Updated November 11, 2026
Equipment financing activity in Lake City, FL
Lake City has 1,337 active UCC filings for equipment across 707 businesses, about 1.9 per business, so repeat borrowers are common. 270 new filings were recorded in the last 12 months, down 11% on the year before. 328 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 25% of the book. The market is spread out: Kubota Credit leads with 8%, followed by HUNTINGTON TECHNOLOGY FINANCE, A DIVISION OF THE HUNTINGTON NATIONAL BAN at 7%. Agriculture is the largest equipment type, at 12%. Banks and credit unions hold 44%, 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
Lake City, FL, last 24 months. The current month is still coming in.
| 2024-12 | 43 |
|---|---|
| 2025-01 | 19 |
| 2025-02 | 12 |
| 2025-03 | 25 |
| 2025-04 | 22 |
| 2025-05 | 23 |
| 2025-06 | 24 |
| 2025-07 | 20 |
| 2025-08 | 30 |
| 2025-09 | 27 |
| 2025-10 | 31 |
| 2025-11 | 24 |
| 2025-12 | 27 |
| 2026-01 | 15 |
| 2026-02 | 9 |
| 2026-03 | 14 |
| 2026-04 | 24 |
| 2026-05 | 24 |
| 2026-06 | 34 |
| 2026-07 | 31 |
| 2026-08 | 40 |
| 2026-09 | 19 |
| 2026-10 | 21 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Kubota Credit67 · 7.7%Captive finance
- Independent
- John Deere Financial59 · 6.8%Captive finance
- Caterpillar Financial36 · 4.1%Captive finance
- MILLENNIUM BANK35 · 4.0%Bank
- CAMPUS USA CREDIT UNION32 · 3.7%Bank
- SEACOAST NATIONAL BANK27 · 3.1%Bank
- FIRST FEDERAL BANK26 · 3.0%Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated1,101 · 82.3%
- Agriculture162 · 12.1%
- Construction67 · 5.0%
- Manufacturing3 · 0.2%
- Trucks & trailers2 · 0.1%
- IT & office1 · 0.1%
- Vehicles1 · 0.1%
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 | EVA Lake City | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | Oct 2023 |
89 | CHA Lake City | Construction 49 mo old · late window+33Near the 48-month mark+7 | John Deere Financial Captive finance | Sep 2022 |
89 | GRE Lake City | Agriculture 49 mo old · late window+33Near the 48-month mark+7 | John Deere Financial Captive finance | Sep 2022 |
89 | GRE Lake City | Agriculture 49 mo old · late window+33Near the 48-month mark+7 | John Deere Financial Captive finance | Sep 2022 |
84 | AND Lake City | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | GREATAMERICA FINANCIAL SERVICES CORPORATION Independent | Oct 2023 |
84 | CRE Lake City | Construction 50 mo old · late window+31Near the 48-month mark+4 | Caterpillar Financial Captive finance | Aug 2022 |
82 | TRI Lake City | Construction 34 mo old · early+29Near the 36-month mark+4 | Caterpillar Financial Captive finance | Dec 2023 |
81 | RQL Lake City | Equipment 47 mo old · peak window+35Near the 48-month mark+7 | MILLSTONE FUNDING INC Independent | Nov 2022 |
Equipment types in Lake City
Nearby cities
- Orange Park1,334
- Saint Augustine1,247
- St. Augustine1,137
- Ponte Vedra Beach704
- Middleburg702
- Green Cove Springs668
- Live Oak642
- Fernandina Beach521
- Ponte Vedra454
- Fleming Island397
- Yulee292
- Callahan259
Questions
How many equipment loans are active in Lake City, FL?
How many equipment loans in Lake City, FL end in the next six months?
Which lenders finance the most equipment in Lake City, FL?
What equipment is financed most in Lake City, FL?
Is Lake City, 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.