Updated November 11, 2026
Construction equipment loans in Gainesville, FL
Gainesville has 51 active UCC filings for construction equipment across 27 businesses, about 1.9 per business, so repeat borrowers are common. 9 new filings were recorded in the last 12 months, down 50% on the year before. 10 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. John Deere Financial dominates with 45% 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
-50% on the year before
New equipment filings by month
Gainesville, FL, last 24 months. The current month is still coming in.
| 2024-12 | 0 |
|---|---|
| 2025-01 | 4 |
| 2025-02 | 2 |
| 2025-03 | 1 |
| 2025-04 | 0 |
| 2025-05 | 2 |
| 2025-06 | 1 |
| 2025-07 | 2 |
| 2025-08 | 0 |
| 2025-09 | 0 |
| 2025-10 | 0 |
| 2025-11 | 3 |
| 2025-12 | 0 |
| 2026-01 | 1 |
| 2026-02 | 1 |
| 2026-03 | 2 |
| 2026-04 | 2 |
| 2026-05 | 0 |
| 2026-06 | 1 |
| 2026-07 | 0 |
| 2026-08 | 0 |
| 2026-09 | 0 |
| 2026-10 | 1 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- John Deere Financial23 · 45.1%Captive finance
- Caterpillar Financial20 · 39.2%Captive finance
- JCB FINANCE7 · 13.7%Captive finance
- Vermeer Credit1 · 2.0%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 |
|---|---|---|---|---|
84 | MCD Gainesville | Construction 41 mo old · peak window+35Active, no continuation+10 | Caterpillar Financial Captive finance | May 2023 |
80 | FLO Gainesville | Construction 51 mo old · late window+29Near the 48-month mark+2 | John Deere Financial Captive finance | Jul 2022 |
74 | FLO Gainesville | Construction 53 mo old · late window+25Active, no continuation+10 | John Deere Financial Captive finance | May 2022 |
72 | FLO Gainesville | Construction 54 mo old · late window+23Active, no continuation+10 | John Deere Financial Captive finance | Apr 2022 |
69 | ARK Gainesville | Construction 40 mo old · peak window+35Active, no continuation+10 | JCB FINANCE Captive finance | Jun 2023 |
69 | ARK Gainesville | Construction 42 mo old · peak window+35Active, no continuation+10 | JCB FINANCE Captive finance | Apr 2023 |
69 | ARK Gainesville | Construction 43 mo old · peak window+35Active, no continuation+10 | JCB FINANCE Captive finance | Mar 2023 |
62 | KIT Gainesville | Construction 33 mo old · early+26Near the 36-month mark+2 | JCB FINANCE Captive finance | Jan 2024 |
Construction in nearby cities
- Construction in Williston26
- Construction in Newberry28
- Construction in Trenton41
- Construction in High Springs32
Top lenders here
Questions
How many construction equipment loans are active in Gainesville, FL?
How many construction equipment loans in Gainesville, FL end in the next six months?
Which lenders finance the most construction equipment in Gainesville, FL?
Is Gainesville, 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.