UCC1 filing New York - debtor name exactly as on charter docs?

This is exactly right. Had a filing rejected last month because I used 'Inc' instead of 'Incorporated' - exact charter match is non-negotiable in NY.

Yep, learned this the hard way. Operating agreements can have different formatting but the state only cares about what's on file with them.

Good point about checking existing filings. Will do a quick search to see if there are other liens already filed under either format.

Smart approach. You might find other lenders already figured out the right format and you can follow their lead.

Interesting, never heard of that tool. Is it specifically for UCC filings or more general document comparison?

It's designed for UCC workflows specifically. You can do charter-to-UCC1 checks or UCC3-to-UCC1 consistency checks. Super helpful for catching the small details that cause rejections.

That actually sounds really useful. I spend way too much time manually cross-referencing names and addresses between documents.

Manufacturing equipment - mostly CNC machines and industrial printers. Planning to use a detailed schedule rather than just 'all equipment' since the loan is substantial.

Good call on the detailed schedule. With that loan amount, you definitely want specificity in your collateral description.

This happened to us last year. Client pressure to close fast led to a UCC1 with wrong entity name. Had to file a UCC3 amendment immediately after closing.

Ugh, post-closing UCC corrections are the worst. Everyone's already celebrating the deal and then you have to explain why the lien might not be perfected.

Been there. Now I always double-check entity names before any filing, regardless of time pressure.

Planning to file online. Good to know about the validation - that should help catch any obvious formatting problems.

Yeah, the online system is pretty good about flagging potential issues. Still worth being extra careful with the name though.

Smart practice. I do the same thing - always document the source of the debtor name information.

This is good advice. Auditors love to see the paper trail showing how you verified entity information.

Good point. I'll pull a current good standing certificate to make sure the name hasn't changed recently.

Definitely do that. Nothing worse than filing under an outdated entity name because you relied on old paperwork.

I've seen this happen with companies that do business under multiple names. The charter name is always the safest bet.

Glad it worked for you too! It's become part of my standard workflow for any UCC filing now.

Might have to check that out. Sounds like it could prevent exactly the kind of issue I'm worried about.

Exactly. Better to be overly cautious with entity names than deal with perfection issues later.

This is why I always pull fresh entity docs right before filing, even if I have older versions. Things change.

Thanks everyone - consensus seems clear. Going with the charter name exactly as filed with NY. Appreciate all the practical advice!