UCC warehouse lien filing rejected - debtor name issues need help
Got a warehouse lien UCC-1 rejection yesterday and I'm honestly lost. We're securing inventory stored in a third-party warehouse facility and the SOS kicked it back saying debtor name doesn't match exactly with the business registration. The warehouse operator uses "ABC Storage Solutions LLC" on their lease agreements but their articles show "ABC Storage Solutions, LLC" with the comma. Is this really going to void our $2.8M credit line if we can't get this perfected? The inventory cycles through weekly so time is critical. Has anyone dealt with warehouse lien filings where the debtor entity name has punctuation differences like this? Our closing is next Tuesday and the lender is getting nervous about the security interest not being properly recorded.
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Chloe Delgado
Punctuation matters unfortunately. The UCC-1 debtor name has to match the official state records exactly or you risk the filing being legally insufficient. For warehouse liens especially you can't afford any ambiguity since inventory is constantly moving. I'd check the Secretary of State database and use whatever name format appears in their business entity search results.
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Ava Harris
•This exactly happened to us last year. One missing comma and our entire equipment financing almost fell through at closing.
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Jacob Lee
•Wait so even a comma can invalidate the whole lien? That seems excessive for such a minor detail.
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Emily Thompson
You need to file an amended UCC-1 immediately with the correct debtor name. Don't try to argue with the filing office about punctuation - they're right to reject it. The warehouse lien won't be perfected until you get an accepted filing with the exact entity name.
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Sophie Hernandez
•How long does an amendment usually take to process? Their closing is Tuesday which doesn't give much time.
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Emily Thompson
•Electronic amendments are usually same day or next business day in most states. But double-check that debtor name first.
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Daniela Rossi
•I had a similar warehouse lien situation and used Certana.ai's document checker to verify the business entity name matched perfectly across all our loan documents before refiling. Just upload your charter docs and UCC-1 and it flags any name inconsistencies instantly. Saved us from another rejection.
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Ryan Kim
WAREHOUSE LIENS ARE THE WORST! The inventory moves so fast that if your UCC-1 isn't properly filed you basically have no security interest in anything. And then the warehouse company acts like punctuation doesn't matter when it absolutely does for legal purposes.
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Zoe Walker
•I feel your pain. We had a warehouse lien get rejected three times because the debtor kept changing their official business name registration between filings.
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Elijah Brown
•That's insane. Why can't the filing system just match on the main part of the name and ignore punctuation?
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Maria Gonzalez
For warehouse inventory financing you really can't mess around with debtor name accuracy. Pull the exact legal name from your state's business entity database and use that formatting. Also make sure your collateral description properly covers the rotating inventory if that's what you're securing.
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Natalie Chen
•Good point about collateral description. Should it be "all inventory located at [warehouse address]" or more specific?
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Maria Gonzalez
•I usually go with "all inventory, goods, and personal property now or hereafter located at" the specific warehouse address. Gives broader coverage for rotating stock.
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Santiago Martinez
Check if your state allows you to search the exact debtor name format online before refiling. Most Secretary of State websites have a business entity search that shows the precise legal name formatting they have on file.
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Samantha Johnson
•This is smart. I always forget to verify the exact name format in the state database before submitting UCC filings.
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Nick Kravitz
•Pro tip: screenshot the state database search results showing the exact business name so you have proof of the correct format if there are any questions later.
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Hannah White
Time crunch situation like this is exactly why I started using automated document verification tools. Had too many warehouse lien deals almost blow up from name mismatches. Now I run everything through Certana.ai's UCC checker before filing - catches punctuation errors and inconsistencies between corporate docs and UCC forms instantly.
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Michael Green
•Does that actually work well? I've been burned by document checkers that miss obvious problems.
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Hannah White
•It's been solid for me. Just upload your articles of incorporation and draft UCC-1 and it highlights any name format differences. Way better than manually comparing documents and missing a comma somewhere.
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Mateo Silva
•Anything that prevents another warehouse lien rejection is worth trying at this point. These inventory deals move too fast to have filing delays.
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Victoria Jones
Don't panic about the Tuesday closing yet. If you can get the corrected UCC-1 filed by Monday you should be fine. Most lenders will accept a filed UCC with "accepted" status even if the certified copy hasn't arrived yet.
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Cameron Black
•That's good to know. I was worried they'd want the physical certified copy in hand before closing.
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Jessica Nguyen
•Electronic filing receipts are usually sufficient for closing purposes. The key is getting the acceptance confirmation from the filing office.
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Isaiah Thompson
Just went through this exact scenario with a warehouse lien filing. The solution was simple once I stopped fighting the punctuation requirement - found the exact business name in the state corporation database and refiled using that format exactly. Got accepted same day.
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Ruby Garcia
•Did you have to pay a new filing fee for the corrected version or was it considered an amendment?
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Isaiah Thompson
•New UCC-1 filing so yes, another filing fee. But cheaper than losing a $2.8M credit facility over a comma.
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Alexander Evans
•Worth every penny compared to the potential disaster of an unperfected security interest in rotating inventory.
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Evelyn Martinez
warehouse inventory financing is tricky because the collateral is constantly changing hands. Make sure your UCC-1 covers future inventory acquisitions too, not just what's currently in the warehouse when you file.
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Benjamin Carter
•Good catch. Should the collateral description include "after-acquired inventory" language specifically?
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Evelyn Martinez
•Yes, definitely include after-acquired property language since warehouse inventory turns over frequently. Standard collateral description templates usually cover this.
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Maya Lewis
You'll get through this. Warehouse lien rejections for name issues are super common but easily fixable once you use the exact state database formatting. The key is acting fast since your inventory security depends on proper UCC perfection.
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Isaac Wright
•Thanks for the encouragement. These UCC filing requirements seem unnecessarily strict but I guess precision matters for legal documents.
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Lucy Taylor
•Better strict requirements than ambiguous security interests. Your lender will appreciate the properly perfected warehouse lien once it's filed correctly.
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Connor Murphy
•Exactly. And with automated verification tools like Certana.ai now available, there's really no excuse for name format errors on UCC filings anymore.
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