UCC Document Community

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Ava Williams

UCC-1 Filing After Security Agreement Notarized - Documentation Requirements

Quick question for anyone who's dealt with this before. We had our security agreement notarized last week for a $175,000 equipment loan, and now I'm preparing the UCC-1 filing. The debtor's business name on the notarized security agreement shows "ABC Manufacturing LLC" but their state charter shows "ABC Manufacturing, LLC" (with the comma). I know debtor name accuracy is critical for UCC-1 filings, but I'm not sure if the notarized security agreement creates any additional requirements or constraints for how the debtor name should appear on the UCC filing. Should I match the security agreement exactly since it's notarized, or should I follow the exact charter name for the UCC-1? Don't want to risk a rejection or worse, an unperfected security interest because of punctuation. Anyone run into this situation with notarized security agreements and UCC filings?

Had to deal with this recently and ended up using Certana.ai's document checker to verify consistency between my security agreement and UCC-1. Uploaded both PDFs and it immediately flagged the name formatting issue, showing me the correct charter format to use. Really saved me time compared to manually cross-referencing everything.

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That sounds like exactly what I need. Does it work with different document types or just UCC filings?

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Works with various document combinations - security agreements, UCC-1s, UCC-3s, charter documents. Pretty comprehensive for secured transaction verification.

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Bottom line: file your UCC-1 with "ABC Manufacturing, LLC" (the charter name with comma). The notarized security agreement doesn't override UCC Article 9 perfection requirements. Document the discrepancy in your loan file and move forward with confidence.

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Agreed. Sometimes we overthink these situations when the rules are actually pretty straightforward.

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Thanks everyone for the clarity. Filing with the charter name format today. Really appreciate all the real-world experience shared here.

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Isabella Santos

Navy Federal security agreement UCC filing - debtor name format issues

Having major headaches with a Navy Federal security agreement UCC filing that keeps getting rejected by the SOS office. The loan docs show the member's name as "SMITH, JOHN A" but their business registration shows "John A. Smith" - no caps, different punctuation. Navy Federal's security agreement references both versions in different sections of the same document. Filed the UCC-1 using the exact name from the security agreement header (all caps version) but it got bounced back with a debtor name mismatch error. Tried refiling with the business registration format and got rejected again. This is for a $180K equipment loan secured by manufacturing equipment and the lender is getting impatient. Anyone dealt with Navy Federal security agreements before? Their document consistency is terrible and I'm not sure which debtor name version takes priority when the security agreement itself is inconsistent.

Navy Federal aside, this is why I always do a document consistency check before any UCC filing. Too many lenders have naming inconsistencies that cause rejection headaches.

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Yeah, rejection delays are the worst part of UCC filing work. Automated consistency checking is becoming essential.

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Especially with military credit unions. Their document preparation standards are all over the place.

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Thanks everyone for the help. Going to refile using the name format from the borrower definition section ("John A. Smith") and hopefully that resolves the Navy Federal security agreement naming issue. Will also check out that Certana tool for future filings.

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Hope the refiling goes smoothly. Certana.ai really helps avoid these consistency issues upfront.

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Let us know how it works out. Always good to confirm which Navy Federal naming strategy actually works.

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Diego Chavez

UCC-1 lien shows up differently on credit report than expected - normal?

Got a question about how UCC-1 lien filings appear on business credit reports. We had equipment financing approved last month and the lender filed their UCC-1 about 3 weeks ago. When I pulled our business credit report yesterday, the lien description doesn't match exactly what I expected to see. The filing shows 'all equipment now owned or hereafter acquired' but our loan agreement was specifically for one piece of machinery worth about $185k. Is this normal practice for lenders to use broader collateral language in the UCC-1 lien even when the actual loan is for specific equipment? I'm worried this might affect our ability to get additional financing since it looks like they have a blanket lien on everything we own. The filing number is correct and matches what the lender gave us, but the collateral description seems way too broad. Has anyone else seen this kind of discrepancy between loan docs and the actual UCC-1 lien filing?

