Updated November 12, 2026
Equipment financing activity in Palm Bay, FL
Palm Bay has 1,330 active UCC filings for equipment across 871 businesses, about 1.5 per business, so repeat borrowers are common. 317 new filings were recorded in the last 12 months, up 17% on the year before. 301 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: Kubota Credit leads with 7%, followed by Caterpillar Financial at 6%.
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
+17% on the year before
New equipment filings by month
Palm Bay, FL, last 24 months. The current month is still coming in.
| 2024-12 | 20 |
|---|---|
| 2025-01 | 18 |
| 2025-02 | 23 |
| 2025-03 | 19 |
| 2025-04 | 26 |
| 2025-05 | 23 |
| 2025-06 | 27 |
| 2025-07 | 27 |
| 2025-08 | 26 |
| 2025-09 | 24 |
| 2025-10 | 21 |
| 2025-11 | 36 |
| 2025-12 | 27 |
| 2026-01 | 22 |
| 2026-02 | 23 |
| 2026-03 | 24 |
| 2026-04 | 24 |
| 2026-05 | 21 |
| 2026-06 | 25 |
| 2026-07 | 27 |
| 2026-08 | 33 |
| 2026-09 | 32 |
| 2026-10 | 32 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Kubota Credit49 · 7.2%Captive finance
- Caterpillar Financial41 · 6.0%Captive finance
- Bank
- John Deere Financial27 · 4.0%Captive finance
- Independent
- TD BANK, NATIONAL ASSOCIATION23 · 3.4%Bank
- DLL16 · 2.4%Independent
- JPMORGAN CHASE BANK, NA15 · 2.2%Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated1,192 · 89.6%
- Agriculture72 · 5.4%
- Construction60 · 4.5%
- Vehicles4 · 0.3%
- Manufacturing1 · 0.1%
- 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 |
|---|---|---|---|---|
84 | DRA Palm Bay | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | WELLS FARGO VENDOR FINANCIAL SERVICES, LLC Bank | Oct 2023 |
84 | SUP Palm Bay | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | Oct 2023 |
84 | MCC Palm Bay | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | NORTHLAND CAPITAL FINANCIAL SERVICES, LLC Independent | Oct 2022 |
81 | DRA Palm Bay | Equipment 37 mo old · peak window+35Near the 36-month mark+7 | WELLS FARGO VENDOR FINANCIAL SERVICES, LLC Bank | Sep 2023 |
79 | CHO Palm Bay | Agriculture 36 mo old · peak window+35Near the 36-month mark+10 | Kubota Credit Captive finance | Oct 2023 |
79 | RDR Palm Bay | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | QUANTUM 222 TRUST Other | Oct 2022 |
79 | CHO Palm Bay | Agriculture 48 mo old · peak window+35Near the 48-month mark+10 | Kubota Credit Captive finance | Oct 2022 |
79 | UP Palm Bay | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | GREENTREE CAPITAL LLC Independent | Oct 2022 |
Equipment types in Palm Bay
Nearby cities
- Melbourne2,789
- Vero Beach2,675
- Cocoa1,223
- Rockledge726
- Merritt Island552
- Sebastian372
- West Melbourne266
- Cocoa Beach256
- Indialantic186
- Satellite Beach184
- Fellsmere166
- Cape Canaveral166
Top lenders in Palm Bay
- Kubota Credit49
- Caterpillar Financial41
- WELLS FARGO VENDOR FINANCIAL SERVICES, LLC33
- John Deere Financial27
- WESTERN EQUIPMENT FINANCE, A DIVISION OF WESTERN STATE BANK27
- TD BANK, NATIONAL ASSOCIATION23
- DLL16
- JPMORGAN CHASE BANK, NA15
- BANK OF AMERICA, N.A.11
- SPACE COAST CREDIT UNION11
Questions
How many equipment loans are active in Palm Bay, FL?
How many equipment loans in Palm Bay, FL end in the next six months?
Which lenders finance the most equipment in Palm Bay, FL?
What equipment is financed most in Palm Bay, FL?
Is Palm Bay, 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.