Updated November 11, 2026
Equipment financing activity in Cottondale, FL
Cottondale has 127 active UCC filings for equipment across 52 businesses, about 2.4 per business, so repeat borrowers are common. New filings held steady over the last 12 months at 29. 23 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 18% of the book. The market is spread out: COMMERCIAL CREDIT GROUP INC. ON BEHALF OF ITSELF AND ON BEHALF OF ALL AFFIL leads with 17%, followed by WELLS FARGO VENDOR FINANCIAL SERVICES, LLC at 9%.
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
+4% on the year before
New equipment filings by month
Cottondale, FL, last 24 months. The current month is still coming in.
| 2024-12 | 1 |
|---|---|
| 2025-01 | 2 |
| 2025-02 | 2 |
| 2025-03 | 4 |
| 2025-04 | 0 |
| 2025-05 | 2 |
| 2025-06 | 0 |
| 2025-07 | 7 |
| 2025-08 | 3 |
| 2025-09 | 0 |
| 2025-10 | 2 |
| 2025-11 | 3 |
| 2025-12 | 3 |
| 2026-01 | 1 |
| 2026-02 | 2 |
| 2026-03 | 2 |
| 2026-04 | 3 |
| 2026-05 | 3 |
| 2026-06 | 1 |
| 2026-07 | 3 |
| 2026-08 | 1 |
| 2026-09 | 5 |
| 2026-10 | 3 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Independent
- Bank
- Caterpillar Financial8 · 8.6%Captive finance
- PEOPLESSOUTH BANK7 · 7.5%Bank
- John Deere Financial6 · 6.5%Captive finance
- AGCO Finance4 · 4.3%Captive finance
- STEARNS BANK EQUIPMENT FINANCE3 · 3.2%Bank
- FNB EQUIPMENT FINANCE3 · 3.2%Independent
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated104 · 81.9%
- Construction12 · 9.4%
- Agriculture10 · 7.9%
- Trucks & trailers1 · 0.8%
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 |
|---|---|---|---|---|
81 | SAP Cottondale | Equipment 37 mo old · peak window+35Near the 36-month mark+7 | SECURED LENDER SOLUTIONS, LLC Other | Sep 2023 |
81 | ALB Cottondale | Equipment 47 mo old · peak window+35Near the 48-month mark+7 | COMMERCIAL CREDIT GROUP INC. ON BEHALF OF ITSELF AND ON BEHALF OF ALL AFFIL Independent | Nov 2022 |
79 | DON Cottondale | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | FIRST FEDERAL BANK Bank | Oct 2022 |
79 | ALB Cottondale | 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 |
79 | ALB Cottondale | 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 |
76 | ING Cottondale | Construction 39 mo old · peak window+35Near the 36-month mark+2 | John Deere Financial Captive finance | Jul 2023 |
74 | SAP Cottondale | Equipment 40 mo old · peak window+35Active, no continuation+10 | HOMETRUST BANK Bank | Jun 2023 |
74 | GRA Cottondale | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | WELLS FARGO VENDOR FINANCIAL SERVICES, LLC Bank | Oct 2022 |
Nearby cities
- Panama City2,150
- Panama City Beach973
- Santa Rosa Beach889
- Freeport409
- Marianna396
- Defuniak Springs361
- Lynn Haven357
- Chipley356
- Bonifay182
- Inlet Beach124
- Port Saint Joe111
- Graceville102
Top lenders in Cottondale
- COMMERCIAL CREDIT GROUP INC. ON BEHALF OF ITSELF AND ON BEHALF OF ALL AFFIL16
- WELLS FARGO VENDOR FINANCIAL SERVICES, LLC8
- Caterpillar Financial8
- PEOPLESSOUTH BANK7
- John Deere Financial6
- AGCO Finance4
- STEARNS BANK EQUIPMENT FINANCE3
- FNB EQUIPMENT FINANCE3
- ONE FLORIDA BANK3
- DLL3
Questions
How many equipment loans are active in Cottondale, FL?
How many equipment loans in Cottondale, FL end in the next six months?
Which lenders finance the most equipment in Cottondale, FL?
What equipment is financed most in Cottondale, FL?
Is Cottondale, 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.