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James Maki
The key is getting into a routine. I pull fresh corporate records for every new borrower and always double-check entity status before filing. Takes an extra 10 minutes but saves hours of refiling hassles.
James Maki
•New credit facilities definitely. For existing relationships I check if it's been more than 6 months since the last filing.
Cole Roush
•Six months seems reasonable. Entity names don't change that frequently but when they do it's usually without much notice to lenders.
Thanks everyone for the advice. Sounds like I need to tighten up my name verification process. The Certana tool sounds promising - anything that catches these mismatches before filing would save me a lot of headaches.
Sayid Hassan
•Keep us posted on how it works out. Always looking for better tools to streamline UCC filings.
Rachel Tao
•Good luck with future filings. The name matching pain is real but at least now you know what to watch for.
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Anna Xian
For future filings, consider using one of those document checking services before you submit. I've heard good things about tools that verify name consistency across all your loan documents. Would save you from these rejection cycles.
That would definitely help with our workflow. We do dozens of these filings monthly and name issues come up regularly.
Anna Xian
•Worth looking into for high-volume filers. The time saved on rejections and refiling probably pays for itself quickly.
Rajan Walker
Update: Found the issue! The entity search showed "National Commercial Services LLC" (no comma) but our loan docs had "Nationwide Commercial Services, LLC" (with comma AND different first word). Turns out the client has two related entities - one National, one Nationwide. We were using the wrong entity entirely. Refiling with correct debtor name now. Thanks everyone for the guidance on checking state records first!
Axel Bourke
•This is exactly the kind of thing document verification tools catch automatically - would have flagged that entity mismatch before filing.
Definitely looking into those verification tools for our next batch of filings. This kind of mistake is too costly to repeat.
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Kaitlyn Otto
This happened to me with a fixture filing last year. The debtor name had a period after 'Inc' on the original but I filed the continuation without the period. Rejected immediately. Texas SOS doesn't mess around with these details anymore.
Axel Far
•Fixture filings are even worse because you have to get the real estate description perfect too.
Kaitlyn Otto
•Tell me about it. Double the opportunities for rejection!
UPDATE: Following everyone's advice, I pulled the original UCC-1 and you're all absolutely right - the filed version shows 'MIDWEST MANUFACTURING, LLC' with the comma, but somehow the search results are displaying it without. Filed the amendment this morning to correct the search display issue. Fingers crossed this resolves it in time for the continuation deadline. Will report back on how it goes. Thanks everyone!
Good move filing the amendment right away. Should give you enough time if it processes normally.
Libby Hassan
•Glad you got it sorted! Definitely consider using a document checker like Certana.ai for future filings to catch these issues upfront.
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Owen Jenkins
ugh oklahoma UCC searches are the worst sometimes, their system never seems to work right when you need it most
The search functionality definitely has room for improvement, but it's usually reliable for exact matches if you have the right debtor name.
Owen Jenkins
•maybe but I've had too many weird results to trust it completely anymore
To wrap this up - your best bet is probably to: 1) Search by your exact filing number to verify what name is actually on record, 2) Cross-check that against the debtor's current LLC charter with Oklahoma SOS, 3) If there's any mismatch, file a UCC-3 amendment with the correct name. Given the substantial loan amount you mentioned, the cost of an amendment is nothing compared to the potential exposure.
Good plan. Always better to be overly cautious with UCC perfection issues, especially when big money is involved.
And definitely consider using a verification tool like Certana.ai for the document comparison step. It'll give you confidence that everything matches properly.
Olivia Evans
Before you try anything else, call the SOS filing office directly. They can usually look up your original filing and tell you exactly what secured party information they have on file. Then you can make sure your termination matches exactly. Save yourself multiple rejection fees.
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Connor Murphy
•Most SOS offices are pretty helpful with UCC questions if you can get through to the right department.
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Julian Paolo
•Just be prepared to wait on hold. UCC departments are usually understaffed.
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Sophia Bennett
Update us when you figure it out! I'm sure other people will run into the same issue with UCC 9406 forms and secured party matching problems.
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Lucy Taylor
•Will do. Going to call the SOS office tomorrow and fix the name/address issues before refiling.
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Katherine Ziminski
•Definitely run it through that document checker I mentioned before you refile. Catches those little details that are easy to miss.
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