Updated November 11, 2026
Equipment financing activity in Key West, FL
Key West has 888 active UCC filings for equipment across 582 businesses, about 1.5 per business, so repeat borrowers are common. 209 new filings were recorded in the last 12 months, up 19% on the year before. 199 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 22% of the book. The market is spread out: FIRST STATE BANK OF THE FLORIDA KEYS leads with 12%, followed by GULF ATLANTIC BANK at 6%. Banks and credit unions hold 61%, 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
+19% on the year before
New equipment filings by month
Key West, FL, last 24 months. The current month is still coming in.
| 2024-12 | 18 |
|---|---|
| 2025-01 | 17 |
| 2025-02 | 11 |
| 2025-03 | 15 |
| 2025-04 | 18 |
| 2025-05 | 11 |
| 2025-06 | 18 |
| 2025-07 | 11 |
| 2025-08 | 16 |
| 2025-09 | 13 |
| 2025-10 | 14 |
| 2025-11 | 35 |
| 2025-12 | 21 |
| 2026-01 | 8 |
| 2026-02 | 11 |
| 2026-03 | 12 |
| 2026-04 | 17 |
| 2026-05 | 11 |
| 2026-06 | 17 |
| 2026-07 | 17 |
| 2026-08 | 29 |
| 2026-09 | 17 |
| 2026-10 | 16 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- FIRST STATE BANK OF THE FLORIDA KEYS63 · 12.0%Bank
- GULF ATLANTIC BANK33 · 6.3%Bank
- Kubota Credit29 · 5.5%Captive finance
- CENTENNIAL BANK25 · 4.8%Bank
- EAGLEBANK25 · 4.8%Bank
- DLL24 · 4.6%Independent
- TRUIST BANK21 · 4.0%Bank
- Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated840 · 94.6%
- Agriculture36 · 4.1%
- Construction7 · 0.8%
- IT & office3 · 0.3%
- Vehicles2 · 0.2%
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 | KEY Key West | Construction 48 mo old · peak window+35Near the 48-month mark+10 | Caterpillar Financial Captive finance | Oct 2022 |
84 | CHA Key West | Construction 44 mo old · peak window+35Active, no continuation+10 | John Deere Financial Captive finance | Feb 2023 |
82 | CHA Key West | Construction 34 mo old · early+29Near the 36-month mark+4 | John Deere Financial Captive finance | Dec 2023 |
79 | F.M Key West | Agriculture 36 mo old · peak window+35Near the 36-month mark+10 | Kubota Credit Captive finance | Oct 2023 |
79 | F.M Key West | Agriculture 36 mo old · peak window+35Near the 36-month mark+10 | Kubota Credit Captive finance | Oct 2023 |
79 | KEY Key West | Vehicles 36 mo old · peak window+35Near the 36-month mark+10 | NISSAN MOTOR ACCEPTANCE COMPANY LLC Captive finance | Oct 2023 |
79 | MEM Key West | Agriculture 36 mo old · peak window+35Near the 36-month mark+10 | Kubota Credit Captive finance | Oct 2023 |
79 | ECI Key West | Agriculture 36 mo old · peak window+35Near the 36-month mark+10 | Kubota Credit Captive finance | Oct 2023 |
Equipment types in Key West
Nearby cities
- Hialeah9,219
- Hollywood5,728
- Pompano Beach5,325
- Homestead4,211
- Coral Springs3,087
- Miramar2,789
- Pembroke Pines2,673
- Miami Lakes1,937
- Miami Gardens1,936
- Margate1,169
- Hallandale Beach1,154
- Coconut Creek1,042
Questions
How many equipment loans are active in Key West, FL?
How many equipment loans in Key West, FL end in the next six months?
Which lenders finance the most equipment in Key West, FL?
What equipment is financed most in Key West, FL?
Is Key West, 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.