Updated November 11, 2026
Construction equipment loans in Sebring, FL
Sebring has 40 active UCC filings for construction equipment across 15 businesses, about 2.7 per business, so repeat borrowers are common. 7 new filings were recorded in the last 12 months, down 50% on the year before. 9 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 23% of the book. Komatsu Financial dominates with 43% of active filings. Captive finance arms of the manufacturers write 100% 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
-50% on the year before
New equipment filings by month
Sebring, FL, last 24 months. The current month is still coming in.
| 2024-12 | 1 |
|---|---|
| 2025-01 | 2 |
| 2025-02 | 1 |
| 2025-03 | 2 |
| 2025-04 | 1 |
| 2025-05 | 1 |
| 2025-06 | 1 |
| 2025-07 | 0 |
| 2025-08 | 0 |
| 2025-09 | 2 |
| 2025-10 | 0 |
| 2025-11 | 5 |
| 2025-12 | 1 |
| 2026-01 | 0 |
| 2026-02 | 1 |
| 2026-03 | 0 |
| 2026-04 | 0 |
| 2026-05 | 0 |
| 2026-06 | 0 |
| 2026-07 | 0 |
| 2026-08 | 0 |
| 2026-09 | 1 |
| 2026-10 | 0 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Komatsu Financial17 · 42.5%Captive finance
- Caterpillar Financial15 · 37.5%Captive finance
- John Deere Financial5 · 12.5%Captive finance
- JCB FINANCE3 · 7.5%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 |
|---|---|---|---|---|
88 | K.D Sebring | Construction 46 mo old · peak window+35Near the 48-month mark+4 | Komatsu Financial Captive finance | Dec 2022 |
77 | HIC Sebring | Construction 33 mo old · early+26Near the 36-month mark+2 | Komatsu Financial Captive finance | Jan 2024 |
76 | HIC Sebring | Construction 52 mo old · late window+27Active, no continuation+10 | Komatsu Financial Captive finance | Jun 2022 |
72 | HIC Sebring | Construction 54 mo old · late window+23Active, no continuation+10 | Komatsu Financial Captive finance | Apr 2022 |
69 | FLO Sebring | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Komatsu Financial Captive finance | Oct 2023 |
69 | STA Sebring | Construction 43 mo old · peak window+35Active, no continuation+10 | Caterpillar Financial Captive finance | Mar 2023 |
67 | HIC Sebring | Construction 56 mo old · late window+18Active, no continuation+10 | Komatsu Financial Captive finance | Feb 2022 |
59 | BAK Sebring | Construction 50 mo old · late window+31Near the 48-month mark+4 | John Deere Financial Captive finance | Aug 2022 |
Construction in nearby cities
- Construction in Lakeland156
- Construction in Winter Haven82
- Construction in Davenport30
- Construction in Haines City26
- Construction in Bartow51
- Construction in Wauchula32
Top lenders here
Questions
How many construction equipment loans are active in Sebring, FL?
How many construction equipment loans in Sebring, FL end in the next six months?
Which lenders finance the most construction equipment 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.