Updated November 12, 2026
Construction equipment loans in Lakeland, FL
Lakeland has 156 active UCC filings for construction equipment across 75 businesses, about 2.1 per business, so repeat borrowers are common. 42 new filings were recorded in the last 12 months, down 13% on the year before. 27 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 17% of the book. Caterpillar Financial dominates with 47% 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
-12% on the year before
New equipment filings by month
Lakeland, FL, last 24 months. The current month is still coming in.
| 2024-12 | 3 |
|---|---|
| 2025-01 | 2 |
| 2025-02 | 3 |
| 2025-03 | 1 |
| 2025-04 | 0 |
| 2025-05 | 6 |
| 2025-06 | 2 |
| 2025-07 | 5 |
| 2025-08 | 8 |
| 2025-09 | 9 |
| 2025-10 | 4 |
| 2025-11 | 4 |
| 2025-12 | 10 |
| 2026-01 | 2 |
| 2026-02 | 3 |
| 2026-03 | 5 |
| 2026-04 | 3 |
| 2026-05 | 3 |
| 2026-06 | 2 |
| 2026-07 | 3 |
| 2026-08 | 2 |
| 2026-09 | 4 |
| 2026-10 | 2 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Caterpillar Financial73 · 46.8%Captive finance
- John Deere Financial41 · 26.3%Captive finance
- Komatsu Financial33 · 21.2%Captive finance
- JCB FINANCE9 · 5.8%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 |
|---|---|---|---|---|
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 | ROG Lakeland | Construction 37 mo old · peak window+35Near the 36-month mark+7 | Komatsu Financial Captive finance | Sep 2023 |
88 | SOU Lakeland | Construction 35 mo old · early+32Near the 36-month mark+7 | Komatsu Financial Captive finance | Nov 2023 |
88 | MID Lakeland | Construction 35 mo old · early+32Near the 36-month mark+7 | Caterpillar Financial Captive finance | Nov 2023 |
88 | ROG Lakeland | Construction 38 mo old · peak window+35Near the 36-month mark+4 | Komatsu Financial Captive finance | Aug 2023 |
88 | RES Lakeland | Construction 46 mo old · peak window+35Near the 48-month mark+4 | Caterpillar Financial Captive finance | Dec 2022 |
Construction in nearby cities
- Construction in Winter Haven82
- Construction in Davenport30
- Construction in Sebring40
- Construction in Haines City26
- Construction in Bartow51
- Construction in Wauchula32
Top lenders here
Questions
How many construction equipment loans are active in Lakeland, FL?
How many construction equipment loans in Lakeland, FL end in the next six months?
Which lenders finance the most construction equipment 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 12, 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.