UCC search Nebraska filing shows debtor name mismatch - rejected twice

This is spot on advice. Nebraska doesn't mess around with name variations. I always tell clients to pull the official business registration certificate before filing any UCC documents.

Yeah but what if the business name was registered wrong in the first place? We had that happen once where the articles had a typo.

If there's actually an error in the state business records, you'd need to file a correction with the Secretary of State first, then proceed with your UCC filing. It's a pain but necessary.

I did search both versions and found that 'Prairie Wind Agricultural LLC' is the official registration, but all their banking and operational documents use the shortened 'Prarie Wind Ag, LLC' version. So frustrating.

You definitely need to use the official registered name for the UCC filing, even if it's different from what they use day-to-day. The lien won't be properly perfected otherwise.

Never heard of that tool but sounds useful. These manual document comparisons are where mistakes always happen.

Interesting, I'll look into that. Anything to avoid another rejection at this point.

Good point. Our description was pretty generic. Should I be listing specific equipment types or can I use broader categories for this type of agricultural operation?

For grain elevators, I usually recommend something like 'grain storage bins, conveyor systems, cleaning equipment, scales, and related fixtures and attachments.' More specific but still comprehensive.

Just make sure whatever description you use covers all the equipment you need to secure without being so broad it's meaningless.

Tell me about it. I've had filings accepted in other states that would never pass Nebraska's system. Very frustrating when you're working with tight deadlines.

At least they give you clear rejection reasons. Some states just say 'rejected' with no explanation.

Thanks for the reminder. The original UCC expires in about 8 months so I have some breathing room, but definitely don't want to let it slide.

Good thinking. I've seen too many lenders lose their security interest because someone forgot about continuation deadlines while dealing with other filing problems.

Address should be fine - we used the registered office address from their articles. But I'll double-check that too.

Smart move. Nebraska cross-references multiple data points, not just the name.

Yeah, I learned that the hard way. Had a filing rejected because the ZIP+4 code was wrong even though the street address was perfect.

Some of it probably qualifies as fixtures - the permanent installation stuff like storage bins. Should I be doing a separate fixture filing or can it all go on one UCC-1?

You'll probably want to separate them. File one UCC-1 for the moveable equipment and a separate fixture filing for anything permanently attached to the real estate. Nebraska requires fixture filings to be recorded in the real estate records too.

This is getting complicated. Might be worth consulting with a local attorney who knows Nebraska UCC procedures.

How thorough is their checking? Does it catch address format issues too or just names?

It's pretty comprehensive - catches name variations, address formatting, missing fields, that kind of thing. Basically anything that could cause a filing to be rejected.

Will do. Planning to re-file early next week with the exact registered name format. Hopefully third time's the charm.

Good luck! Those grain elevator deals can be tricky with all the different equipment types and fixture issues.

Definitely keep us posted. These state-specific quirks are always good to document for future reference.