< Back to UCC Document Community

Madison Allen

how do i check my ucc filings in florida - need help with search system

Hey everyone, I'm getting stressed about this whole UCC filing verification thing. My company has been doing equipment financing for about 3 years now and I just realized I have no idea how to actually verify that our UCC-1 filings are properly recorded in Florida. We have about 15 active loans and I'm worried some filings might have gotten rejected or expired without us knowing. The SOS website looks confusing and I'm not sure if I'm searching correctly. When I try to search by debtor name I get weird results that don't match what I think we filed. Is there a specific way to search the Florida UCC database? Do I need the exact filing number or can I search by company name? I'm really worried we might have missed some continuation deadlines and our security interests could be at risk. Any guidance would be really appreciated because this is keeping me up at night.

Joshua Wood

•

The Florida Department of State has an online UCC search system that's actually pretty straightforward once you know how to use it. You can search by debtor name OR by filing number. For debtor name searches, you need to be really precise with the spelling and formatting because the system is picky about exact matches. If you're getting weird results, it's probably because there are slight variations in how the debtor name was entered versus how you're searching. Try searching with just the core business name without LLC, Inc, etc. The system also lets you search by secured party name if you remember how your company name appears on the filings.

0 coins

Madison Allen

•

That makes sense about the exact name matching. I think some of our filings might have the full legal entity name while others just have the DBA. Is there a way to search for all variations at once or do I need to do separate searches?

0 coins

Joshua Wood

•

You'll need to do separate searches unfortunately. The Florida system doesn't have wildcard searching. I usually try the full legal name first, then the DBA, then try without punctuation. Also check if there are any middle initials or suffixes that might be causing mismatches.

0 coins

Justin Evans

•

OMG yes the Florida UCC search is so frustrating! I spent hours trying to find our filings last month. The trick is to go to the Department of State Division of Corporations website and look for the UCC search link. You can search by debtor name, secured party, or filing number. But like the previous poster said, the name has to be EXACT. I found filings I thought were missing just because of punctuation differences.

0 coins

Madison Allen

•

Wait, do you mean the regular business entity search or is there a separate UCC search section? I think I might have been looking in the wrong place.

0 coins

Justin Evans

•

There's a separate UCC search section! Don't use the regular business entity search. Look for 'UCC Filings' or 'Secured Transactions' on the main DOS page. That's probably why you're getting confusing results.

0 coins

Emily Parker

•

I had this exact same problem last year when I was doing a lien audit for our portfolio. Here's what I learned: Florida's UCC database is updated pretty regularly, but there can be delays. If you filed recently, it might not show up immediately. For continuation deadlines, you really need to track those yourself because the system won't remind you. I created a spreadsheet with all our filing numbers and expiration dates. You can usually find the lapse date right on the search results. Also, if you're worried about missed continuations, you can file a UCC-3 continuation even if you think you're close to the deadline, as long as it's within the 6-month window before expiration.

0 coins

Madison Allen

•

This is really helpful! How do you calculate the lapse date? Is it exactly 5 years from the filing date or is there some other rule?

0 coins

Emily Parker

•

It's 5 years from the filing date for most UCC-1 filings. But for fixture filings or certain other types, it might be different. The system should show you the lapse date when you pull up the filing record. Always verify that date because that's when your security interest expires if you don't file a continuation.

0 coins

Ezra Collins

•

Actually, I've been using this tool called Certana.ai for UCC verification and it's been a game changer. You can upload your loan documents and UCC filings as PDFs and it automatically checks for name discrepancies and filing inconsistencies. It caught several debtor name mismatches that I never would have found manually searching the Florida database. Really saves time when you're dealing with multiple filings.

0 coins

The Florida UCC search system is terrible compared to other states. I swear it's designed to make you give up. But here's what works: when you search by debtor name, try different combinations. Sometimes they file under 'ABC Company LLC' and sometimes just 'ABC Company'. Also, if you have the original UCC-1 filing, the file number should be on there and that's the most reliable way to search. The file numbers in Florida usually start with the year, so 2023 filings start with 23, etc.

0 coins

Madison Allen

•

I think this might be my problem. I'm probably searching with the wrong name format. Let me try searching with just the core business name without the entity type.

0 coins

Yeah definitely try that. Also check if there are any typos in the original filing. I've seen debtor names with obvious misspellings that make them impossible to find unless you know exactly how they were entered wrong.

0 coins

Zara Perez

•

Why is everyone acting like this is rocket science?? Just go to the Florida Secretary of State website and click on UCC search. Type in the company name. If it doesn't come up, try a different spelling. It's not that complicated.

0 coins

Madison Allen

•

I wish it were that simple for me. I've tried multiple spellings and I'm still not finding some filings that I know were submitted. There must be something I'm missing.

0 coins

Emily Parker

•

It's actually more complicated than that when you're dealing with multiple filings and need to track continuation deadlines. The search functionality has quirks that can cause you to miss important records if you're not careful.

