Updated November 12, 2026
Equipment financing activity in Cocoa, FL
Cocoa has 1,223 active UCC filings for equipment across 651 businesses, about 1.9 per business, so repeat borrowers are common. 267 new filings were recorded in the last 12 months, up 9% on the year before. 293 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 24% of the book. The market is spread out: 1ST SOURCE BANK, CONSTRUCTION EQUIPMENT DIVISION leads with 11%, followed by Kubota Credit at 8%. Banks and credit unions hold 45%, 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
+9% on the year before
New equipment filings by month
Cocoa, FL, last 24 months. The current month is still coming in.
| 2024-12 | 23 |
|---|---|
| 2025-01 | 15 |
| 2025-02 | 20 |
| 2025-03 | 27 |
| 2025-04 | 25 |
| 2025-05 | 21 |
| 2025-06 | 20 |
| 2025-07 | 17 |
| 2025-08 | 18 |
| 2025-09 | 19 |
| 2025-10 | 16 |
| 2025-11 | 37 |
| 2025-12 | 21 |
| 2026-01 | 14 |
| 2026-02 | 13 |
| 2026-03 | 22 |
| 2026-04 | 28 |
| 2026-05 | 15 |
| 2026-06 | 20 |
| 2026-07 | 19 |
| 2026-08 | 35 |
| 2026-09 | 25 |
| 2026-10 | 26 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Bank
- Kubota Credit64 · 7.7%Captive finance
- John Deere Financial43 · 5.2%Captive finance
- SIEMENS FINANCIAL SERVICES INC28 · 3.4%Independent
- NEXTGEAR CAPITAL, INC.21 · 2.5%Independent
- Bank
- BANK OF AMERICA, N.A.16 · 1.9%Bank
- Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated1,081 · 88.4%
- Agriculture102 · 8.3%
- Construction33 · 2.7%
- Vehicles4 · 0.3%
- IT & office2 · 0.2%
- Trucks & trailers1 · 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 | H & Cocoa | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Komatsu Financial Captive finance | Oct 2023 |
88 | H & Cocoa | Construction 35 mo old · early+32Near the 36-month mark+7 | Caterpillar Financial Captive finance | Nov 2023 |
88 | H & Cocoa | Construction 35 mo old · early+32Near the 36-month mark+7 | Caterpillar Financial Captive finance | Nov 2023 |
88 | GOO Cocoa | Construction 38 mo old · peak window+35Near the 36-month mark+4 | Caterpillar Financial Captive finance | Aug 2023 |
86 | T'S Cocoa | Agriculture 37 mo old · peak window+35Near the 36-month mark+7 | John Deere Financial Captive finance | Sep 2023 |
86 | T'S Cocoa | Agriculture 37 mo old · peak window+35Near the 36-month mark+7 | John Deere Financial Captive finance | Sep 2023 |
84 | INS Cocoa | Agriculture 40 mo old · peak window+35Active, no continuation+10 | Kubota Credit Captive finance | Jun 2023 |
81 | BEA Cocoa | Equipment 37 mo old · peak window+35Near the 36-month mark+7 | SUMITOMO MITSUI FINANCE AND LEASING COMPANY, LIMITED Independent | Sep 2023 |
Equipment types in Cocoa
Nearby cities
- Melbourne2,789
- Vero Beach2,675
- Palm Bay1,330
- Rockledge726
- Merritt Island552
- Sebastian372
- West Melbourne266
- Cocoa Beach256
- Indialantic186
- Satellite Beach184
- Fellsmere166
- Cape Canaveral166
Top lenders in Cocoa
- 1ST SOURCE BANK, CONSTRUCTION EQUIPMENT DIVISION93
- Kubota Credit64
- John Deere Financial43
- SIEMENS FINANCIAL SERVICES INC28
- NEXTGEAR CAPITAL, INC.21
- WELLS FARGO VENDOR FINANCIAL SERVICES, LLC19
- BANK OF AMERICA, N.A.16
- WEBBANK, ITS SUCCESSORS AND ASSIGNEES16
- Caterpillar Financial15
- JPMORGAN CHASE BANK, NA14
Questions
How many equipment loans are active in Cocoa, FL?
How many equipment loans in Cocoa, FL end in the next six months?
Which lenders finance the most equipment in Cocoa, FL?
What equipment is financed most in Cocoa, FL?
Is Cocoa, 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 12, 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.