Updated November 11, 2026
Construction equipment loans in Lake City, FL
Lake City has 67 active UCC filings for construction equipment across 32 businesses, about 2.1 per business, so repeat borrowers are common. 17 new filings were recorded in the last 12 months, up 143% on the year before. 16 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. Caterpillar Financial dominates with 54% 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
+143% on the year before
New equipment filings by month
Lake City, FL, last 24 months. The current month is still coming in.
| 2024-12 | 1 |
|---|---|
| 2025-01 | 0 |
| 2025-02 | 0 |
| 2025-03 | 1 |
| 2025-04 | 1 |
| 2025-05 | 0 |
| 2025-06 | 1 |
| 2025-07 | 0 |
| 2025-08 | 1 |
| 2025-09 | 0 |
| 2025-10 | 0 |
| 2025-11 | 2 |
| 2025-12 | 1 |
| 2026-01 | 2 |
| 2026-02 | 0 |
| 2026-03 | 0 |
| 2026-04 | 1 |
| 2026-05 | 0 |
| 2026-06 | 4 |
| 2026-07 | 1 |
| 2026-08 | 3 |
| 2026-09 | 2 |
| 2026-10 | 3 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Caterpillar Financial36 · 53.7%Captive finance
- John Deere Financial12 · 17.9%Captive finance
- JCB FINANCE8 · 11.9%Captive finance
- Komatsu Financial8 · 11.9%Captive finance
- Vermeer Credit3 · 4.5%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 |
|---|---|---|---|---|
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 |
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 |
79 | CRE Lake City | Construction 50 mo old · late window+31Near the 48-month mark+4 | Komatsu Financial Captive finance | Aug 2022 |
77 | TRI Lake City | Construction 33 mo old · early+26Near the 36-month mark+2 | Caterpillar Financial Captive finance | Jan 2024 |
77 | TRI Lake City | Construction 33 mo old · early+26Near the 36-month mark+2 | Caterpillar Financial Captive finance | Jan 2024 |
76 | HOL Lake City | Construction 39 mo old · peak window+35Near the 36-month mark+2 | Caterpillar Financial Captive finance | Jul 2023 |
Construction in nearby cities
- Construction in Orange Park76
- Construction in Saint Augustine138
- Construction in St. Augustine32
- Construction in Middleburg70
- Construction in Green Cove Springs114
- Construction in Live Oak30
- Construction in Ponte Vedra29
- Construction in Callahan33
- Construction in Macclenny43
- Construction in Starke32
Top lenders here
Questions
How many construction equipment loans are active in Lake City, FL?
How many construction equipment loans in Lake City, FL end in the next six months?
Which lenders finance the most construction equipment 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.