Updated November 11, 2026
Equipment financing activity in Chipley, FL
Chipley has 356 active UCC filings for equipment across 172 businesses, about 2.1 per business, so repeat borrowers are common. 104 new filings were recorded in the last 12 months, up 35% on the year before. 88 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 25% of the book. The market is spread out: John Deere Financial leads with 13%, followed by Kubota Credit at 9%. Agriculture is the largest equipment type, at 14%. Banks and credit unions hold 44%, more than captives and independents.
Active equipment filings
Likely ending in the next 6 months
36, 48 or 60 month term
Businesses with active filings
New filings, last 12 months
+35% on the year before
New equipment filings by month
Chipley, FL, last 24 months. The current month is still coming in.
| 2024-12 | 6 |
|---|---|
| 2025-01 | 4 |
| 2025-02 | 5 |
| 2025-03 | 4 |
| 2025-04 | 5 |
| 2025-05 | 6 |
| 2025-06 | 11 |
| 2025-07 | 10 |
| 2025-08 | 5 |
| 2025-09 | 10 |
| 2025-10 | 6 |
| 2025-11 | 10 |
| 2025-12 | 12 |
| 2026-01 | 6 |
| 2026-02 | 8 |
| 2026-03 | 7 |
| 2026-04 | 1 |
| 2026-05 | 14 |
| 2026-06 | 15 |
| 2026-07 | 10 |
| 2026-08 | 7 |
| 2026-09 | 6 |
| 2026-10 | 11 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- John Deere Financial34 · 12.7%Captive finance
- Kubota Credit24 · 9.0%Captive finance
- INNOVATIONS FINANCIAL CREDIT UNION19 · 7.1%Bank
- COMMUNITY SOUTH CREDIT UNION15 · 5.6%Bank
- Bank
- Komatsu Financial11 · 4.1%Captive finance
- RIVER BANK & TRUST11 · 4.1%Bank
- DLL11 · 4.1%Independent
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated260 · 73.0%
- Agriculture50 · 14.0%
- Construction45 · 12.6%
- IT & office1 · 0.3%
Highest-scoring businesses right now
Names are partly hidden. The app shows them, with the phone number where public records have one.
| Score | Company | Why | Lender | Filed |
|---|---|---|---|---|
88 | JP Chipley | Construction 35 mo old · early+32Near the 36-month mark+7 | Caterpillar Financial Captive finance | Nov 2023 |
84 | U.S Chipley | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | C T CORPORATION SYSTEM, AS REPRESENTATIVE Other | Oct 2023 |
84 | PAN Chipley | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | PEOPLES BANK OF GRACEVILLE, NMLS 934688 Bank | Oct 2023 |
84 | JP Chipley | Agriculture 40 mo old · peak window+35Active, no continuation+10 | Kubota Credit Captive finance | Jun 2023 |
81 | A & Chipley | Equipment 47 mo old · peak window+35Near the 48-month mark+7 | COMMUNITY SOUTH CREDIT UNION Bank | Nov 2022 |
79 | WG Chipley | Construction 42 mo old · peak window+35Active, no continuation+10 | Komatsu Financial Captive finance | Apr 2023 |
79 | COA Chipley | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | TRUENORTH SERVICES LLC Other | Oct 2022 |
79 | U.S Chipley | Equipment 49 mo old · late window+33Near the 48-month mark+7 | COMMERCIAL CREDIT GROUP INC. ON BEHALF OF ITSELF AND ON BEHALF OF ALL AFFIL Independent | Sep 2022 |
Equipment types in Chipley
Nearby cities
- Panama City2,150
- Panama City Beach973
- Santa Rosa Beach889
- Freeport409
- Marianna396
- Defuniak Springs361
- Lynn Haven357
- Bonifay182
- Cottondale127
- Inlet Beach124
- Port Saint Joe111
- Graceville102
Top lenders in Chipley
- John Deere Financial34
- Kubota Credit24
- INNOVATIONS FINANCIAL CREDIT UNION19
- COMMUNITY SOUTH CREDIT UNION15
- FARM CREDIT OF NORTHWEST FLORIDA, ACA14
- Komatsu Financial11
- RIVER BANK & TRUST11
- DLL11
- COMMERCIAL CREDIT GROUP INC. ON BEHALF OF ITSELF AND ON BEHALF OF ALL AFFIL11
- Caterpillar Financial10
Questions
How many equipment loans are active in Chipley, FL?
How many equipment loans in Chipley, FL end in the next six months?
Which lenders finance the most equipment in Chipley, FL?
What equipment is financed most in Chipley, FL?
Is Chipley, FL equipment financing growing?
Source: UCC financing statements from the public data files of the Florida Secured Transaction Registry, loaded every business day. Last updated November 11, 2026. Counts cover businesses' equipment filings only: consumer solar, tool accounts, liens on injury claims and filings against people or sole proprietors are left out. “Active” means not terminated or lapsed. “Likely ending” means a 36, 48 or 60 month term from the filing date ends within six months; the filing itself doesn't state the term. Not a consumer report. How UCC filings work.