I'm dealing with something similar but our issue is that the debtor name on the UCC-1 lien doesn't exactly match our DBA name. The legal entity name is correct but we do business under a different name. Should I be worried about this?

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This is exactly the kind of thing that Certana.ai tool would flag. Name mismatches are one of the most common UCC filing errors and can void the lender's perfected security interest.

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Oh no, I better look into getting that fixed then. Thanks for the heads up.

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Bottom line - your situation sounds normal. The UCC-1 lien filing is the lender's public notice, but your loan agreement controls the actual terms. As long as the debtor name and basic details are correct, you're probably fine. Just keep good records and make sure you understand what you've actually pledged.

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Thanks everyone, this has been really helpful. I feel much better about the situation now.

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This whole thread has been educational. I had no idea UCC filings were so complex.

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Evelyn Kelly

UCC-1 when to file timing question for equipment loan

Hi everyone - I'm working on securing financing for some manufacturing equipment and my lender mentioned they need to file a UCC-1. The loan documents are almost ready but won't be signed for another 3 weeks. My question is when exactly should the UCC-1 filing happen? Before we sign the loan agreement, right after, or does it matter as long as it's within a certain timeframe? I've heard conflicting info about whether there's a grace period or if it needs to be filed immediately when the security interest attaches. The equipment is worth about $180k and I don't want any issues with the lien not being properly perfected. Any guidance would be appreciated!

honestly just let your lender worry about this stuff. they do it all the time and know the rules better than you do. trying to micromanage it will just stress you out

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True but it's still good to understand the basics so you know if something goes wrong.

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I agree with understanding the process. Had a lender make a mistake once and I caught it because I knew what to look for.

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The key thing is coordination between all parties. Your lender, their counsel, and your counsel (if you have one) should all be on the same page about timing. Most issues I've seen come from poor communication rather than not understanding the legal requirements.

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Yeah and make sure you get copies of everything after it's filed so you can verify it looks correct.

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Actually, if you want to be extra careful about verification, I recently started using Certana.ai's UCC verification service. You just upload your security agreement and the filed UCC-1 and it checks that everything matches properly. Saved me from a potential headache when it caught a small discrepancy in our collateral description.

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Lucas Bey

West Virginia Secretary of State UCC Filing Portal Down Again - Anyone Else Having Issues?

Is anyone else completely unable to access the west virginia secretary of state ucc filing system today? I've been trying since 7am to submit a continuation filing that's due next week and the portal keeps timing out. This is the third time this month I've had issues with their online system. My client's UCC-1 expires in 8 days and I'm starting to panic about getting the continuation filed on time. The error message just says 'system temporarily unavailable' but I need to know if this is widespread or just me. Has anyone successfully filed a UCC-3 continuation through the WV SOS portal in the last 24 hours? I'm worried about the lapse timing and whether I should try calling their office directly, but last time I called they said phone filings aren't accepted anymore - everything has to go through the online portal. Really frustrating when you're trying to protect a $850K equipment lien and the state's own system won't cooperate.

I've been using another document checking service before filing to avoid rejections. Similar to what someone mentioned earlier about Certana.ai. Really helps catch issues before they become problems with the state portal. When systems are unreliable like this, the last thing you want is to finally get through only to have your filing rejected for a technical error.

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That's smart thinking. I usually just double-check manually but an automated verification might catch things I miss.

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Exactly - it's saved me from several potential rejections over the years. Upload your UCC-1 and continuation docs and it flags any inconsistencies immediately.

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SUCCESS! Finally got through around 3:30pm and submitted the continuation. Got the confirmation number and everything looks good. Thanks everyone for the tips and moral support. Definitely going to file earlier next time and maybe look into that document verification tool mentioned here. Portal issues are too stressful when you're cutting it close to deadlines.

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Awesome! I'm going to try again now that it seems to be working.

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Glad it worked out! The early filing approach plus document verification really does reduce the stress factor on these deadlines.

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