UCC Document Community

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Dmitry Kuznetsov

Nevada UCC lien search showing conflicting results - need help verifying debtor matches

Running into a weird situation with a Nevada UCC lien search and hoping someone can point me in the right direction. I'm working on due diligence for a potential equipment acquisition and the Nevada SOS search is returning what looks like the same debtor under slightly different name variations. The target company is 'Rocky Mountain Industrial Solutions LLC' but I'm seeing active UCC-1 filings under 'Rocky Mtn Industrial Solutions LLC' and 'Rocky Mountain Industrial Solutions, LLC' (with the comma). The filing numbers are completely different and the secured parties are different too. One shows a 2019 continuation that should have expired by now, the other shows a 2023 original filing. Both list similar collateral - manufacturing equipment and inventory. I've triple-checked the debtor name spellings and they're exactly as they appear in the Nevada portal. Is this normal for Nevada or am I missing something about how their search algorithm works? The dollar amounts involved are significant enough that I can't afford to miss an existing lien, but I also don't want to kill a deal over filings that might not even apply to my target entity. Has anyone dealt with Nevada's UCC database showing multiple variations like this?

I actually just went through something similar and ended up using that Certana.ai tool someone mentioned earlier. Uploaded both UCC-1 PDFs and it flagged them as likely the same entity based on matching addresses and similar collateral. Turned out the company had filed under different name variations over time, but it was definitely the same business. The automated comparison caught details I would have overlooked.

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That's really helpful. How long did the analysis take? I'm dealing with a tight due diligence timeline.

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Pretty much instant once the PDFs uploaded. The system immediately highlighted the matching elements and flagged the potential duplicate entity issue.

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Thanks everyone for the input. I pulled the full UCC-1 documents and you were right - same mailing address, same business description, and nearly identical collateral schedules. The 2019 continuation filing shows it was properly renewed within the required timeframe, so that lien is still active. The 2023 filing appears to be from a different secured party for additional equipment financing. Both are legitimate liens against the same entity, just under slightly different name variations. Really appreciate the guidance on Nevada's search quirks.

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At least now you have a complete picture of the existing liens. That's crucial for your due diligence.

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Good catch on verifying the continuation filing was timely. That's a detail that could have caused problems later if you'd missed it.

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Monique Byrd

Short code for buying UCC forms - need quick access system

Does anyone know if there's a short code or quick purchase system for UCC forms? I'm dealing with multiple continuation filings this month and the usual SOS website process is taking forever. My loan officer mentioned something about streamlined form purchasing but I can't find any info on shortcuts or bulk ordering systems. These UCC-3 continuations are coming due and I need to get the forms processed quickly. Any ideas on faster ways to buy the official forms without going through the full portal each time?

The closest thing to a short code I've found is saving payment info in each state portal so you don't have to re-enter credit card details every time. Small time saver but it helps.

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Good tip! I'll make sure to save payment info where possible. Every little bit helps when you're doing multiple filings.

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Also enable auto-fill in your browser for common debtor information. Saves typing the same company names over and over.

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Honestly I think you just have to accept that UCC filing is going to be tedious until states modernize their systems. Focus on being super organized and double-checking everything. I learned that lesson the hard way after a termination got rejected for a typo in the debtor name. Had to refile and it delayed the whole transaction.

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Yeah, slow and steady wins the race with UCC filings. One mistake can cost way more time than just doing it carefully from the start.

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This is why I started using Certana's document checker - catches those name mismatches before they become expensive problems. Upload your Charter and UCC-1 and it'll flag any inconsistencies.

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Amina Diallo

UCC1 California filing rejected - debtor name formatting issue

Having major headaches with a UCC1 California filing that keeps getting rejected by the SOS. The debtor is a limited partnership and I've tried submitting with "ABC Holdings, LP" and "ABC Holdings Limited Partnership" but both versions got kicked back for name discrepancies. The original loan docs show the entity as "ABC Holdings, L.P." with periods after the L and P. I'm starting to wonder if California has specific formatting requirements I'm missing. This is for a $2.8M equipment financing deal and we're already past our internal deadline. Anyone dealt with similar LP name formatting issues in California recently?

