Updated November 11, 2026
Construction equipment loans ending soon in Florida
Florida has 15,599 active UCC filings for construction equipment across 6,368 businesses, about 2.4 per business, so repeat borrowers are common. 3,440 new filings were recorded in the last 12 months, down 21% on the year before. 3,170 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 20% of the book. Caterpillar Financial dominates with 51% 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
-21% on the year before
New equipment filings by month
Florida, last 24 months. The current month is still coming in.
| 2024-12 | 443 |
|---|---|
| 2025-01 | 410 |
| 2025-02 | 374 |
| 2025-03 | 359 |
| 2025-04 | 311 |
| 2025-05 | 334 |
| 2025-06 | 337 |
| 2025-07 | 360 |
| 2025-08 | 351 |
| 2025-09 | 345 |
| 2025-10 | 364 |
| 2025-11 | 331 |
| 2025-12 | 471 |
| 2026-01 | 303 |
| 2026-02 | 259 |
| 2026-03 | 296 |
| 2026-04 | 269 |
| 2026-05 | 255 |
| 2026-06 | 298 |
| 2026-07 | 319 |
| 2026-08 | 273 |
| 2026-09 | 266 |
| 2026-10 | 241 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Caterpillar Financial8,008 · 51.3%Captive finance
- John Deere Financial4,272 · 27.4%Captive finance
- Komatsu Financial2,102 · 13.5%Captive finance
- JCB FINANCE1,088 · 7.0%Captive finance
- Vermeer Credit104 · 0.7%Captive finance
- DOOSAN BOBCAT NORTH AMERICA, INC.19 · 0.1%Captive finance
- WAGNER EQUIPMENT COMPANY5 · 0.0%Captive finance
- HD CONSTRUCTION EQUIPMENT DEVELON NORTH AMERICA LLC1 · 0.0%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 | SUN Tampa | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | Nov 2023 |
94 | FLA Trilby | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | Nov 2023 |
94 | PIP Riviera Beach. | Construction 36 mo old · peak window+35Near the 36-month mark+10 | John Deere Financial Captive finance | Nov 2023 |
94 | SUN Tampa | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | Nov 2023 |
94 | BCL Panama City | Construction 36 mo old · peak window+35Near the 36-month mark+10 | John Deere Financial Captive finance | Nov 2023 |
94 | PIP Riviera Beach. | Construction 36 mo old · peak window+35Near the 36-month mark+10 | John Deere Financial Captive finance | Oct 2023 |
94 | EAG Naples | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Komatsu Financial Captive finance | Oct 2023 |
94 | MIK Port Saint Lucie | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Komatsu Financial Captive finance | Oct 2023 |
Construction by city
- Miami1,301
- Jacksonville579
- Tampa452
- Naples393
- Orlando358
- Ocala324
- Homestead313
- Fort Myers280
- Hialeah243
- Sarasota242
- Pensacola203
- Lakeland156
- Tallahassee148
- Sanford143
- Panama City143
- Bradenton139
- Saint Augustine138
- Fort Pierce127
- West Palm Beach126
- Saint Cloud125
- Plant City123
- Milton121
- Green Cove Springs114
- Fort Lauderdale102
Other equipment types
- Agriculture23,681
- IT & office2,485
- Manufacturing2,425
- Vehicles319
- Trucks & trailers136
Who finances construction equipment
- Caterpillar Financial8,008
- John Deere Financial4,272
- Komatsu Financial2,102
- JCB FINANCE1,088
- Vermeer Credit104
Questions
How many construction equipment loans are active in Florida?
How many construction equipment loans in Florida end in the next six months?
Which lenders finance the most construction equipment in Florida?
Is Florida 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.