Updated November 11, 2026
Equipment financing activity in Fernandina Beach, FL
Fernandina Beach has 521 active UCC filings for equipment across 323 businesses, about 1.6 per business, so repeat borrowers are common. 116 new filings were recorded in the last 12 months, down 11% on the year before. 126 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: VYSTAR CREDIT UNION leads with 5%, followed by John Deere Financial at 4%. Banks and credit unions hold 54%, 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
-11% on the year before
New equipment filings by month
Fernandina Beach, FL, last 24 months. The current month is still coming in.
| 2024-12 | 17 |
|---|---|
| 2025-01 | 8 |
| 2025-02 | 8 |
| 2025-03 | 14 |
| 2025-04 | 15 |
| 2025-05 | 12 |
| 2025-06 | 10 |
| 2025-07 | 8 |
| 2025-08 | 7 |
| 2025-09 | 12 |
| 2025-10 | 14 |
| 2025-11 | 11 |
| 2025-12 | 13 |
| 2026-01 | 4 |
| 2026-02 | 6 |
| 2026-03 | 14 |
| 2026-04 | 8 |
| 2026-05 | 16 |
| 2026-06 | 10 |
| 2026-07 | 7 |
| 2026-08 | 12 |
| 2026-09 | 5 |
| 2026-10 | 12 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- VYSTAR CREDIT UNION15 · 4.6%Bank
- John Deere Financial14 · 4.3%Captive finance
- FIRST PORT CITY BANK14 · 4.3%Bank
- WAYCROSS BANK & TRUST10 · 3.1%Bank
- Bank
- OAKMONT CAPITAL HOLDINGS LLC9 · 2.8%Independent
- PRIMESOUTH BANK9 · 2.8%Bank
- WESTERN EQUIPMENT FINANCE, INC.9 · 2.8%Independent
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated478 · 91.7%
- Agriculture17 · 3.3%
- Construction16 · 3.1%
- Manufacturing8 · 1.5%
- IT & office2 · 0.4%
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 |
|---|---|---|---|---|
82 | ISD Fernandina Beach | Construction 34 mo old · early+29Near the 36-month mark+4 | JCB FINANCE Captive finance | Dec 2023 |
82 | FIR Fernandina Beach | Manufacturing 34 mo old · early+29Near the 36-month mark+4 | Toyota Industries Commercial Finance Captive finance | Dec 2023 |
82 | FIR Fernandina Beach | Manufacturing 34 mo old · early+29Near the 36-month mark+4 | Toyota Industries Commercial Finance Captive finance | Dec 2023 |
79 | AME Fernandina Beach | Construction 36 mo old · peak window+35Near the 36-month mark+10 | John Deere Financial Captive finance | Oct 2023 |
74 | FTS Fernandina Beach | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | FIRST CORPORATE SOLUTIONS, AS REPRESENTATIVE Other | Oct 2023 |
74 | CAR Fernandina Beach | Equipment 41 mo old · peak window+35Active, no continuation+10 | ALLEGIANT PARTNERS INCORPORATED Other | May 2023 |
74 | JKW Fernandina Beach | Equipment 41 mo old · peak window+35Active, no continuation+10 | MAGNUS 123 TRUST Other | May 2023 |
73 | VIP Fernandina Beach | Construction 35 mo old · early+32Near the 36-month mark+7 | Caterpillar Financial Captive finance | Nov 2023 |
Nearby cities
- Lake City1,337
- Orange Park1,334
- Saint Augustine1,247
- St. Augustine1,137
- Ponte Vedra Beach704
- Middleburg702
- Green Cove Springs668
- Live Oak642
- Ponte Vedra454
- Fleming Island397
- Yulee292
- Callahan259
Questions
How many equipment loans are active in Fernandina Beach, FL?
How many equipment loans in Fernandina Beach, FL end in the next six months?
Which lenders finance the most equipment in Fernandina Beach, FL?
What equipment is financed most in Fernandina Beach, FL?
Is Fernandina Beach, 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.