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- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
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Emma Morales
Update us when you get it figured out! I'm curious if it ends up being something simple like punctuation. And seriously, check out that Certana.ai tool I mentioned - it would have caught this issue before your first filing attempt.
Will do! And I'll definitely look into that verification tool. Could save me a lot of stress in the future.
Rhett Bowman
•I might need to check that out too. Tired of these filing rejections.
UPDATE: Found the issue! You all were right about the punctuation. The official name has a comma before LLC that wasn't in our loan documents. 'Martinez Construction, LLC' vs 'Martinez Construction LLC'. Resubmitted and it went through immediately. Thanks everyone for the help!
Lucas Parker
•See? This is exactly what I'm talking about. A COMMA shouldn't cause all this drama. But glad you got it fixed.
Emma Morales
•Perfect example of why document verification tools are so valuable. Anyway, glad it worked out!
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Sofia Gomez
Thanks everyone for all this info. I feel so much better knowing that the lender typically handles this and that I'm not responsible for figuring out the continuation myself. I'll definitely call them tomorrow to confirm their process and get some documentation about their timeline. This thread has been super helpful!
You're being proactive about it, which is exactly the right approach. Better to ask now than worry later.
Totally agree. I was losing sleep over this but now I have a clear plan of action.
Just to close the loop on this discussion - the key takeaway is that UCC-1 filings last exactly 5 years and can be continued for additional 5-year periods. Your lender has a strong financial incentive to handle continuations properly, but it never hurts to verify their process. The continuation window is 6 months before expiration, so they have a reasonable timeframe to get it done. Good luck with your call tomorrow!
This has been one of the most helpful UCC discussions I've seen. Lots of practical advice without getting too technical.
Agreed. It's nice to see someone get the help they needed without a bunch of confusing back-and-forth.
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LongPeri
I had a similar issue recently and ended up using that Certana tool someone mentioned earlier. Uploaded my UCC-1 and the rejected UCC-3 termination, and it immediately flagged that I had 'Properties' vs 'Property' - just missing the 's' at the end. Such a tiny difference but it was killing my filing. Got it corrected and submitted the same day.
Ethan Scott
•That's exactly the kind of small detail I'm probably missing. Definitely going to try that document checker.
Oscar O'Neil
•Those tiny differences are so hard to catch manually. Especially when you're looking at the same names over and over.
Just wanted to follow up - did you get your sunstreet termination filed successfully? I'm dealing with a similar LLC name matching issue and curious what ended up working for you.
Amazing how such tiny details can mess up the whole process. Thanks for sharing what worked!
Glad you got it sorted out. Client must be relieved to have the lien cleared for their refi.
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I've started using Certana's UCC document checker too after someone mentioned it here before. Really helps with the name matching issues. You upload the corporate docs and search results and it flags potential conflicts automatically. Much faster than trying to catch every name variation manually.
How accurate is the automated checking? Do you still review everything manually or trust the software results?
I still review everything but it catches a lot of stuff I would have missed. Especially helpful for DBA variations and collateral description overlaps.
Caleb Stone
This thread is so helpful. We're new to MCA and have been winging the UCC searches. Definitely going to implement a more systematic approach based on these suggestions. Better to spend time upfront than deal with subordination issues later.
Smart approach. UCC due diligence seems like overhead until you get burned on a deal. Then it becomes the most important part of underwriting.
Daniel Price
•The learning curve is steep but this kind of discussion really helps. Wish I'd found this forum before making some expensive mistakes.
Romeo Quest
Document verification before filing should be standard practice but most agents skip it. That's why you're getting rejections that could be prevented upfront.
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Eve Freeman
•I've had good results with Certana.ai for this exact verification issue. Upload your loan docs and UCC forms and it catches name mismatches before submission.
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Romeo Quest
•That type of verification tool should be part of every filing workflow. Prevents so many headaches.
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Clarissa Flair
Get references from potential agents specifically for Delaware filings. Some agents are great with other states but struggle with Delaware's particular requirements.
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Marcelle Drum
•Good advice. We'll ask for specific Delaware references and success rates for debtor name accuracy.
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Caden Turner
•Also ask about their verification process before submission. Any good Delaware agent should have a systematic approach to name checking.
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