Updated November 11, 2026
Equipment financing activity in Land O Lakes, FL
Land O Lakes has 717 active UCC filings for equipment across 471 businesses, about 1.5 per business, so repeat borrowers are common. 181 new filings were recorded in the last 12 months, up 24% on the year before. 168 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 23% of the book. The market is spread out: Caterpillar Financial leads with 9%, followed by Komatsu Financial at 9%. Construction is the largest equipment type, at 11%. Banks and credit unions hold 43%, 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
+24% on the year before
New equipment filings by month
Land O Lakes, FL, last 24 months. The current month is still coming in.
| 2024-12 | 9 |
|---|---|
| 2025-01 | 16 |
| 2025-02 | 10 |
| 2025-03 | 14 |
| 2025-04 | 4 |
| 2025-05 | 6 |
| 2025-06 | 18 |
| 2025-07 | 15 |
| 2025-08 | 17 |
| 2025-09 | 13 |
| 2025-10 | 20 |
| 2025-11 | 12 |
| 2025-12 | 16 |
| 2026-01 | 13 |
| 2026-02 | 9 |
| 2026-03 | 14 |
| 2026-04 | 9 |
| 2026-05 | 15 |
| 2026-06 | 25 |
| 2026-07 | 8 |
| 2026-08 | 33 |
| 2026-09 | 10 |
| 2026-10 | 18 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Caterpillar Financial35 · 9.0%Captive finance
- Komatsu Financial35 · 9.0%Captive finance
- Kubota Credit18 · 4.6%Captive finance
- JPMORGAN CHASE BANK, NA16 · 4.1%Bank
- John Deere Financial13 · 3.3%Captive finance
- BANK OF AMERICA, N.A.11 · 2.8%Bank
- NAVITAS CREDIT LLC8 · 2.1%Independent
- GTE FEDERAL CREDIT UNION8 · 2.1%Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated609 · 84.9%
- Construction82 · 11.4%
- Agriculture25 · 3.5%
- IT & office1 · 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 |
|---|---|---|---|---|
88 | B.R Land O Lakes | Construction 38 mo old · peak window+35Near the 36-month mark+4 | Caterpillar Financial Captive finance | Aug 2023 |
88 | B.R Land O Lakes | Construction 46 mo old · peak window+35Near the 48-month mark+4 | Caterpillar Financial Captive finance | Dec 2022 |
86 | SOU Land O Lakes | Construction 39 mo old · peak window+35Near the 36-month mark+2 | John Deere Financial Captive finance | Jul 2023 |
86 | B.R Land O Lakes | Construction 45 mo old · peak window+35Near the 48-month mark+2 | Caterpillar Financial Captive finance | Jan 2023 |
84 | KOM Land O Lakes | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | NORTH MILL CREDIT TRUST Independent | Oct 2023 |
84 | B.R Land O Lakes | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Komatsu Financial Captive finance | Oct 2023 |
84 | B.R Land O Lakes | Construction 40 mo old · peak window+35Active, no continuation+10 | Caterpillar Financial Captive finance | Jun 2023 |
80 | SOU Land O Lakes | Construction 51 mo old · late window+29Near the 48-month mark+2 | John Deere Financial Captive finance | Jul 2022 |
Equipment types in Land O Lakes
Nearby cities
- Spring Hill1,511
- New Port Richey1,392
- Brooksville1,262
- Palm Harbor1,186
- Hudson943
- Oldsmar767
- Tarpon Springs747
- Dunedin612
- Port Richey562
- Holiday392
- Safety Harbor299
- Trinity222
Questions
How many equipment loans are active in Land O Lakes, FL?
How many equipment loans in Land O Lakes, FL end in the next six months?
Which lenders finance the most equipment in Land O Lakes, FL?
What equipment is financed most in Land O Lakes, FL?
Is Land O Lakes, 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.