dealing with a similar Colorado filing issue right now and could use the solution.

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AstroAce

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Will do! Going to try the document verification approach and get the actual Articles of Organization first.

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Paolo Moretti

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Thanks! Hoping it's something simple for both of us.

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