Updated November 11, 2026
Equipment financing activity in Panama City, FL
Panama City has 2,150 active UCC filings for equipment across 1,347 businesses, about 1.6 per business, so repeat borrowers are common. 465 new filings were recorded in the last 12 months, down 9% on the year before. 548 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 25% of the book. The market is spread out: INNOVATIONS FINANCIAL CREDIT UNION leads with 7%, followed by Kubota Credit at 6%. Banks and credit unions hold 53%, 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
-9% on the year before
New equipment filings by month
Panama City, FL, last 24 months. The current month is still coming in.
| 2024-12 | 50 |
|---|---|
| 2025-01 | 41 |
| 2025-02 | 40 |
| 2025-03 | 44 |
| 2025-04 | 43 |
| 2025-05 | 38 |
| 2025-06 | 33 |
| 2025-07 | 39 |
| 2025-08 | 38 |
| 2025-09 | 45 |
| 2025-10 | 41 |
| 2025-11 | 52 |
| 2025-12 | 62 |
| 2026-01 | 44 |
| 2026-02 | 38 |
| 2026-03 | 44 |
| 2026-04 | 52 |
| 2026-05 | 29 |
| 2026-06 | 27 |
| 2026-07 | 26 |
| 2026-08 | 53 |
| 2026-09 | 42 |
| 2026-10 | 22 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- INNOVATIONS FINANCIAL CREDIT UNION88 · 6.5%Bank
- Kubota Credit79 · 5.9%Captive finance
- John Deere Financial69 · 5.1%Captive finance
- Bank
- SERVISFIRST BANK53 · 3.9%Bank
- Caterpillar Financial45 · 3.3%Captive finance
- Komatsu Financial40 · 3.0%Captive finance
- HANCOCK WHITNEY BANK32 · 2.4%Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated1,900 · 88.4%
- Construction143 · 6.7%
- Agriculture98 · 4.6%
- Manufacturing4 · 0.2%
- IT & office4 · 0.2%
- Vehicles1 · 0.0%
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 | BCL Panama City | Construction 36 mo old · peak window+35Near the 36-month mark+10 | John Deere Financial Captive finance | Nov 2023 |
94 | ROY Panama City | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Komatsu Financial Captive finance | Oct 2023 |
94 | EAR Panama City | Construction 48 mo old · peak window+35Near the 48-month mark+10 | Komatsu Financial Captive finance | Oct 2022 |
91 | MAI Panama City | Construction 37 mo old · peak window+35Near the 36-month mark+7 | John Deere Financial Captive finance | Sep 2023 |
88 | MAI Panama City | Construction 35 mo old · early+32Near the 36-month mark+7 | John Deere Financial Captive finance | Nov 2023 |
88 | BCL Panama City | Construction 38 mo old · peak window+35Near the 36-month mark+4 | John Deere Financial Captive finance | Aug 2023 |
86 | B & Panama City | Construction 39 mo old · peak window+35Near the 36-month mark+2 | John Deere Financial Captive finance | Jul 2023 |
86 | ROY Panama City | Construction 45 mo old · peak window+35Near the 48-month mark+2 | John Deere Financial Captive finance | Jan 2023 |
Equipment types in Panama City
Nearby cities
- Panama City Beach973
- Santa Rosa Beach889
- Freeport409
- Marianna396
- Defuniak Springs361
- Lynn Haven357
- Chipley356
- Bonifay182
- Cottondale127
- Inlet Beach124
- Port Saint Joe111
- Graceville102
Top lenders in Panama City
- INNOVATIONS FINANCIAL CREDIT UNION88
- Kubota Credit79
- John Deere Financial69
- WELLS FARGO VENDOR FINANCIAL SERVICES, LLC56
- SERVISFIRST BANK53
- Caterpillar Financial45
- Komatsu Financial40
- HANCOCK WHITNEY BANK32
- INNOVATIONS FEDERAL CREDIT UNION32
- COMMUNITY BANK OF MISSISSIPPI29
Questions
How many equipment loans are active in Panama City, FL?
How many equipment loans in Panama City, FL end in the next six months?
Which lenders finance the most equipment in Panama City, FL?
What equipment is financed most in Panama City, FL?
Is Panama 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.