Updated November 11, 2026
Equipment financing activity in Sebring, FL
Sebring has 956 active UCC filings for equipment across 562 businesses, about 1.7 per business, so repeat borrowers are common. New filings held steady over the last 12 months at 224. 203 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 21% of the book. The market is spread out: Kubota Credit leads with 9%, followed by John Deere Financial at 7%. Agriculture is the largest equipment type, at 12%. Banks and credit unions hold 45%, 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
+2% on the year before
New equipment filings by month
Sebring, FL, last 24 months. The current month is still coming in.
| 2024-12 | 13 |
|---|---|
| 2025-01 | 14 |
| 2025-02 | 10 |
| 2025-03 | 18 |
| 2025-04 | 24 |
| 2025-05 | 14 |
| 2025-06 | 21 |
| 2025-07 | 19 |
| 2025-08 | 21 |
| 2025-09 | 19 |
| 2025-10 | 27 |
| 2025-11 | 31 |
| 2025-12 | 33 |
| 2026-01 | 15 |
| 2026-02 | 17 |
| 2026-03 | 22 |
| 2026-04 | 27 |
| 2026-05 | 10 |
| 2026-06 | 11 |
| 2026-07 | 15 |
| 2026-08 | 32 |
| 2026-09 | 9 |
| 2026-10 | 8 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Kubota Credit54 · 9.0%Captive finance
- John Deere Financial43 · 7.1%Captive finance
- SEACOAST NATIONAL BANK26 · 4.3%Bank
- PNC BANK, NATIONAL ASSOCIATION19 · 3.2%Bank
- DLL17 · 2.8%Independent
- Komatsu Financial17 · 2.8%Captive finance
- Caterpillar Financial15 · 2.5%Captive finance
- Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated794 · 83.1%
- Agriculture117 · 12.2%
- Construction40 · 4.2%
- Manufacturing3 · 0.3%
- IT & office1 · 0.1%
- Vehicles1 · 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 | J & Sebring | Agriculture 36 mo old · peak window+35Near the 36-month mark+10 | John Deere Financial Captive finance | Oct 2023 |
88 | B. Sebring | Agriculture 35 mo old · early+32Near the 36-month mark+7 | Kubota Credit Captive finance | Nov 2023 |
88 | B. Sebring | Agriculture 35 mo old · early+32Near the 36-month mark+7 | Kubota Credit Captive finance | Nov 2023 |
88 | K.D Sebring | Construction 46 mo old · peak window+35Near the 48-month mark+4 | Komatsu Financial Captive finance | Dec 2022 |
86 | ALB Sebring | Agriculture 39 mo old · peak window+35Near the 36-month mark+2 | Kubota Credit Captive finance | Jul 2023 |
84 | K&M Sebring | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | CREWS BANK & TRUST Bank | Oct 2023 |
84 | RID Sebring | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | SIEMENS FINANCIAL SERVICES, INC. Independent | Oct 2023 |
84 | RID Sebring | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | MAHINDRA USA, INC. Other | Oct 2023 |
Equipment types in Sebring
Nearby cities
- Lakeland5,082
- Winter Haven1,942
- Davenport1,725
- Haines City825
- Lake Wales720
- Auburndale632
- Bartow604
- Lake Placid391
- Mulberry378
- Wauchula348
- Avon Park343
- Polk City193
Top lenders in Sebring
- Kubota Credit54
- John Deere Financial43
- SEACOAST NATIONAL BANK26
- PNC BANK, NATIONAL ASSOCIATION19
- DLL17
- Komatsu Financial17
- Caterpillar Financial15
- SHEFFIELD FINANCIAL, A DIVISION OF BRANCH BANKING AND TRUST COMPANY15
- HEARTLAND NATIONAL BANK13
- MIDFLORIDA CREDIT UNION12
Questions
How many equipment loans are active in Sebring, FL?
How many equipment loans in Sebring, FL end in the next six months?
Which lenders finance the most equipment in Sebring, FL?
What equipment is financed most in Sebring, FL?
Is Sebring, 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.