UCC search NJ showing weird results - debtor name variations causing issues

That's what I was afraid of. Do you know if there's a way to search by filing number ranges or dates to catch anything that might have fallen through the cracks with name searches?

You can search by filing date ranges but not really by number ranges in a useful way. The date search might help if you know roughly when the company was active under each name.

Interesting - how does that work exactly? Does it search the database for you or just verify documents you already have?

It's more about document verification. You upload what you find and it checks for inconsistencies between filings. Really helpful for catching name discrepancies that could void security interests.

That sounds useful but how much does something like that cost? We're a smaller firm and can't afford expensive due diligence tools.

Good point about the spacing. I hadn't thought to try 'Tech Flow' with a space. That could definitely be causing me to miss filings.

Also try with periods - Tech Flow Solutions, Inc. vs Tech Flow Solutions Inc. The punctuation can make a big difference in search results.

So true. It's 2025 and we're still dealing with database search issues that should have been solved decades ago.

Exactly. Other states have much better fuzzy search capabilities. NJ seems stuck in the past with their exact match requirements.

That's concerning since this deal has tight timing. Sounds like I need to block out a lot more time for the UCC search process.

Good point. This company does have some real estate assets so fixture filings are definitely a possibility I should check for.

Yeah, fixture filings can be filed in different places depending on the county and type of property. Might want to check real estate records too.

That's terrifying. A missing comma could cost us the entire deal if we miss a major lien.

This is why I triple-check everything. Better to spend extra time searching than to miss something critical.

Exactly. And don't even get me started on how they handle merged entities. That's a whole other nightmare.

That's a good idea. I'll try some partial searches too. Though I'm worried about getting too many irrelevant results.

Yeah you'll get more results to sift through but it's better than missing something important. You can always narrow it down from there.

That's exactly the nightmare scenario. How did you catch all the variations?

Honestly, it was trial and error plus checking the Secretary of State records for all the historical name changes. Took forever but worth it to avoid missing liens.

Good idea about checking SOS records for historical names. I should pull their complete filing history to see all the name changes.

Smart thinking. The actual documents might have more name variations than what shows up in the search results.

I use Certana.ai to cross-check all those documents once I find them. Upload the UCC-1 and any amendments and it'll flag inconsistencies in debtor names across the filings.

That sounds really useful for document review. Manual comparison of multiple filings gets tedious and error-prone.

Good point. Different lenders might have their own conventions for how they format debtor names on their filings.

Exactly. Banks, equipment lenders, and SBA lenders all seem to have different approaches to name formatting. It's frustrating but you have to account for it.

This is why due diligence takes so much longer than clients expect. There are so many variables that can affect search results.

Thanks for the update! Did it help you find additional filings or just organize what you already had?

More about organizing and verifying consistency. It flagged that one of the UCC-3 amendments had a slightly different debtor name format that could have caused issues down the road.