Updated November 11, 2026
Agriculture equipment loans in Saint Cloud, FL
Saint Cloud has 212 active UCC filings for farm equipment across 127 businesses, about 1.7 per business, so repeat borrowers are common. New filings held steady over the last 12 months at 55. 41 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 19% of the book. Kubota Credit dominates with 66% of active filings. Captive finance arms of the manufacturers write 97% 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
+2% on the year before
New equipment filings by month
Saint Cloud, FL, last 24 months. The current month is still coming in.
| 2024-12 | 4 |
|---|---|
| 2025-01 | 2 |
| 2025-02 | 4 |
| 2025-03 | 4 |
| 2025-04 | 1 |
| 2025-05 | 7 |
| 2025-06 | 3 |
| 2025-07 | 11 |
| 2025-08 | 9 |
| 2025-09 | 4 |
| 2025-10 | 3 |
| 2025-11 | 2 |
| 2025-12 | 4 |
| 2026-01 | 7 |
| 2026-02 | 2 |
| 2026-03 | 2 |
| 2026-04 | 9 |
| 2026-05 | 8 |
| 2026-06 | 6 |
| 2026-07 | 3 |
| 2026-08 | 7 |
| 2026-09 | 2 |
| 2026-10 | 4 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Kubota Credit140 · 66.0%Captive finance
- John Deere Financial54 · 25.5%Captive finance
- CNH Industrial Capital10 · 4.7%Captive finance
- Bank
- Bank
- Bank
- AGCO Finance1 · 0.5%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 |
|---|---|---|---|---|
91 | JCS Saint Cloud | Agriculture 37 mo old · peak window+35Near the 36-month mark+7 | Kubota Credit Captive finance | Sep 2023 |
86 | FLO Saint Cloud | Agriculture 39 mo old · peak window+35Near the 36-month mark+2 | John Deere Financial Captive finance | Jul 2023 |
84 | MC Saint Cloud | Agriculture 40 mo old · peak window+35Active, no continuation+10 | Kubota Credit Captive finance | Jun 2023 |
79 | JC Saint Cloud | Agriculture 50 mo old · late window+31Near the 48-month mark+4 | John Deere Financial Captive finance | Aug 2022 |
78 | JAR Saint Cloud | Agriculture 35 mo old · early+32Near the 36-month mark+7 | Kubota Credit Captive finance | Nov 2023 |
78 | CIR Saint Cloud | Agriculture 46 mo old · peak window+35Near the 48-month mark+4 | AGCO Finance Captive finance | Dec 2022 |
76 | DON Saint Cloud | Agriculture 37 mo old · peak window+35Near the 36-month mark+7 | CNH Industrial Capital Captive finance | Sep 2023 |
76 | ROC Saint Cloud | Agriculture 37 mo old · peak window+35Near the 36-month mark+7 | John Deere Financial Captive finance | Sep 2023 |
Questions
How many farm equipment loans are active in Saint Cloud, FL?
How many farm equipment loans in Saint Cloud, FL end in the next six months?
Which lenders finance the most farm equipment 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.