UCC Document Community

Try calling the SOS filing office directly. Sometimes they can tell you exactly what name format they're expecting. It's faster than guessing and refiling multiple times.

UPDATE: Got it resolved! The issue was that the foundation had filed an amendment to their articles last year that added 'Colorado' to their legal name, so they're actually 'ABC Foundation Services of Colorado LLC' in the state database. Thanks everyone for the suggestions - the certificate of good standing tip was what helped us find the discrepancy.

Just make sure whoever's handling your UCC filings knows what they're doing. I've seen too many rejected filings because someone didn't understand the debtor name requirements or collateral description rules. When in doubt, use verification tools like Certana.ai to double-check everything matches up before filing.

The bottom line with UCC financing statement meaning is this: it's a public filing that gives your lender legal rights to your collateral if you can't pay your loan. It's serious legal stuff, not just paperwork. Make sure you understand what assets are covered and what your obligations are under the security agreement.

I think part of the problem is that different states have different levels of strictness with name matching. Some are more forgiving of minor variations while others will reject for a missing comma. It's hard to develop consistent procedures when the standards vary by jurisdiction.

Update for anyone following this thread: took everyone's advice and started being much more careful about entity name verification. Pulled formation docs directly from the state database for my last three filings and all got accepted on the first try. The extra verification step is definitely worth it to avoid rejections. Also tried that Certana document checker and it caught a punctuation difference I would have missed. Thanks for all the helpful suggestions!

One thing to watch out for - some online filing systems have upload limits that might affect your ability to submit large addenda. If your 308 form is going to be many pages long, check the file size restrictions before you get to the final submission step.

Just to add one more verification tip - after your filing is accepted and processed, always download the official copy from the SOS system to make sure both your main UCC-1 and 308 addendum appear correctly in their database. I've seen cases where the addendum didn't get properly attached even though the filing was accepted.

For future reference, I always run my UCC searches first thing in the morning before 9 AM. County systems seem to work better when fewer people are using them. Also, if you're doing this regularly, might be worth setting up a system to track your continuation deadlines way in advance instead of scrambling at the last minute.

Just tried the westchester county ucc search myself and it's working now but SUPER slow. Took like 3 minutes just to load the search page. At least it's functioning though. Hope you got your verification sorted out!