Updated November 11, 2026
Equipment financing activity in Panama City Beach, FL
Panama City Beach has 973 active UCC filings for equipment across 677 businesses. 239 new filings were recorded in the last 12 months, up 24% on the year before. 258 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 27% of the book. The market is spread out: INNOVATIONS FINANCIAL CREDIT UNION leads with 7%, followed by SERVISFIRST BANK at 4%. Banks and credit unions hold 65%, 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
Panama City Beach, FL, last 24 months. The current month is still coming in.
| 2024-12 | 25 |
|---|---|
| 2025-01 | 21 |
| 2025-02 | 17 |
| 2025-03 | 12 |
| 2025-04 | 10 |
| 2025-05 | 18 |
| 2025-06 | 9 |
| 2025-07 | 8 |
| 2025-08 | 15 |
| 2025-09 | 20 |
| 2025-10 | 23 |
| 2025-11 | 17 |
| 2025-12 | 39 |
| 2026-01 | 24 |
| 2026-02 | 21 |
| 2026-03 | 16 |
| 2026-04 | 32 |
| 2026-05 | 10 |
| 2026-06 | 10 |
| 2026-07 | 14 |
| 2026-08 | 28 |
| 2026-09 | 11 |
| 2026-10 | 20 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- INNOVATIONS FINANCIAL CREDIT UNION44 · 7.4%Bank
- SERVISFIRST BANK21 · 3.5%Bank
- COMMUNITY BANK OF MISSISSIPPI21 · 3.5%Bank
- HANCOCK WHITNEY BANK18 · 3.0%Bank
- TRUSTMARK NATIONAL BANK17 · 2.9%Bank
- INNOVATIONS FEDERAL CREDIT UNION15 · 2.5%Bank
- PEOPLESSOUTH BANK14 · 2.4%Bank
- Kubota Credit11 · 1.8%Captive finance
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated943 · 96.9%
- Construction17 · 1.7%
- Agriculture12 · 1.2%
- Vehicles1 · 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 |
|---|---|---|---|---|
79 | THE Panama City Beach | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | QUANTUM 222 TRUST Other | Oct 2022 |
76 | ELI Panama City Beach | Equipment 37 mo old · peak window+35Near the 36-month mark+7 | MID ATLANTIC FINANCE COMPANY INC Independent | Sep 2023 |
76 | ELI Panama City Beach | Equipment 37 mo old · peak window+35Near the 36-month mark+7 | ACV CAPITAL LLC Independent | Sep 2023 |
74 | EDG Panama City Beach | Equipment 41 mo old · peak window+35Active, no continuation+10 | DLL Independent | May 2023 |
73 | BRA Panama City Beach | Equipment 46 mo old · peak window+35Near the 48-month mark+4 | INNOVATIONS FINANCIAL CREDIT UNION Bank | Dec 2022 |
71 | BK Panama City Beach | Construction 39 mo old · peak window+35Near the 36-month mark+2 | JCB FINANCE Captive finance | Jul 2023 |
69 | EDG Panama City Beach | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | DLL Independent | Oct 2023 |
69 | AQU Panama City Beach | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | C T CORPORATION SYSTEM, AS REPRESENTATIVE Other | Oct 2022 |
Nearby cities
- Panama City2,150
- Santa Rosa Beach889
- Freeport409
- Marianna396
- Defuniak Springs361
- Lynn Haven357
- Chipley356
- Bonifay182
- Cottondale127
- Inlet Beach124
- Port Saint Joe111
- Graceville102
Questions
How many equipment loans are active in Panama City Beach, FL?
How many equipment loans in Panama City Beach, FL end in the next six months?
Which lenders finance the most equipment in Panama City Beach, FL?
What equipment is financed most in Panama City Beach, FL?
Is Panama City Beach, 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.