Entity status
Active
Since 21 Nov 2017. Never lapsed.
The short versionNothing here is broken. Two things are untidy.
Your company is Active in good standing as an entity — New York has not done anything to it and will not. But the State's own file says you are past due on a form, and it still has you in Westchester County at an address you left. Two filings fix both — $9 and $30.
Biennial statement
Past due
Four missed, since Nov 2019.
Cost to fix both
$39
$9 + $30, two filings.
Item oneThe State has you past due on your biennial statement
Every New York corporation files a short form every two years. Yours has never been filed.
New York corporations file a Biennial Statement every two years, in the same calendar month the company was formed. You were formed in November 2017, so yours came due in November 2019 — and then 2021, 2023 and 2025. The State's record shows none of them filed.
It is a four-question form. Who the chief executive is, where the office is, where to mail legal papers, and how many directors there are. That is the whole thing.
Why it actually matters
This is the Department of State's own explanation, word for word:
"Any Certificate of Status or status letter obtained from the New York Department of State will reflect that the corporation or LLC is past due in the filing of its Biennial Statement. This may prevent the corporation or LLC from completing certain business transactions."
A Certificate of Status is a routine attachment to certification applications. So the one document a reviewer is most likely to pull is the one that prints the words "past due."
And the good news
Being past due does not dissolve the company, does not suspend it, and does not affect your SBA SDVOSB certification. Your entity status reads Active today and has never been anything else. This is paperwork, caught early enough to be boring.
Item twoThe State still has you in Westchester, at an address you left
Two separate things on the record — the mailing address and the county — and they take two separate filings.
When someone sues a New York corporation, they often serve the Secretary of State, who then forwards the papers to whatever address the company last gave. Yours is still the old one.
| Field | What the State has | What is true |
|---|---|---|
| Address for legal papers | 134 North Avenue, Suite 204 New Rochelle, NY 10801 |
607 Nereid Avenue Bronx, NY 10470 |
| County on file | Westchester | Bronx |
| Chief executive on file | (blank) | Robert C. Knuckles Jr. |
| Principal office on file | (blank) | 607 Nereid Avenue, Bronx |
The part that costs money if it is left alone
If anyone ever serves the Secretary of State, the papers go to New Rochelle and you do not see them. The State's own words for what happens next: "avoiding the possibility of a default judgement." That is a judgment entered against the company because nobody showed up.
This is the certification angle. One of the three certifications in the Port Authority filing is a New York City one. The Bronx is New York City. Westchester is not. A reviewer who pulls your State record today sees a Westchester corporation applying for a New York City certification.
We checked this on the live form, not from a guide
Part 3 of the biennial statement is the service-of-process address, and it arrives already filled in with 134 North Avenue, Suite 204 — ready to be typed over. So the $9 you owe anyway is the same $9 that fixes where your legal mail goes.
But the county needs a second filing — we got this wrong at first
Our first read of this said the $9 form fixed everything. It does not, and the part it misses is the part that matters most to you.
Your county comes from the original 2017 incorporation certificate, which had to name a county and named Westchester. The biennial statement has no county field on it at all — it only moves the mailing address. Moving the company's office to the Bronx on the record takes a Certificate of Change, which is $30.
So: $9 for the past-due statement and the mailing address, $30 for the county. $39 total. One of the three certifications is a New York City one — and the county is exactly the field a reviewer looks at for that.
Item threeThe company was Enhance Auto Credit Inc until 30 June
You know this — you filed it. We didn't, and it changes what we ask you for.
The State's file shows exactly two documents in the company's whole history:
| Filed | Document | Name from that day |
|---|---|---|
| 21 Nov 2017 | Certificate of Incorporation | ENHANCE AUTO CREDIT INC |
| 30 Jun 2026 | Certificate of Amendment — "true name" | ENHANCE BUSINESS CONSULTING INC. |
The company is eight years and nine months old. The name is ten weeks old. Both are true and they are not the same sentence. It also explains the name mix-ups you have been fighting all year: SAM.gov activated under the old name on 23 June, the State amendment landed on 30 June, and SAM re-activated under the new name on 28 July — same UEI, same CAGE. Same company throughout. Nothing is wrong with it.
Three things this changes
1. Old paperwork will say Enhance Auto Credit. Bank statements, the first tax returns, the formation receipt, any ISO or lender agreements — anything before 30 June carries the old name. When you go looking, look for Enhance Auto Credit Inc. A search for the new name will come back empty, and that emptiness means nothing.
2. Your EIN letter probably still says the old name. The IRS issued it in 2017. Unless somebody told them about the June change, their records still read Enhance Auto Credit Inc — and the certification forms pair your new name with that EIN. We need to see the letter.
3. Your corporate records had to be rewritten. They said the company was formed in 2017 under its current name. On that date it wasn't. All nine documents now state both names and the amendment date. One of them gets sworn in front of a notary, so this had to be right.
Item fourSAM has you down as an LLC
Free to check, free to fix, and it needs fixing before anything goes in.
