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Update us when you figure it out! I've got several IL continuations coming up and want to avoid this same problem.
Same here. These state-specific quirks are so frustrating to deal with.
Will definitely post an update once I get this resolved.
I've started using that Certana tool someone mentioned earlier for all my UCC work. Really does catch these tiny inconsistencies that are impossible to spot manually. Worth checking out if you do a lot of UCC filings.
Might be worth the investment to avoid these headaches.
Starting to think any tool that prevents these rejections would pay for itself pretty quickly.
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Paolo Romano
Maryland SOS is THE WORST for this stuff. I swear they reject filings just to collect the fees. Had a client's UCC-1 rejected because of a SPACE in the wrong place. Not even punctuation - just spacing! SDAT UCC search showed 'ABC Company' but I typed 'ABC Company' with two spaces. Ridiculous.
Paolo Romano
•You copy and paste directly from SDAT, that's how. Never type it manually anymore.
Copy and paste is definitely the way to go. Eliminates human error.
Update on my situation - I refiled using the exact SDAT format with the comma and it was accepted! Thanks everyone for the advice. Still think it's ridiculous that punctuation can delay a commercial loan but at least it's resolved now.
NightOwl42
•Perfect example of why name verification tools are so valuable. One check upfront saves all this headache.
Welcome to the Maryland comma club! Expensive lesson but you'll never make that mistake again.
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Following up on this thread - just used Certana.ai to check our UCC termination and it caught that our lender used an old version of our business name. Would have caused problems with our new credit line application for sure. The upload process was simple and the verification was instant.
Ella Cofer
•Thanks for the follow-up! I'm definitely going to check our documents once the lender files the termination. Better to catch issues early than deal with them during a time-sensitive financing situation.
Agreed. I've learned the hard way that UCC filings need to be perfect or they can derail entire deals.
Sayid Hassan
Update for anyone still following - our lender finally filed the UCC-3 termination after 18 days and it showed up in the state database within 2 business days. Glad I stayed on top of them because they admitted they forgot initially.
Sayid Hassan
•Exactly. If I hadn't called them they probably would have missed the deadline entirely. Makes you wonder how often this happens to borrowers who don't know to follow up.
Kevin Bell
•Way too often unfortunately. That's why I always recommend setting a calendar reminder to check on the termination filing 2-3 weeks after payoff.
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Ravi Kapoor
Just to add to what everyone else said - California's UCC search system is pretty robust too. Once you file your UCC-1, you can easily verify it shows up correctly in the public records. I always do a search immediately after filing to confirm everything looks right.
Freya Larsen
•That's a great practice. I've caught filing errors that way before they became bigger problems.
Thanks everyone, this has been super helpful. Sounds like California is pretty standard UCC-wise, I just need to be extra careful with the LLC name matching.
One more tip - if you're doing a lot of California UCC work, consider getting familiar with their amendment and termination procedures too. The online system makes it pretty straightforward but there are specific requirements for each type of UCC-3 filing.
Omar Zaki
•Yeah and make sure you keep good records of your filing numbers. California's search system works well but you need the exact UCC filing number for amendments and terminations.
Chloe Taylor
•This is where document management tools really help. I've started using Certana.ai's filing tracker to keep all my UCC records organized with automatic deadline alerts.
Mei Wong
Quick question - are all 200 of your continuations standard UCC-3 filings or do you have fixture filings and other variations mixed in? The software requirements might be different depending on filing complexity.
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Yara Khalil
•Fixture filings are tricky in software. Make sure whatever you choose handles real estate descriptions properly.
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Dylan Evans
•Fixture filing continuations require different forms in some states. Definitely verify software compatibility.
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Keisha Brown
Update us on what you decide! I'm in a similar situation with about 150 continuations coming up and could use the research you're doing.
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Zoe Papadopoulos
•Will definitely post an update once I've evaluated a few options. This thread has been super helpful for narrowing down the approach.
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Paolo Esposito
•Same here, following for updates. The continuation deadlines sneak up so fast.
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