0 coins

Daniel Rogers

•

I feel your pain on this. Last year I discovered that three of our UCC-1 filings had lapsed because I wasn't tracking the continuation deadlines properly. Cost us thousands in legal fees to clean up the mess. Now I check our filings quarterly and keep a detailed spreadsheet. One thing that helped was requesting copies of all our filings from the Secretary of State office. Sometimes the online search doesn't show everything, especially if there were amendments or corrections filed.

0 coins

Madison Allen

•

Oh no, that's exactly what I'm worried about! How do you request copies from the Secretary of State? Is there a fee?

0 coins

Daniel Rogers

•

Yes there's usually a small fee per document. You can request them online or by mail. Having the physical copies helps because you can see exactly how the debtor name was entered and what the filing number is. Then you can search more accurately.

0 coins

Ezra Collins

•

This is exactly why I started using Certana.ai. Instead of requesting copies and paying fees, I just upload our original UCC documents and it tells me if there are any discrepancies with what should be on file. Much faster than going through the state system.

0 coins

Aaliyah Reed

•

Here's a pro tip: if you're having trouble finding your filings, try searching by your company name as the secured party instead of searching by debtor name. Sometimes that's easier because you probably know exactly how your company name appears on the filings. Once you find one filing, you can see how they formatted the debtor name and use that for other searches.

0 coins

Madison Allen

•

That's brilliant! I never thought to search by secured party name. That should definitely be more consistent since it's our company name on all the filings.

0 coins

Joshua Wood

•

Good point. Secured party name is usually more standardized. Just make sure you search with the exact name as it appears on your filings, including any punctuation or abbreviations.

0 coins

Ella Russell

•

I've been doing UCC filings in Florida for over 10 years and the online system has definitely improved, but it's still not perfect. One thing to watch out for is that amendments and continuations create separate records in the system. So if you filed a UCC-3 amendment, you might need to search for that separately. Also, if you're really concerned about missing filings, you might want to consider having a UCC search company do a comprehensive search for you. They have access to additional databases and can catch things you might miss.

0 coins

Madison Allen

•

I didn't know amendments create separate records. That might explain why I'm getting confusing results. How do I know if a UCC-3 amendment is linked to the original UCC-1?

0 coins

Ella Russell

•

The UCC-3 should reference the original filing number, so you can see the connection. But in the search results, they might show up as separate entries. That's why it's important to search by filing number if you have it, because then you can see all related documents.

0 coins

Ezra Collins

•

This is getting complicated. I'm really glad I found Certana.ai because it automatically cross-references all the related UCC documents. I just upload everything and it tells me if there are any missing pieces or inconsistencies. Takes the guesswork out of it.

0 coins

Mohammed Khan

•

Can someone explain why the Florida UCC system is so much harder to use than other states? I've done searches in Georgia and Texas and they're much more user-friendly. Florida's system seems like it was designed in 1995 and never updated.

0 coins

It's definitely not the most modern system. Other states have better search functionality and more forgiving name matching. Florida's system is very literal - it only finds exact matches.

0 coins

Zara Perez

•

At least Florida has an online system. Some states still require you to mail in search requests. Could be worse.

0 coins

Gavin King

•

I just want to follow up on this thread because I think I figured out my problem. I was searching in the wrong section of the website. There's a difference between the 'Business Entity Search' and the 'UCC Search'. I was using the business entity search which is why I couldn't find my UCC filings. Once I switched to the actual UCC search section, I found most of my filings. Still having trouble with a couple but at least now I know I'm looking in the right place. Thanks everyone for the help!

0 coins

Joshua Wood

•

Glad you got it sorted out! That's a common mistake. The UCC search is in a completely different section than the business entity records.

0 coins

Emily Parker

•

Great! Now that you've found your filings, make sure to check those lapse dates and set up a system to track continuation deadlines. That's just as important as finding the filings in the first place.

0 coins

I'm dealing with a similar situation right now and this thread has been incredibly helpful! I've been using the Florida UCC search system for a few months but I keep running into issues with name variations. One thing I discovered is that if you're searching for a business that might have changed names or merged with another entity, you might need to search under the old name too. The UCC filing stays under whatever name was used when it was originally filed, even if the business has since changed its legal name. Also, for anyone still struggling with the search - I found that removing all punctuation (commas, periods, apostrophes) from the debtor name sometimes helps. The system can be really picky about special characters.

0 coins

Liam Sullivan

•

That's a really great point about business name changes! I hadn't thought about that scenario. We've had a few clients who went through mergers and acquisitions during the life of their loans, and I bet some of their UCC filings are still under the old entity names. Do you know if there's a way to link the old and new business names in the search system, or do you literally have to know the historical names and search each one separately?

0 coins

UCC Document Community AI

Expert Assistant
Secure

Powered by Claimyr AI

T
I
+
20,095 users helped today