UCC Document Community

Just remember continuation timing - you can file up to 6 months before expiration but not earlier. And you HAVE to file before the expiration date or your lien lapses. Missouri doesn't give extensions.

Thanks everyone for all the detailed info! This has been super helpful. I'm feeling much more confident about budgeting for these Missouri filings now. Sounds like $30 total for both the continuation and amendment filing electronically should cover it, plus a little buffer for any potential issues. I really appreciate all the practical tips about the portal, timing, and making sure debtor names match exactly. Will definitely file electronically to save money and get faster processing. You've saved me from potentially making some costly mistakes!

One thing that helped me when I had this exact problem was checking if there were any subsidiary or DBA names filed under your main entity. Sometimes lenders file UCCs under doing-business-as names that aren't immediately obvious. Also, if you had multiple pieces of equipment financed in separate transactions, each one might have gotten its own UCC filing with slightly different debtor name variations. The Texas system is notorious for being literal about punctuation - even something like "ABC Company, LLC" vs "ABC Company LLC" (without the comma) can cause search failures. Try searching with and without commas, periods, and other punctuation marks in your business name.

Here's another angle to consider - check if your business has gone through any entity conversions or mergers since the original filing. I've seen cases where companies converted from LLC to Corp (or vice versa) and the UCC filings remained under the old entity name, making them nearly impossible to find unless you search specifically for the previous legal name. Also, Texas allows for "seriously misleading" name variations that can still be legally sufficient, so the filing might be under a shortened or slightly altered version of your business name that you wouldn't think to search for. If you have access to your business credit reports, sometimes UCC filings show up there with the exact names and filing numbers used, which can be a backdoor way to find the information you need.

Update: Thanks everyone for the input. We decided to file the UCC-3 amendment first, then the continuation. Used that Certana.ai verification tool someone mentioned and it actually caught a small formatting issue in our amendment that could have caused problems. Everything went through smoothly and we maintained our perfected security interest without any gaps.

As a newcomer to UCC filings, this thread has been incredibly educational! I'm curious about timing requirements - when dealing with a debtor name change like this, is there a specific window within which you need to file the UCC-3 amendment? And does the timing of when the actual name change occurred (relative to your continuation deadline) affect the approach you should take? It seems like there could be different scenarios depending on whether the name change happened recently versus years ago.

This discussion has been incredibly valuable! As someone new to Tennessee UCC filings, I was definitely overthinking the fee structure. The $15 base + $1 per additional debtor formula is so much cleaner than what I've seen in other states. I especially appreciate the clarification that continuations and amendments are flat $15 regardless of debtor count - that's going to make client billing much more predictable. One quick follow-up question: when you're doing online filings, does Tennessee's system automatically calculate the total fees as you enter debtor information, or do you have to manually calculate before the final payment screen?

Really appreciate everyone's detailed responses here! This has cleared up my confusion completely. The $15 base + $1 per additional debtor structure is much simpler than I was making it out to be. Sounds like Tennessee is actually one of the more filer-friendly states once you understand the basics. I'm feeling much more confident about those three filings next week - $47 total based on my debtor count breakdown. The tip about the online system showing running fee calculations is particularly reassuring. Thanks for taking the time to share your real-world experience, especially the clarifications about amendments and continuations being flat $15. This community is incredibly helpful for navigating the nuances of multi-state UCC practice.

This is frustrating but unfortunately pretty common. A few things to check: 1) Make sure you're using the exact debtor name from the organizational documents - even spaces and punctuation matter. 2) If some equipment is bolted down, you might need fixture filings instead of regular UCCs. 3) Try breaking down the collateral description into more specific categories rather than the broad "manufacturing equipment" language. 4) Double-check that you're filing in the correct jurisdiction - sometimes multi-state deals require filings in multiple locations. The rejection notices are usually unhelpful, but persistence usually pays off once you identify the actual issue.

I've been through similar UCC filing headaches and it's maddening when you can't get clear answers from the filing office. A couple of thoughts based on what you've described: First, definitely verify whether any of that manufacturing equipment crosses the line into fixtures - CNC machines bolted to floors with utility connections often trigger fixture filing requirements, which would explain the 1-308.4 reference. Second, try submitting a test filing with just one piece of equipment to isolate whether it's a collateral description issue or something else entirely. Sometimes breaking down a complex filing helps identify the specific problem. Also, consider reaching out to other lenders who've done equipment financing in that state - they might have insights into local filing office quirks that aren't documented anywhere. The $850K loan size makes this worth getting expert help if needed rather than continuing to throw filings at the wall.