UCC formulario filing got rejected - debtor name issue need help

It's an LLC. I used the exact name from my articles of organization but maybe there's a formatting difference in their database?

LLC names are tricky because you need to match the official registered name exactly, including punctuation. Try pulling a current certificate of good standing to see the exact format they have on file.

That's a good point about amendments. We did update our registered agent last year but I don't think that affected the entity name.

registered agent changes don't usually affect the name but sometimes there are clerical updates that happen at the same time. definitely worth checking

Exactly. Sometimes secretaries of state make minor corrections during other filings that don't get communicated back to the business owner.

That sounds incredibly helpful! How does the Certana tool work exactly? Do you just upload PDFs?

Yes, super simple. Upload your charter documents and your UCC form, and it cross-checks all the debtor information automatically. Shows you exactly where the inconsistencies are so you can fix them before filing.

This is brilliant! I've been manually comparing documents for years. Technology finally catching up to our pain points.

I get the frustration but the strict name matching actually protects everyone. Imagine if secured parties could file against similar-sounding businesses - it would be chaos for searches.

I suppose that makes sense from a legal standpoint but it doesn't make the process any less annoying when you're dealing with deadlines

Good point about the collateral description. I did list specific categories but maybe I should attach a detailed equipment schedule?

For commercial loans over a certain amount, banks typically require detailed schedules. It also helps with future amendments if you need to release specific items.

attachment schedules are definitely best practice for equipment financing. makes everything cleaner for searches and releases later

We do have DBAs for marketing purposes but I used the LLC legal name. The state of organization should be correct since we formed locally.

Sounds like you're on the right track then. The issue is probably just a formatting discrepancy in the official records.

I didn't think to check the online database directly. That's probably where I'll find the exact formatting they want.

Exactly! Always use the SOS database as your source of truth for entity names, not your own paperwork. It's the only way to guarantee acceptance.

this is great advice. I always tell my clients to do the database search first before filling out any UCC forms

That's smart to involve the bank's attorney. I was trying to handle this myself to save costs but maybe that was penny-wise and pound-foolish.

The attorney fees are usually minimal compared to the cost of delays or rejection cycles. Plus they often have template language that works well with your state's requirements.

Two people have mentioned Certana now. Seems like it would be worth trying given how much time I've already spent on this.

Definitely worth it for the peace of mind. The automated document comparison is incredibly thorough.

I have about 10 days left on the deadline. The bank seems understanding but I don't want to push it too far.

10 days should be plenty if you can identify and fix the name issue quickly. Most SOS offices process electronic UCC-1s within 24-48 hours.

agree 10 days is workable. just make sure you get the name format exactly right this time to avoid another rejection cycle

That's excellent advice for the future. This experience has definitely taught me to be more systematic about entity name consistency.

Yeah, it's one of those things you learn the hard way but then it makes everything so much smoother going forward.