Updated November 11, 2026
Equipment financing activity in Jay, FL
Jay has 209 active UCC filings for equipment across 94 businesses, about 2.2 per business, so repeat borrowers are common. 74 new filings were recorded in the last 12 months, up 64% on the year before. 40 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 19% of the book. John Deere Financial dominates with 36% of active filings. Agriculture is the largest equipment type, at 35%. Captive finance arms of the manufacturers write 44% 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
+64% on the year before
New equipment filings by month
Jay, FL, last 24 months. The current month is still coming in.
| 2024-12 | 4 |
|---|---|
| 2025-01 | 4 |
| 2025-02 | 7 |
| 2025-03 | 4 |
| 2025-04 | 3 |
| 2025-05 | 7 |
| 2025-06 | 4 |
| 2025-07 | 2 |
| 2025-08 | 3 |
| 2025-09 | 4 |
| 2025-10 | 1 |
| 2025-11 | 5 |
| 2025-12 | 3 |
| 2026-01 | 7 |
| 2026-02 | 8 |
| 2026-03 | 7 |
| 2026-04 | 6 |
| 2026-05 | 3 |
| 2026-06 | 11 |
| 2026-07 | 12 |
| 2026-08 | 6 |
| 2026-09 | 4 |
| 2026-10 | 3 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- John Deere Financial64 · 35.8%Captive finance
- UNITED BANK37 · 20.7%Bank
- Bank
- Bank
- DLL8 · 4.5%Independent
- Caterpillar Financial8 · 4.5%Captive finance
- Kubota Credit5 · 2.8%Captive finance
- SERVISFIRST BANK3 · 1.7%Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated114 · 54.5%
- Agriculture73 · 34.9%
- Construction22 · 10.5%
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 |
|---|---|---|---|---|
91 | KIL Jay | Agriculture 37 mo old · peak window+35Near the 36-month mark+7 | FARM CREDIT OF NORTHWEST FLORIDA, ACA Bank | Sep 2023 |
84 | SMI Jay | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | DLL Independent | Oct 2022 |
78 | BAX Jay | Equipment 46 mo old · peak window+35Near the 48-month mark+4 | C T CORPORATION SYSTEM, AS REPRESENTATIVE Other | Dec 2022 |
76 | KIL Jay | Equipment 45 mo old · peak window+35Near the 48-month mark+2 | UNITED BANK Bank | Jan 2023 |
67 | SEC Jay | Agriculture 30 mo old · early+18Active, no continuation+10 | Kubota Credit Captive finance | Apr 2024 |
66 | DEW Jay | Equipment 39 mo old · peak window+35Near the 36-month mark+2 | WELLS FARGO FINANCIAL LEASING, INC. Bank | Aug 2023 |
64 | KIL Jay | Agriculture 36 mo old · peak window+35Moved to another lender Jul 2024 | John Deere Financial Captive finance | Oct 2023 |
64 | PAT Jay | Equipment 43 mo old · peak window+35Active, no continuation+10 | CORPORATION SERVICE COMPANY, AS REPRESENTATIVE Other | Mar 2023 |
Equipment types in Jay
Nearby cities
- Pensacola4,405
- Milton1,079
- Destin997
- Fort Walton Beach980
- Gulf Breeze680
- Crestview590
- Miramar Beach513
- Navarre480
- Niceville469
- Cantonment424
- Pace324
- Baker163
Questions
How many equipment loans are active in Jay, FL?
How many equipment loans in Jay, FL end in the next six months?
Which lenders finance the most equipment in Jay, FL?
What equipment is financed most in Jay, FL?
Is Jay, 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.