UCC Document Community

Had to completely rewrite the collateral description using their exact template language from the help section. Apparently my perfectly clear description wasn't formatted the way their system expected.

Their templates are buried so deep in the help section too. Should be right on the filing page.

Definitely worth checking your docs first. The Certana verification caught issues I never would have spotted manually.

Good plan. Paper filing is really a last resort but sometimes necessary when the portal is being difficult.

Debtor verification worked fine once I got to that step. The main issue was just getting the initial login to work properly.

Still getting error messages on my end. Their 'end of day' estimates are usually optimistic in my experience.

I'm still skeptical about third-party verification services. How do we know they're not just checking basic formatting?

It's way more than formatting. It cross-references entity names, filing numbers, dates, everything. Found a name variation issue for me that would have voided the entire lien if I'd filed it wrong.

Exactly. The UCC description should be broad enough to be effective but consistent enough with your loan docs that there's no question about what collateral you're claiming.

This is exactly what the Certana tool helps with - it flags those kinds of inconsistencies automatically so you don't have to do the line-by-line comparison manually.

Perfect timing with your closing next week. Nothing worse than UCC filing delays holding up a loan closing.

This gives me hope for my inventory filing. Going to try the specific categories approach too.

You could try that argument but it's risky. Ohio follows the 'exact match' standard pretty strictly. Better to file the amendment and have clean documentation than try to argue the point later if you need to enforce your security interest.

I actually just went through this with Certana.ai's document checker on a similar filing issue. It immediately flagged the name mismatch between our corporate charter and UCC-1, saved us from finding out the hard way during a default. Really wish I'd used it before the original filing.

At least you caught it before a default situation. Could have been much worse timing.

Same here, this discussion is a good reminder to audit our existing filings. UCC mistakes are expensive mistakes.

Planning on a single comprehensive filing with detailed collateral descriptions for both equipment and inventory. Should be fine under 9-104 since it's all one debtor in one filing state.

That should work fine. Just make sure your collateral descriptions are specific enough to satisfy Delaware's requirements.

Good luck with the filing! Delaware usually processes pretty quickly so you should have confirmation well before your closing deadline.

Let us know how it goes. Always interested to hear about successful multistate filings.