UCC lien on chiropractor equipment - debtor name mismatch causing rejection

This is exactly right. The UCC system is very strict about exact name matching. Even a missing comma can cause rejection.

Thanks, I'll double check our entity filing. Did you have to refile your UCC-1 with the corrected name?

Yes, had to refile but it went through immediately once we used the exact name from the entity search.

Absolutely this. The debtor name has to match character for character what's in the state business records.

Just checked and you're right - it shows 'Wellness Solutions Springfield, LLC' with the comma in the official records. Our equipment contract has it without the comma.

Never heard of that but sounds useful. Manual comparison of documents is such a pain.

That actually sounds perfect for this situation. I'll check it out - need to avoid any more rejections with this tight timeline.

Yeah just upload your LLC docs and the UCC-1 PDF and it catches inconsistencies automatically. Super simple.

Good point about the bank docs. I'll call them tomorrow to make sure everything aligns.

Banks usually have standard procedures for this. They deal with entity name variations constantly.

Exactly. Electronic filing is fast once you have the correct information.

That's reassuring. I was worried about multiple rejection cycles eating up time.

The bank's handling it but they're using the name from our equipment purchase agreement which apparently has the wrong version.

Banks usually verify entity names themselves but mistakes happen when they rely on other documents.

Makes sense. At least now you know exactly what name to use going forward.

Interesting - I'll check if we've ever filed amendments that might have changed our official name format.

Good catch. Entity amendments can definitely create name variations over time.

That's good to hear. I was worried there might be other complications I hadn't thought of.

Medical equipment financing is bread and butter for most commercial lenders. You should be fine.

Good point. I'll review both documents to make sure the equipment descriptions align properly.

Collateral descriptions should be specific enough to identify the equipment but not so detailed that minor variations cause problems.

Exactly right. Something like 'chiropractic adjustment tables and digital radiographic equipment' is usually sufficient.

Will do! Thanks everyone for the help. Feeling much more confident about getting this sorted out.

These threads are so helpful for learning about common filing issues.