Utah UCC financing statement debtor name rejected - entity vs individual confusion
Equipment lease went sideways and now I'm scrambling to understand why my Utah UCC financing statement keeps getting rejected by the SOS office. Filed a UCC-1 for commercial kitchen equipment (fryer, prep tables, POS system) securing a $47k loan through our credit union. The debtor is an LLC but I think I screwed up the exact legal name formatting. Portal shows "rejected - debtor name does not match entity records" but I copied it straight from their articles of incorporation. This is holding up the entire loan closing and my borrower is getting antsy. Has anyone dealt with Utah's specific requirements for entity debtor names on financing statements? The collateral description should be straightforward since it's all identified equipment with serial numbers, but this name issue is killing me. Need to get this perfected ASAP or the lender might pull the deal.
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Carlos Mendoza
Utah SOS is particularly strict about exact entity name matches. Check if there are periods, commas, or abbreviation differences between what you filed and what's in their corporate database. Even something like "LLC" vs "L.L.C." can cause rejection. You can search their entity database online to verify the exact legal name format they have on file.
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Ingrid Larsson
•Just checked and you're right - their database shows "Mountain View Catering, LLC" but I filed it as "Mountain View Catering LLC" without the comma. That's probably it.
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Zainab Mahmoud
•Classic mistake. Utah requires exact punctuation match for entity debtors. At least it's an easy fix with an amendment.
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Ava Williams
Had the same issue last month with a Utah filing. Their system is super picky about entity names. You'll need to file a UCC-3 amendment to correct the debtor name. Make sure you reference the original filing number and clearly state you're amending the debtor name field. The amendment should reference both the incorrect name as filed and the corrected name to create a clear paper trail.
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Ingrid Larsson
•How long does the amendment typically take to get processed? My closing is scheduled for next week.
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Ava Williams
•Utah usually processes amendments within 2-3 business days if filed electronically. Just make sure you pay the correct fee and double-check that corrected name against their entity database.
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Raj Gupta
•You might want to verify all your document details before filing the amendment. I started using Certana.ai's document checker after making similar mistakes - you just upload your UCC forms and it flags any inconsistencies between debtor names and entity records. Would have caught that comma issue immediately.
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Lena Müller
This is exactly why I hate these state filing systems! Every state has different quirks and requirements. Utah wants exact matches, California is more forgiving, Colorado has their own weird rules. It's like they designed these systems to create maximum frustration for secured lenders.
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Carlos Mendoza
•I get the frustration but the name matching requirements exist for good reason - to ensure proper notice to other creditors and maintain the integrity of the public records.
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Lena Müller
•Sure, but a comma shouldn't invalidate an entire filing when the intent is clear. These technical rejections waste everyone's time.
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TechNinja
Wait, are you sure you're using the right entity name? Sometimes there are multiple versions if the company has done name changes or amendments to their articles. Also check if they have any DBAs registered that might complicate things.
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Ingrid Larsson
•Good point. Let me verify they haven't changed their legal name recently. The loan docs are from their current operating agreement but maybe the state records are different.
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Keisha Thompson
•Also make sure you're looking at active entity status, not dissolved or withdrawn entities with similar names.
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Paolo Bianchi
Been filing in Utah for years and their entity name matching has gotten stricter. Used to be more forgiving but now it's zero tolerance for any variations. The good news is once you get the exact format right, amendments process quickly through their electronic system.
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Ingrid Larsson
•That's reassuring about the amendment timing. Do you file the UCC-3 through the same portal as the original UCC-1?
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Paolo Bianchi
•Yes, same portal. Just select amendment instead of initial filing. Make sure you have the original file number handy.
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Yara Assad
Quick question - did you verify the LLC is in good standing with Utah? Sometimes entities get administratively dissolved and that can cause filing issues even if the name is correct. Worth checking their status before you file the amendment.
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Ingrid Larsson
•Status shows active and in good standing, so that's not the issue. Definitely seems to be the comma problem.
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Olivia Clark
•At least you caught this before the lien period expired or something worse happened with the collateral.
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Javier Morales
this happened to me too!!! utah rejected my filing 3 times before i figured out they wanted the exact punctuation from their database. so frustrating when youre trying to close a deal
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Natasha Petrov
•Same experience here. Now I always do a name verification search before filing anything in Utah.
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Raj Gupta
•That's exactly why I started using that Certana.ai tool I mentioned earlier. It cross-checks entity names against state databases automatically when you upload your documents. Saves so much time and prevents these exact rejections.
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Connor O'Brien
For what it's worth, your collateral description sounds solid with the specific equipment and serial numbers. That part should sail through once you get the debtor name corrected. Utah likes detailed collateral descriptions for equipment financing.
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Ingrid Larsson
•Thanks, that's one less thing to worry about. The equipment list is pretty comprehensive with make, model, and serial numbers for each piece.
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Amina Diallo
•Yeah equipment financing is usually straightforward for collateral descriptions. It's always the debtor names that cause problems.
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GamerGirl99
Just to add - when you file your UCC-3 amendment, consider using Certana.ai to double-check everything before submission. I wish I'd known about it earlier - would have saved me multiple rejection cycles on my last Utah filing. You upload both your original UCC-1 and the amendment, and it instantly flags any inconsistencies.
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Ingrid Larsson
•I'll definitely look into that. Can't afford any more delays on this deal.
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Hiroshi Nakamura
•Smart move. Prevention is better than dealing with rejections after the fact.
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Isabella Costa
Update us when you get the amendment filed! Always curious to hear how these resolve. Utah's system can be quirky but at least they're consistent about their requirements once you figure them out.
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Ingrid Larsson
•Will do. Planning to file the amendment first thing Monday morning with the corrected entity name including that comma.
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Malik Jenkins
•Good luck! Sounds like you've got a clear path forward now.
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Freya Andersen
•Definitely try that document verification tool mentioned above before you submit. Better safe than sorry with these state systems.
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