Following this thread because I have a California UCC1 to file next week and want to avoid the same issues. Thanks for sharing your experience!

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Definitely do the entity search first thing. That seems to be the key takeaway from everyone's advice here.

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Also consider using one of those document comparison tools mentioned earlier. Better to catch issues before filing.

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UPDATE: Finally got it accepted! The correct name was 'ABC Holdings, L.P.' with the periods and comma. The SOS entity search showed the exact formatting needed. Thanks everyone for the help - this community is invaluable for navigating these filing headaches.

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Awesome news! Nothing beats the relief of seeing that acceptance confirmation after multiple rejections.

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Great outcome. I've bookmarked this thread for future reference - the entity search tip is gold.

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Paolo Bianchi

Capital funding UCC filing getting rejected for debtor name mismatch

I'm dealing with a capital funding situation where our UCC-1 keeps getting rejected by the SOS office. We're trying to secure a $450K equipment loan for our manufacturing expansion and the lender requires perfected security interest before closing. The problem is our business was incorporated as 'Precision Manufacturing Solutions LLC' but we've been operating under 'PMS Manufacturing' for marketing purposes. Filed the UCC-1 using the DBA name and it got kicked back with 'debtor name does not match entity records.' Refiled using the exact corporate name from our articles of incorporation and now they're saying the collateral description is too vague. This is holding up our entire funding timeline and the lender is getting impatient. Anyone dealt with similar capital funding UCC filing headaches? We need this perfected ASAP or we lose the equipment financing deal.

One more thought - make sure your UCC-1 addendum properly identifies the secured party information. Capital funding deals often involve multiple parties (original lender, servicer, trustee) and getting the secured party name wrong is another common rejection cause that's easy to overlook when you're focused on debtor name and collateral issues.

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Great point. Also verify the secured party address matches exactly what they want on file. Some institutional lenders have specific addresses for UCC filings that differ from their general business address.

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And double-check if they want individual names or the institution name as secured party. Capital funding agreements sometimes specify this in the loan documents.

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Been lurking on this thread because we're dealing with something similar. Our capital funding UCC got rejected three times before we figured out the state wanted the full legal entity name INCLUDING the state of incorporation. So instead of just 'ABC Manufacturing LLC' it had to be 'ABC Manufacturing LLC, a Delaware Limited Liability Company.' Ridiculous but that's what finally worked.

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That's insane. Each state seems to have different quirks for how they want entity names formatted on UCC filings. There really should be more standardization across states.

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This is another area where Certana.ai's verification tool helps - it knows the specific formatting requirements for each state's UCC filings and flags when your entity name format doesn't match what that state expects.

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Lydia Santiago

UCC filing rejected because master security agreement debtor name doesn't match exactly

Filed a UCC-1 last month for a $2.8M equipment financing deal and got rejected by the SOS office. The rejection notice says the debtor name on my UCC-1 doesn't match the master security agreement exactly. On the MSA it's "Advanced Manufacturing Solutions, LLC" but I filed it as "Advanced Mfg Solutions LLC" thinking the abbreviation would be fine. Now I'm worried about perfection timing since we're already 3 weeks past closing. Has anyone dealt with debtor name mismatches between the master security agreement and UCC filings? Do I need to refile completely or can I do an amendment? The lender is asking daily for status updates and I'm getting nervous about the whole deal falling apart over this naming issue.

The 3-week perfection gap is unfortunate but not uncommon with debtor name rejections. Focus on getting the corrected filing done properly rather than rushing and potentially making another mistake. Your lender will appreciate accuracy over speed at this point.

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Exactly. Better to take an extra day to get it perfect than to have another rejection and extend the gap even further.

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Update us when you get the corrected filing accepted! These debtor name horror stories are educational for all of us who work with master security agreements and UCC filings regularly.

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Will do! Filing the corrected UCC-1 today with the exact debtor name from the master security agreement. Lesson learned about never abbreviating entity names.

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Good luck! We've all been there with filing rejections - it's part of the learning process unfortunately.

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