Updated November 11, 2026
Construction equipment loans in Panama City, FL
Panama City has 143 active UCC filings for construction equipment across 53 businesses, about 2.7 per business, so repeat borrowers are common. 31 new filings were recorded in the last 12 months, down 42% on the year before. 35 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 24% of the book. John Deere Financial dominates with 38% 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
-42% on the year before
New equipment filings by month
Panama City, FL, last 24 months. The current month is still coming in.
| 2024-12 | 7 |
|---|---|
| 2025-01 | 4 |
| 2025-02 | 2 |
| 2025-03 | 9 |
| 2025-04 | 6 |
| 2025-05 | 7 |
| 2025-06 | 0 |
| 2025-07 | 6 |
| 2025-08 | 2 |
| 2025-09 | 5 |
| 2025-10 | 2 |
| 2025-11 | 1 |
| 2025-12 | 5 |
| 2026-01 | 5 |
| 2026-02 | 5 |
| 2026-03 | 1 |
| 2026-04 | 2 |
| 2026-05 | 2 |
| 2026-06 | 2 |
| 2026-07 | 3 |
| 2026-08 | 2 |
| 2026-09 | 1 |
| 2026-10 | 2 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- John Deere Financial55 · 38.5%Captive finance
- Caterpillar Financial45 · 31.5%Captive finance
- Komatsu Financial40 · 28.0%Captive finance
- JCB FINANCE3 · 2.1%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 |
|---|---|---|---|---|
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 |
Construction in nearby cities
- Construction in Santa Rosa Beach35
- Construction in Freeport58
- Construction in Defuniak Springs28
- Construction in Lynn Haven48
- Construction in Chipley45
- Construction in Southport29
Top lenders here
Questions
How many construction equipment loans are active in Panama City, FL?
How many construction equipment loans in Panama City, FL end in the next six months?
Which lenders finance the most construction equipment 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.