Updated November 11, 2026
Equipment financing activity in Saint Cloud, FL
Saint Cloud has 1,569 active UCC filings for equipment across 974 businesses, about 1.6 per business, so repeat borrowers are common. 355 new filings were recorded in the last 12 months, up 18% on the year before. 395 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: Kubota Credit leads with 17%, followed by John Deere Financial at 9%. Agriculture is the largest equipment type, at 14%. Captive finance arms of the manufacturers write 40% 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
+18% on the year before
New equipment filings by month
Saint Cloud, FL, last 24 months. The current month is still coming in.
| 2024-12 | 25 |
|---|---|
| 2025-01 | 27 |
| 2025-02 | 24 |
| 2025-03 | 23 |
| 2025-04 | 24 |
| 2025-05 | 23 |
| 2025-06 | 23 |
| 2025-07 | 33 |
| 2025-08 | 26 |
| 2025-09 | 23 |
| 2025-10 | 31 |
| 2025-11 | 30 |
| 2025-12 | 31 |
| 2026-01 | 25 |
| 2026-02 | 29 |
| 2026-03 | 32 |
| 2026-04 | 36 |
| 2026-05 | 27 |
| 2026-06 | 32 |
| 2026-07 | 27 |
| 2026-08 | 45 |
| 2026-09 | 21 |
| 2026-10 | 24 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Kubota Credit140 · 16.9%Captive finance
- John Deere Financial73 · 8.8%Captive finance
- Caterpillar Financial73 · 8.8%Captive finance
- JPMORGAN CHASE BANK, NA31 · 3.8%Bank
- Komatsu Financial30 · 3.6%Captive finance
- Independent
- DLL15 · 1.8%Independent
- Independent
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated1,230 · 78.4%
- Agriculture212 · 13.5%
- Construction125 · 8.0%
- Vehicles1 · 0.1%
- Medical1 · 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 |
|---|---|---|---|---|
94 | PC Saint Cloud | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | Oct 2023 |
94 | PAT Saint Cloud | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | Oct 2023 |
94 | RAY Saint Cloud | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | Oct 2023 |
91 | SUP Saint Cloud | Construction 37 mo old · peak window+35Near the 36-month mark+7 | John Deere Financial Captive finance | Sep 2023 |
91 | JCS Saint Cloud | Agriculture 37 mo old · peak window+35Near the 36-month mark+7 | Kubota Credit Captive finance | Sep 2023 |
91 | PAT Saint Cloud | Construction 47 mo old · peak window+35Near the 48-month mark+7 | Caterpillar Financial Captive finance | Nov 2022 |
88 | PAT Saint Cloud | Construction 35 mo old · early+32Near the 36-month mark+7 | Caterpillar Financial Captive finance | Nov 2023 |
88 | PAT Saint Cloud | Construction 35 mo old · early+32Near the 36-month mark+7 | Caterpillar Financial Captive finance | Nov 2023 |
Equipment types in Saint Cloud
Nearby cities
- Kissimmee6,211
- Winter Garden2,237
- Clermont1,853
- Leesburg1,096
- Windermere1,056
- Ocoee1,034
- Groveland606
- Wildwood533
- St. Cloud294
- Celebration259
- Oakland256
- Minneola248
Top lenders in Saint Cloud
- Kubota Credit140
- John Deere Financial73
- Caterpillar Financial73
- JPMORGAN CHASE BANK, NA31
- Komatsu Financial30
- ADVANTAFIRST CAPITAL FINANCIAL SERVICES LLC22
- DLL15
- GREATAMERICA FINANCIAL SERVICES CORPORATION14
- SOUTHSTATE BANK, N.A.14
- WELLS FARGO VENDOR FINANCIAL SERVICES, LLC10
Questions
How many equipment loans are active in Saint Cloud, FL?
How many equipment loans in Saint Cloud, FL end in the next six months?
Which lenders finance the most equipment in Saint Cloud, FL?
What equipment is financed most in Saint Cloud, FL?
Is Saint Cloud, 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.