Updated November 11, 2026
Equipment financing activity in Lakeland, FL
Lakeland has 5,082 active UCC filings for equipment across 3,065 businesses, about 1.7 per business, so repeat borrowers are common. New filings held steady over the last 12 months at 1,073. 1,205 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. The market is spread out: BANK OF CENTRAL FLORIDA leads with 5%, followed by Kubota Credit at 5%. Banks and credit unions hold 48%, 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
-4% on the year before
New equipment filings by month
Lakeland, FL, last 24 months. The current month is still coming in.
| 2024-12 | 93 |
|---|---|
| 2025-01 | 92 |
| 2025-02 | 51 |
| 2025-03 | 104 |
| 2025-04 | 107 |
| 2025-05 | 82 |
| 2025-06 | 118 |
| 2025-07 | 100 |
| 2025-08 | 114 |
| 2025-09 | 92 |
| 2025-10 | 88 |
| 2025-11 | 141 |
| 2025-12 | 114 |
| 2026-01 | 76 |
| 2026-02 | 66 |
| 2026-03 | 84 |
| 2026-04 | 83 |
| 2026-05 | 65 |
| 2026-06 | 83 |
| 2026-07 | 100 |
| 2026-08 | 113 |
| 2026-09 | 89 |
| 2026-10 | 89 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- BANK OF CENTRAL FLORIDA160 · 5.4%Bank
- Kubota Credit151 · 5.1%Captive finance
- John Deere Financial122 · 4.1%Captive finance
- CITIZENS BANK & TRUST120 · 4.1%Bank
- MIDFLORIDA CREDIT UNION108 · 3.7%Bank
- SOUTHSTATE BANK, N.A.85 · 2.9%Bank
- Caterpillar Financial73 · 2.5%Captive finance
- DLL60 · 2.0%Independent
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated4,562 · 89.8%
- Agriculture268 · 5.3%
- Construction156 · 3.1%
- Manufacturing53 · 1.0%
- IT & office36 · 0.7%
- Vehicles7 · 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 | SIN Lakeland | Agriculture 48 mo old · peak window+35Near the 48-month mark+10 | Kubota Credit Captive finance | Oct 2022 |
91 | HYB Lakeland | Construction 37 mo old · peak window+35Near the 36-month mark+7 | Caterpillar Financial Captive finance | Sep 2023 |
91 | TAY Lakeland | Construction 37 mo old · peak window+35Near the 36-month mark+7 | Caterpillar Financial Captive finance | Sep 2023 |
91 | WAT Lakeland | Construction 37 mo old · peak window+35Near the 36-month mark+7 | JCB FINANCE Captive finance | Sep 2023 |
91 | CAR Lakeland | Agriculture 37 mo old · peak window+35Near the 36-month mark+7 | Kubota Credit Captive finance | Sep 2023 |
91 | ROG Lakeland | Construction 37 mo old · peak window+35Near the 36-month mark+7 | Komatsu Financial Captive finance | Sep 2023 |
89 | SMI Lakeland | Agriculture 49 mo old · late window+33Near the 48-month mark+7 | John Deere Financial Captive finance | Sep 2022 |
88 | SOU Lakeland | Construction 35 mo old · early+32Near the 36-month mark+7 | Komatsu Financial Captive finance | Nov 2023 |
Equipment types in Lakeland
Nearby cities
- Winter Haven1,942
- Davenport1,725
- Sebring956
- Haines City825
- Lake Wales720
- Auburndale632
- Bartow604
- Lake Placid391
- Mulberry378
- Wauchula348
- Avon Park343
- Polk City193
Questions
How many equipment loans are active in Lakeland, FL?
How many equipment loans in Lakeland, FL end in the next six months?
Which lenders finance the most equipment in Lakeland, FL?
What equipment is financed most in Lakeland, FL?
Is Lakeland, 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.