Updated November 11, 2026
Equipment financing activity in Clearwater, FL
Clearwater has 4,936 active UCC filings for equipment across 3,087 businesses, about 1.6 per business, so repeat borrowers are common. New filings held steady over the last 12 months at 1,060. 1,116 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 23% of the book. The market is spread out: VALLEY NATIONAL BANK leads with 5%, followed by PNC BANK, NATIONAL ASSOCIATION at 3%. Banks and credit unions hold 56%, 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
-5% on the year before
New equipment filings by month
Clearwater, FL, last 24 months. The current month is still coming in.
| 2024-12 | 78 |
|---|---|
| 2025-01 | 78 |
| 2025-02 | 66 |
| 2025-03 | 80 |
| 2025-04 | 92 |
| 2025-05 | 93 |
| 2025-06 | 99 |
| 2025-07 | 90 |
| 2025-08 | 102 |
| 2025-09 | 132 |
| 2025-10 | 96 |
| 2025-11 | 112 |
| 2025-12 | 137 |
| 2026-01 | 78 |
| 2026-02 | 56 |
| 2026-03 | 89 |
| 2026-04 | 80 |
| 2026-05 | 95 |
| 2026-06 | 89 |
| 2026-07 | 92 |
| 2026-08 | 110 |
| 2026-09 | 83 |
| 2026-10 | 76 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- VALLEY NATIONAL BANK136 · 4.7%Bank
- PNC BANK, NATIONAL ASSOCIATION94 · 3.3%Bank
- FLAGSHIP BANK91 · 3.2%Bank
- THE HUNTINGTON NATIONAL BANK73 · 2.5%Bank
- JPMORGAN CHASE BANK, NA71 · 2.5%Bank
- DLL66 · 2.3%Independent
- BANK OF AMERICA, N.A.56 · 2.0%Bank
- LEAF CAPITAL FUNDING, LLC56 · 2.0%Independent
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated4,714 · 95.5%
- Construction78 · 1.6%
- Agriculture65 · 1.3%
- Manufacturing39 · 0.8%
- IT & office31 · 0.6%
- Trucks & trailers5 · 0.1%
- Vehicles4 · 0.1%
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 |
|---|---|---|---|---|
94 | DOG Clearwater | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | Oct 2023 |
94 | G.A Clearwater | Agriculture 36 mo old · peak window+35Near the 36-month mark+10 | CNH Industrial Capital Captive finance | Oct 2023 |
91 | DOG Clearwater | Construction 37 mo old · peak window+35Near the 36-month mark+7 | Caterpillar Financial Captive finance | Sep 2023 |
91 | HOW Clearwater | Construction 37 mo old · peak window+35Near the 36-month mark+7 | John Deere Financial Captive finance | Sep 2023 |
91 | DOG Clearwater | Construction 37 mo old · peak window+35Near the 36-month mark+7 | John Deere Financial Captive finance | Sep 2023 |
91 | FLO Clearwater | Agriculture 37 mo old · peak window+35Near the 36-month mark+7 | Kubota Credit Captive finance | Sep 2023 |
91 | HOW Clearwater | Construction 37 mo old · peak window+35Near the 36-month mark+7 | John Deere Financial Captive finance | Sep 2023 |
88 | BLA Clearwater | Construction 35 mo old · early+32Near the 36-month mark+7 | Caterpillar Financial Captive finance | Nov 2023 |
Equipment types in Clearwater
Nearby cities
- St. Petersburg2,713
- Saint Petersburg2,012
- Largo1,914
- Pinellas Park956
- Seminole612
- Gulfport126
- Madeira Beach101
- St Pete Beach97
- Belleair62
- Treasure Island61
- Indian Rocks Beach60
- Petersburg55
Questions
How many equipment loans are active in Clearwater, FL?
How many equipment loans in Clearwater, FL end in the next six months?
Which lenders finance the most equipment in Clearwater, FL?
What equipment is financed most in Clearwater, FL?
Is Clearwater, 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.