Updated November 11, 2026
Equipment financing activity in Santa Rosa Beach, FL
Santa Rosa Beach has 889 active UCC filings for equipment across 541 businesses, about 1.6 per business, so repeat borrowers are common. 265 new filings were recorded in the last 12 months, up 71% on the year before. 192 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 22% of the book. The market is spread out: HANCOCK WHITNEY BANK leads with 6%, followed by Kubota Credit at 6%. Banks and credit unions hold 59%, 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
+71% on the year before
New equipment filings by month
Santa Rosa Beach, FL, last 24 months. The current month is still coming in.
| 2024-12 | 9 |
|---|---|
| 2025-01 | 10 |
| 2025-02 | 18 |
| 2025-03 | 22 |
| 2025-04 | 10 |
| 2025-05 | 10 |
| 2025-06 | 19 |
| 2025-07 | 9 |
| 2025-08 | 12 |
| 2025-09 | 20 |
| 2025-10 | 10 |
| 2025-11 | 27 |
| 2025-12 | 28 |
| 2026-01 | 16 |
| 2026-02 | 34 |
| 2026-03 | 17 |
| 2026-04 | 20 |
| 2026-05 | 20 |
| 2026-06 | 23 |
| 2026-07 | 22 |
| 2026-08 | 29 |
| 2026-09 | 18 |
| 2026-10 | 14 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- HANCOCK WHITNEY BANK35 · 5.7%Bank
- Kubota Credit34 · 5.6%Captive finance
- RENASANT BANK30 · 4.9%Bank
- Bank
- SERVISFIRST BANK25 · 4.1%Bank
- DLL23 · 3.8%Independent
- UNITED COMMUNITY BANK21 · 3.4%Bank
- John Deere Financial17 · 2.8%Captive finance
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated812 · 91.3%
- Agriculture41 · 4.6%
- Construction35 · 3.9%
- IT & office1 · 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 |
|---|---|---|---|---|
84 | SAN Santa Rosa Beach | Construction 41 mo old · peak window+35Active, no continuation+10 | Komatsu Financial Captive finance | May 2023 |
84 | SAN Santa Rosa Beach | Construction 42 mo old · peak window+35Active, no continuation+10 | Komatsu Financial Captive finance | Apr 2023 |
84 | CHA Santa Rosa Beach | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | FNBT BANK Bank | Oct 2022 |
82 | 360 Santa Rosa Beach | Agriculture 34 mo old · early+29Near the 36-month mark+4 | Kubota Credit Captive finance | Dec 2023 |
81 | TAY Santa Rosa Beach | Agriculture 37 mo old · peak window+35Near the 36-month mark+7 | Kubota Credit Captive finance | Sep 2023 |
79 | EME Santa Rosa Beach | Agriculture 48 mo old · peak window+35Near the 48-month mark+10 | Kubota Credit Captive finance | Oct 2022 |
78 | DIS Santa Rosa Beach | Equipment 46 mo old · peak window+35Near the 48-month mark+4 | WESTERN EQUIPMENT FINANCE, A DIVISION OF WESTERN STATE BANK Independent | Dec 2022 |
76 | FOR Santa Rosa Beach | Equipment 37 mo old · peak window+35Near the 36-month mark+7 | HANCOCK WHITNEY BANK Bank | Sep 2023 |
Equipment types in Santa Rosa Beach
Nearby cities
- Panama City2,150
- Panama City Beach973
- Freeport409
- Marianna396
- Defuniak Springs361
- Lynn Haven357
- Chipley356
- Bonifay182
- Cottondale127
- Inlet Beach124
- Port Saint Joe111
- Graceville102
Questions
How many equipment loans are active in Santa Rosa Beach, FL?
How many equipment loans in Santa Rosa Beach, FL end in the next six months?
Which lenders finance the most equipment in Santa Rosa Beach, FL?
What equipment is financed most in Santa Rosa Beach, FL?
Is Santa Rosa 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.