Updated November 11, 2026
Construction equipment loans in Clearwater, FL
Clearwater has 78 active UCC filings for construction equipment across 38 businesses, about 2.1 per business, so repeat borrowers are common. 10 new filings were recorded in the last 12 months, down 29% on the year before. 23 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 29% of the book. Caterpillar Financial dominates with 53% of active filings. Captive finance arms of the manufacturers write 100% of it, so dealer relationships matter here.
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
-29% on the year before
New equipment filings by month
Clearwater, FL, last 24 months. The current month is still coming in.
| 2024-12 | 3 |
|---|---|
| 2025-01 | 3 |
| 2025-02 | 0 |
| 2025-03 | 0 |
| 2025-04 | 1 |
| 2025-05 | 0 |
| 2025-06 | 1 |
| 2025-07 | 1 |
| 2025-08 | 2 |
| 2025-09 | 3 |
| 2025-10 | 0 |
| 2025-11 | 0 |
| 2025-12 | 0 |
| 2026-01 | 1 |
| 2026-02 | 0 |
| 2026-03 | 0 |
| 2026-04 | 0 |
| 2026-05 | 1 |
| 2026-06 | 4 |
| 2026-07 | 2 |
| 2026-08 | 1 |
| 2026-09 | 1 |
| 2026-10 | 0 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Caterpillar Financial41 · 52.6%Captive finance
- John Deere Financial17 · 21.8%Captive finance
- JCB FINANCE12 · 15.4%Captive finance
- Komatsu Financial8 · 10.3%Captive finance
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 |
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 | 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 |
88 | DOG Clearwater | Construction 35 mo old · early+32Near the 36-month mark+7 | John Deere Financial Captive finance | Nov 2023 |
88 | BRI Clearwater | Construction 46 mo old · peak window+35Near the 48-month mark+4 | Caterpillar Financial Captive finance | Dec 2022 |
Construction in nearby cities
Construction across FloridaTop lenders here
Questions
How many construction equipment loans are active in Clearwater, FL?
How many construction equipment loans in Clearwater, FL end in the next six months?
Which lenders finance the most construction equipment 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.