The SBA's public search page — the one a certification reviewer opens first, because it is free and takes ten seconds — lists your company like this:
| Field | What it says |
|---|---|
| Legal business name | ENHANCE BUSINESS CONSULTING INC. |
| Self-certifications | Minority-Owned Business · For Profit Organization · Limited Liability Company · Black American Owned |
The same record says Inc. in one field and LLC in another. New York says corporation, clearly — 200 shares, filed under § 402 of the Business Corporation Law.
Why this one blocks the package
An LLC has no shares, no stock ledger and no stock certificates. Those are three of the documents the Port Authority is asking you for, and three of the ones we have drafted. A reviewer who reads "Limited Liability Company" on your SBA profile and then opens a stock ledger has a contradiction handed to them for free.
The good news: that field is self-reported — it is what your SAM registration says about itself, not a decision anybody made about you. It is fixed in SAM, in your own account, and it costs nothing.
This probably traces back to the third name that has been floating around your records — Enhance Business Consulting Group LLC. The same lookup confirms your SDVOSB and VOSB certifications are active through 20 August 2029, so that side is clean.
Your SAM profileNine changes, waiting on your OK
Nothing has been touched. Say yes and we make them from our side.
SAM.gov is the record every contracting officer and prime searches. Yours has a few things in it that are either wrong or working against you. Here they are, worst first.
| What it says now | What it should say | |
|---|---|---|
| Entity type | Limited Liability Company | Corporation |
| EIN name | probably still Enhance Auto Credit Inc | must match SAM |
| Main industry code | 522310 — Loan Brokers | 541611 — Management Consulting |
| Annual receipts | $2 | your real number |
| Employees | 2 | 1 |
| Industry codes total | 2 | 6, possibly more |
The industry codes, plainly
Codes are the filter every government search runs on. You have two, and one of them is the wrong one to lead with. 522310 stays — it is real history and costs nothing as a secondary. It just wins no federal work, so it should not be the first thing anyone sees.
Four we would add now, all supported by what is already in your record:
541990 professional services · 561110 office administration — the exact
language already in your capability statement · 561499 business support ·
561410 document preparation, the closest code on the whole list to loan-file review.
Four we will not add until you answer: 541614 process consulting —
is it the process half or the logistics half? 611430 training — could you teach
mortgage ops or compliance to a client's staff? That one has 302 open notices,
the second-biggest on the list. 541219 accounting — what does your tax and business
operations experience actually cover? 541612 HR — only on a clear yes.
Three we are deliberately walking away from: 541519 IT services is
by far the biggest source of veteran set-aside work on the list, and you have no IT delivery —
that is the one it hurts to skip, and skipping it is still right. 561210 is
buildings and janitorial. 541618 looks like an obvious fit and is an empty code:
eight notices in the country.
The $2 one — read before you react
Your SAM record lists annual receipts of 2. Almost certainly a data-entry artifact, not anything you did. It does not hurt your small-business eligibility — it makes you trivially small. What it does is tell any prime doing market research that the company is not operating.
We have not corroborated it anywhere else, so we will confirm the raw field in the update form before touching it. We need your actual figure from your accountant.
The EIN one might explain a year of headaches
SAM checks your legal name against IRS records. Your EIN was issued in 2017 to Enhance Auto Credit Inc. If the IRS was never told about the June name change, the two records disagree — and your file already shows three CAGE validation failures this year (April, May, June) and a New York City name-mismatch ticket. That may be why.
What we need from youSix answers and one card
This is the whole ask. Nothing here needs a lawyer or an accountant to answer.
For the $9 filing
- Your business mailing address — confirm 607 Nereid Avenue, Bronx NY 10470 It goes in three places on the form: chief executive, principal office, and where legal papers get mailed. The principal office cannot be a PO box.
- An email address for State notices
If the State has an email for you, it emails you when the next one is due. That is how
this stops happening.
rknuckles@ebclend.comunless you'd rather use another. - A Visa, Mastercard or Amex $9 for the biennial statement, $30 for the Certificate of Change. Those three cards only — no debit-only, no PayPal.
The form also asks how many directors there are and how many are women. For your company that is one, and none — which is normal and is what the State expects from a one-person corporation.
For the corporate records package
- How many shares do you actually own? The State says the company is allowed to issue 200 shares, no par value — we got that from the record, so nobody has to guess. But how many were actually issued to you is a different number and only you or your accountant knows it. Do not guess this one.
- What did you put in to start the company in 2017? Cash, a laptop, paying the filing fee, or just your own work getting it off the ground — all four are valid under New York law and there is no minimum. There is nothing to be defensive about here. The only wrong answer is a made-up one.
- Is there an old minute book or stock certificate anywhere? If a formation service sent you a binder in 2017, we need to know before anything is signed. An old document that contradicts a new one is worse than having neither. If a certificate exists and says Enhance Auto Credit Inc — that is fine, send it as it is. Do not have anything reissued.
- The EIN letter The IRS form CP-575 from 2017, or a 147C replacement. And tell us whether the IRS was ever told about the June name change.
