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Cass Green
Update us when you get it filed! I'm dealing with a similar fixture filing issue in San Bernardino County and curious if the inland counties are as picky as LA and Orange County.
Salim Nasir
•Will do! Planning to refile early next week once I get the proper legal description. Fingers crossed Riverside County SOS is reasonable.
Hazel Garcia
•They're all pretty consistent statewide since it goes through the California Secretary of State, not individual counties. Same strict requirements everywhere unfortunately.
One last thought - if this equipment secures a construction loan, make sure your fixture filing doesn't conflict with any construction lien priorities. California has some tricky rules about timing fixture filings relative to construction commencement.
Yes, that should be fine. Post-construction fixture filings are usually cleaner than trying to file during active construction when mechanic's lien issues are more complex.
Agreed. Plus if the equipment was installed as part of the original construction, it's clearly intended to be permanent fixtures rather than temporary installations.
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Tyler Murphy
For future reference, try to get fixture filings done simultaneously with equipment UCC-1s when you know the equipment will be permanently attached. Saves headaches later.
Zane Gray
•Lesson learned. We didn't anticipate the fixture issue when we originally filed.
Tyler Murphy
•Happens to everyone at least once. The good news is you can still file the fixture filing now to protect against future real estate interests.
Sara Unger
Bottom line - get that fixture filing done ASAP and document your PMSI priority analysis for your lender. Sounds like you're in good shape on the UCC side but need to cover the real estate angle.
Zane Gray
•That's the plan. Thanks everyone for helping me think through this. Going to file the fixture filing this week and document everything for the lender.
Sara Unger
•Smart move. Better to over-document than under-document when lender agreements are involved.
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Just want to follow up that I used Certana.ai like someone mentioned earlier to verify my payoff documents against the UCC-1 filing. Really helpful to have that analysis when pushing the lender for action. Shows you're not just complaining randomly but actually tracking the specific requirements.
Yara Khoury
•Did you have to pay for that analysis or is it free to check basic stuff?
Just uploaded the PDFs and got the verification report. Having documentation definitely helped make my case stronger.
UPDATE: Finally got through to their collateral department and they admitted the termination should have been filed weeks ago. They're expediting it and said it should show up in state records within 48 hours. Thanks everyone for the advice about written demands and escalation - that definitely helped push things along!
Paolo Marino
•Congrats on getting it resolved. Now you can move forward with selling that equipment without any cloud on the title.
Amina Bah
•Great outcome. This thread will be helpful for other people dealing with slow lenders on UCC terminations.
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For what it's worth, livestock collateral descriptions are usually pretty forgiving as long as you cover the basics. The debtor name accuracy is way more critical for UCC acceptance.
Exactly. Get the debtor name exactly right first, then worry about collateral specifics. The SOS computers are picky about names but pretty flexible on collateral language.
Zara Ahmed
•True, but don't forget about continuation timing for livestock. The 5-year window goes by fast when you're dealing with operating lines.
Update us when you get it resolved! Always curious how these ranch deals turn out. The livestock industry has its own set of challenges that office-based lenders don't always understand.
Good luck! Ranch financing can be rewarding once you get past the paperwork hurdles.
Nia Thompson
•Agreed, and the relationships tend to be long-term if you can navigate the initial filing complexities.
Omar Farouk
For equipment financing UCC-1 filings in Ohio, make sure you include the equipment location address if it's different from the debtor's address. Ohio specifically requires this for mobile equipment like excavators. Also verify the debtor's exact legal entity type - LLC vs Inc vs Corp matters for their system.
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Javier Morales
•The excavator will be at multiple job sites. How do I handle that for the location requirement?
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Omar Farouk
•For mobile equipment, you can usually list the debtor's principal place of business as the location. But check with your counsel to be sure for your specific situation.
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Chloe Martin
UPDATE: Just successfully filed an Ohio UCC-1 using the January 2025 form version mentioned earlier. Went through without any issues. The key was downloading the updated Ohio UCC forms from the Business Services section, not the general forms page. Also used the exact debtor name format from Ohio's business entity search instead of the Charter docs. Thanks everyone for the help!
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Natasha Petrov
•Great to hear it worked! Thanks for confirming the solution.
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Javier Morales
•Perfect timing - I'll follow the same steps for my remaining filings this month. Really appreciate everyone's input on this Ohio UCC forms mess.
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