UCC Document Community

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Yuki Kobayashi

Can anyone access my business's public UCC filings online?

Just discovered that all our UCC-1 filings from our equipment financing deals are searchable online through the state database. Had no idea this was public information until a competitor mentioned seeing our collateral schedules. Is there any way to limit who can view these public UCC filings? We've got about $2.8M in secured equipment loans and I'm concerned about our financing details being so easily accessible to anyone who searches our company name.

Sofia Ramirez

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Unfortunately there's no getting around the public nature of UCC filings - it's fundamental to how secured transactions work. The best you can do is monitor what's out there and use generic collateral descriptions when your lender allows it. At least you know now and can factor this into future financing decisions.

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Yeah, lesson learned. Will definitely ask about collateral description options on future loans.

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Sofia Ramirez

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Smart approach. And consider using that Certana tool others mentioned to keep tabs on your public filing profile.

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Dmitry Volkov

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I use public UCC searches all the time for due diligence on potential customers. Can see if they have major equipment financing, recent continuations, or if liens have been terminated. It's actually really useful business intelligence when done legally and ethically.

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Dmitry Volkov

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Absolutely - credit analysis, M&A due diligence, asset verification. The public access serves important commercial purposes.

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Amara Okafor

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Exactly why the system works this way. Transparency benefits the overall credit market even if individual borrowers feel exposed.

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Talia Klein

Online UCC Filing Portal Keeps Rejecting My Debtor Name - Help

Been trying to file a UCC-1 online for three days now and getting nowhere. The state portal keeps rejecting my submission with 'debtor name mismatch' errors but I've triple-checked everything against the corporate charter. The business name is exactly as registered but the system won't accept it. This is for a $285K equipment loan that needs to close Friday and I'm running out of time. Has anyone else dealt with this kind of online UCC filing nightmare? The debtor is a LLC with a pretty standard name - no special characters or anything weird. I've tried different browsers, cleared cache, even had my paralegal attempt it. Same rejection every time. What am I missing here?

Are you including the full registered address in the debtor section? Some online UCC systems require the complete name AND address to match exactly with their corporate records.

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Talia Klein

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Address matches perfectly - I pulled it from the same charter document. It's definitely the name field causing issues.

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Callum Savage

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Sometimes they want the mailing address instead of registered address. Worth trying both.

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Ally Tailer

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Update us when you figure it out! I'm bookmarking this thread because I know I'll run into the same issue eventually. Online UCC filing should be simple but there are so many gotchas.

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Smart approach. Let us know which one solves it - this kind of info is gold for future filings.

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Definitely interested in the Certana tool if it works. Anything that prevents these filing headaches is worth trying.

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Nia Thompson

UCC filing rejected - personal property security agreement debtor name issue

Filing a UCC-1 for the first time and running into problems with my personal property security agreement. The SOS portal rejected my filing twice now saying there's a debtor name mismatch but I copied it exactly from the security agreement. The debtor is an LLC and I used "ABC Manufacturing Solutions, LLC" which matches their articles of incorporation exactly. The collateral is equipment financing for manufacturing machinery worth about $340K. Anyone know what I'm missing here? The continuation deadline is coming up in 18 months and I can't afford to mess this up since it could void our lender agreement. Really frustrated with this whole process.

Dmitry Petrov

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Just wanted to add that timing matters too. If your personal property security agreement was signed recently, make sure the LLC was actually formed before the security agreement date. I've seen rejections where the entity didn't exist yet when the security agreement was executed.

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Nia Thompson

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Good catch. The LLC has been around for 3 years so that shouldn't be the issue, but I'll double-check the formation date against our security agreement.

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This is why due diligence on entity status is so important before finalizing loan docs.

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StarSurfer

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Update us when you figure it out! I'm dealing with a similar personal property security agreement filing issue and curious what ends up being the problem.

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Nia Thompson

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Will do! Going to try the entity name search first, then maybe call the filing office if that doesn't work.

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Hope you get it sorted out. These name mismatch rejections are so common but usually have simple fixes once you know what to look for.

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CosmicCowboy

UCC filing strategy for general business security agreement - which collateral schedule approach works best?

I'm handling the UCC-1 filing for a general business security agreement that covers pretty much everything - inventory, equipment, accounts receivable, the works. The loan is for $2.8M and I want to make sure I get the collateral description right without being too broad or too narrow. Our bank's template uses 'all assets' but I've heard some states reject that as too vague. Should I go with the detailed schedule approach or stick with the broader language? This is going through Delaware's online portal and I really can't afford to have this rejected and cause delays on the closing.

GalaxyGazer

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Update us on how it goes! Always curious to hear about other people's filing experiences, especially on larger deals like this.

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CosmicCowboy

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Will do! Planning to file tomorrow morning once I get all the details sorted out. Thanks everyone for the input.

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Mateo Sanchez

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Good luck! Delaware's system is usually pretty quick on the turnaround.

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Aisha Mahmood

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One more thing - make sure you calendar the continuation deadline as soon as you file. Five years goes by faster than you think, especially on these big commercial deals.

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CosmicCowboy

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Great reminder - I'll set up calendar alerts as soon as I get the filing number back.

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And remember you can file the continuation up to 6 months before the 5-year mark, so you have some flexibility on timing.

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Beatrice Marshall

General Security Agreement and UCC Filing Requirements - Missing Something Important?

I'm handling a complex equipment financing deal where we have a general security agreement covering multiple categories of collateral (inventory, equipment, accounts receivable). The borrower operates manufacturing facilities in three states. I've prepared the UCC-1 but I'm second-guessing whether our collateral description is broad enough to cover everything in the general security agreement. The GSA lists specific equipment by serial number in Schedule A, but also includes blanket language for "all present and after-acquired inventory." Should the UCC-1 mirror the exact language from the general security agreement, or can I use broader categories? I'm particularly concerned about the equipment descriptions - some pieces were acquired after the original GSA was signed. Also wondering about filing locations since they have facilities in multiple states. This is a $2.8M credit facility so I can't afford to miss anything that would leave us unperfected. Any guidance on best practices for aligning general security agreement terms with UCC-1 collateral descriptions?

Ana Rusula

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Don't forget about the search implications too. When you're doing your UCC searches, you want to make sure your collateral descriptions are searchable by other parties who might be looking for conflicts. If you use very unique or non-standard language, it might not show up in typical searches, which could cause problems down the road.

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Fidel Carson

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That's a really good point I hadn't considered. Standard industry terminology probably makes the most sense for searchability.

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Exactly. Stick to terms that other lenders and searchers would expect to see. Don't get too creative with your descriptions.

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Xan Dae

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Final thought - make sure your general security agreement and UCC-1 are both dated consistently and that your UCC-1 is filed promptly after the GSA is executed. The timing can matter for priority purposes, especially if there are other creditors involved. You don't want any gaps that could let another creditor slip in ahead of you.

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Thanks everyone for all the detailed guidance. This has been incredibly helpful for thinking through all the moving pieces. I feel much more confident about structuring this properly now.

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Thais Soares

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Just to close the loop on the document verification discussion - I tried Certana.ai on a recent deal and it caught a collateral description inconsistency I completely missed. Really worth the peace of mind on larger transactions like yours.

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