Your records packageDrafted from the statute — ready for your attorney
The Port Authority MWBE application, the State SDVOB application and APEX all demand the same pile: by-laws, minutes of the first organizational meeting, stock certificates, and a stock ledger. Like most one-person corporations formed in 2017, yours never made them.
Nine documents are drafted and waiting for your attorney friend. They were written from the New York Business Corporation Law directly, not from a template — every clause prints the section number it comes from, so a reviewer can check it. Templates were the wrong tool here: they are built to spread ownership and limit control, which is the opposite of what an MBE determination turns on.
The one that matters most
BCL § 715(e): "When all of the issued and outstanding stock of the corporation is owned by one person, such person may hold all or any combination of offices."
You being the only officer of your own company is not an irregularity to explain away. It is the arrangement the New York legislature wrote down on purpose. That is what we lead with.
Nothing is backdated, and that is deliberate
Every document is dated the day it is actually signed, in 2026, and says plainly that it records a history that started in 2017. A record created now and dated 2017, attached to a government application backed by a sworn statement, is a false statement to a public agency. A missing record is ordinary and fixable. A misdated one is a different category of problem. A one-paragraph cover memo tells the reviewer this up front, rather than letting them wonder.
Read them here
Open the corporate records package →
All nine documents, plus the register of everything still unconfirmed. Send that link to your attorney friend — it is written for him, and it opens with what he needs to know before he starts. Same private page rules as this one: not indexed, not linked from anywhere public.
Three reviews, thirty problems, and none of them in your company
Before you worry: every one of those was a defect in our drafting, not in your business. We ran the documents past our own statute check, then an independent reviewer, then a completely different AI model. Each found things the last one missed.
The worst were in 07 — the document you swear in front of a notary. It had the notary's county already filled in (it belongs to wherever you actually sign), it assumed your home address was your office address, and it flatly swore that no shares are pledged as collateral — which nobody has checked, and you ran a merchant cash advance business where that sort of thing happens.
The number of open questions went up after every review. That is the point. We would rather hand your attorney a document with a hundred honest blanks than one with a hundred confident guesses.
On paying someone $295 to do this
There is a service that quotes $295 flat to prepare missing organizational documents and file outstanding filings. Worth knowing what that $295 covers here: the outstanding filing is the $9 biennial statement, and the documents are drafted. What is genuinely left is a New York attorney reading them and signing off — which is exactly what your lawyer friend is for, and it is the part that cannot be skipped either way.
Honest about itWhat we got wrong, and the one thing still open
Checking every statute the package quotes turned up five citation errors in our own first draft — all now fixed. The worst one: we quoted the statute about corporate books being "prima facie evidence of the facts therein stated" and stopped one clause too early. The full sentence limits that to a plaintiff suing the corporation. We had built the package's headline argument on the short version. Corrected, and the argument now rests on the provision that actually supports it.
We are telling you this because a misquoted statute in a document handed to a government agency is exactly the kind of thing a reviewer finds, and then reads everything else differently.
And one of the six was ours, made while writing up the other five. We told you the $9 filing made the $30 Certificate of Change unnecessary. It does not — the statute says the statement's address supersedes the old one "for this purpose," and the purpose is mailing, not the county. Same mistake as the one above: reading to the end of the useful part of a sentence instead of the end of the sentence. Corrected above, and the cost went from $9 to $39.
One thing we could not settle
The State's filing system offers the November 2019 period — the oldest one you missed, not the current one — and shows a single $9.00 fee with no penalty. What we cannot tell from the screen is whether paying that $9 clears the past-due flag outright, or advances it to 2021 and asks for another $9, four times over.
Worst case that is $36 instead of $9, plus the separate $30. There is also a $250 late fine written into the statute, which the filing screen does not show and which by its terms only attaches after the State mails a formal notice — to New Rochelle, so you would not have seen it. We are not treating that as owed. One call to the Division of Corporations settles both: (518) 473-2492, weekdays 9:00–4:30 — along with the form number for the Certificate of Change.
Order of operationsWhat happens next
- Fix the entity type in SAM — you are listed as an LLC needs your login Free, your account, ten minutes. Do this one first: it is the only item on this page that actively contradicts the documents we are about to file.
- File the $9 statement, then the $30 Certificate of Change needs your card The statement is owed regardless and clears the "past due" line. The Certificate of Change is what actually moves you out of Westchester County on the record — which is the half a New York City reviewer looks at.
- Answer the six questions above needs you Shares issued, what you put in, whether an old minute book exists, the EIN letter, the address, an email.
- Your attorney reads the nine documents needs your friend They are drafted and cited. He is reviewing, not writing.
- Get the Port Authority's answer in writing we handle Whether records adopted in 2026 for a 2017 company are acceptable. They will be — it is the ordinary cure — but one email puts the answer in the file.
- Then the applications we handle Your MWBE and SDVOB applications are already started and part-filled in your Port Authority account. Both auto-delete on 1 December 2026 if they are not submitted.