UCC Document Community

Ask the community...

  • 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 :)

Grace Durand

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Just want to add that timing matters a lot with UCC-3 filings. If you need to make changes, do it sooner rather than later. I waited too long to fix an error and it caused problems when we tried to add additional collateral to our credit line.

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Grace Durand

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The bank had to redo a bunch of paperwork and it delayed our additional funding by almost a month. Cost us a business opportunity we were trying to finance.

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Alice Fleming

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That's frustrating. Shows how important it is to get the details right upfront.

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Hassan Khoury

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I'll throw in one more tip - keep copies of all UCC filings in your corporate records. When you eventually pay off the loan, make sure the lender files a UCC-3 termination to clear the lien. Some lenders are slow about this and it can cause issues later if you want to use the same collateral for another loan.

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Benjamin Kim

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Some states have laws requiring lenders to file terminations within a certain timeframe after payoff. Check your state's requirements.

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True, and if they don't comply you might be entitled to damages. Though most lenders are pretty good about this if you stay on top of them.

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Zoey Bianchi

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For future reference, some states allow you to call and verify debtor name format before filing. It's not official but the clerks will usually tell you if a name looks right. Saved me a few times when I wasn't sure about punctuation or abbreviations.

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Which states do this? Would love to know for our multi-state deals.

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Zoey Bianchi

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Texas and Florida definitely will. Others vary - some are helpful, others won't discuss specific filings over the phone.

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UPDATE: Finally got it accepted! Turns out the issue was a comma in the middle of the LLC name that appeared in some docs but not others. Used the format from an existing UCC search and it went through clean. Thanks for all the advice - definitely implementing these best practices going forward.

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Great news! A comma causing three rejections is exactly the kind of thing that drives us all crazy about these systems.

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Isaac Wright

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Congrats on getting it through before the deadline. That must have been stressful with a $2.8M deal hanging in the balance.

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Lily Young

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I'd also verify that your original UCC-1 is still valid and hasn't already lapsed. Mobile home deals sometimes have longer gaps between filing and continuation and you might be past the 5-year window already.

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Lily Young

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Smart approach. Better to get it sorted now than scramble in February.

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March 2025 deadline means you can file the continuation anytime within 6 months before expiration, so you have plenty of time if you need to do an amendment first.

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Wesley Hallow

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Final thought - make sure your continuation statement references the original filing number exactly. I've seen continuations rejected because someone transposed digits in the filing number even when everything else was perfect.

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Good catch! I'll double-check that filing number. It's easy to make a typo when you're rushing to get documents filed.

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Justin Chang

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This is another thing those document verification tools catch - makes sure filing numbers match exactly between related documents.

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Diego Mendoza

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Alaska also requires the debtor's mailing address to match their registered office address exactly. Make sure you're not using a different address format there too.

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Yara Sabbagh

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Oh no, I didn't even think about the address formatting. Now I'm worried about that too.

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Diego Mendoza

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Check the registered agent info in their business database. That's usually the safest address format to use.

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SUCCESS! The filing was accepted this morning. It was definitely the missing comma before LLC that was causing the rejections. Thanks to everyone who helped troubleshoot this. The document comparison tool was a lifesaver for spotting that tiny difference.

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Zara Shah

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Congrats! Now you can finally get that equipment loan closed. How long did the whole process end up taking?

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About a week total with all the back and forth, but should have been same-day if I'd caught the formatting issue upfront.

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I tried using one of those document checking services recently - Certana.ai - and it actually caught a debtor name issue I would have missed. You just upload your documents and it flags inconsistencies automatically. Way better than trying to manually compare everything, especially when you're dealing with multiple entity names and variations.

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QuantumQueen

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How long does the verification process take?

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Aisha Rahman

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Pretty much instant - just upload the PDFs and it shows you the results right away. Really helpful for catching those small differences that are easy to miss.

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Ethan Wilson

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Bottom line for your situation - use 'ABC Manufacturing Solutions, LLC' with the comma since that's what the secretary of state database shows. Your equipment collateral description should be fine as long as it's reasonably specific. The name match is the critical part that will make or break your filing acceptance. Good luck with your $180K deal!

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Yuki Sato

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Thanks everyone! This thread probably saved me from a rejected filing. Going with the exact state registry name.

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Carmen Flores

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Smart move. Better safe than sorry with UCC filings - the stakes are too high to guess.

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