Updated November 11, 2026
Equipment financing activity in Santa Rosa, FL
Santa Rosa has 33 active UCC filings for equipment across 14 businesses, about 2.4 per business, so repeat borrowers are common. 8 new filings were recorded in the last 12 months, down 47% on the year before. 5 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 15% of the book. The market is spread out: WELLS FARGO VENDOR FINANCIAL SERVICES, LLC leads with 19%, followed by CLARUS CAPITAL FUNDING I, LLC at 13%. Banks and credit unions hold 61%, 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
-47% on the year before
New equipment filings by month
Santa Rosa, FL, last 24 months. The current month is still coming in.
| 2024-12 | 2 |
|---|---|
| 2025-01 | 4 |
| 2025-02 | 0 |
| 2025-03 | 0 |
| 2025-04 | 1 |
| 2025-05 | 4 |
| 2025-06 | 0 |
| 2025-07 | 0 |
| 2025-08 | 1 |
| 2025-09 | 0 |
| 2025-10 | 2 |
| 2025-11 | 1 |
| 2025-12 | 1 |
| 2026-01 | 0 |
| 2026-02 | 0 |
| 2026-03 | 0 |
| 2026-04 | 0 |
| 2026-05 | 1 |
| 2026-06 | 0 |
| 2026-07 | 1 |
| 2026-08 | 2 |
| 2026-09 | 0 |
| 2026-10 | 3 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Bank
- CLARUS CAPITAL FUNDING I, LLC4 · 12.9%Independent
- CELTIC BANK CORPORATION3 · 9.7%Bank
- NORTH MILL CREDIT TRUST3 · 9.7%Independent
- AMERICAN COMMERCE BANK, N.A.2 · 6.5%Bank
- Independent
- ORIGIN BANK2 · 6.5%Bank
- PNC BANK, NATIONAL ASSOCIATION1 · 3.2%Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated33 · 100.0%
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 |
|---|---|---|---|---|
59 | MUR Santa Rosa | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | NCMIC FINANCE CORPORATION Independent | Oct 2023 |
57 | RUS Santa Rosa | Equipment 30 mo old · early+18Active, no continuation+10 | AUDAX PRIVATE DEBT LLC, AS COLLATERAL AGENT Other | Apr 2024 |
54 | JUN Santa Rosa | Equipment 50 mo old · late window+31Near the 48-month mark+4 | PMB RENTALS, LLC Independent | Aug 2022 |
50 | LAW Santa Rosa | Equipment 51 mo old · late window+29Near the 48-month mark+2 | PNC BANK, NATIONAL ASSOCIATION Bank | Jul 2022 |
48 | HIC Santa Rosa | Equipment 27 mo old · early+9Active, no continuation+10 | CROSSROADS EQUIPMENT LEASE AND FINANCE, LLC Independent | Jul 2024 |
47 | VER Santa Rosa | Equipment 33 mo old · early+26Near the 36-month mark+2 | AMERICAN COMMERCE BANK, N.A. Bank | Jan 2024 |
47 | VER Santa Rosa | Equipment 33 mo old · early+26Near the 36-month mark+2 | AMERICAN COMMERCE BANK, N.A. Bank | Jan 2024 |
44 | HIC Santa Rosa | Equipment 41 mo old · peak window+35Moved to another lender Jul 2024 | WELLS FARGO VENDOR FINANCIAL SERVICES, LLC Bank | Jun 2023 |
Nearby cities
- Panama City2,150
- Panama City Beach973
- Santa Rosa Beach889
- Freeport409
- Marianna396
- Defuniak Springs361
- Lynn Haven357
- Chipley356
- Bonifay182
- Cottondale127
- Inlet Beach124
- Port Saint Joe111
Questions
How many equipment loans are active in Santa Rosa, FL?
How many equipment loans in Santa Rosa, FL end in the next six months?
Which lenders finance the most equipment in Santa Rosa, FL?
Is Santa Rosa, 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.