Updated November 11, 2026
Equipment financing activity in St. Cloud, FL
St. Cloud has 294 active UCC filings for equipment across 186 businesses, about 1.6 per business, so repeat borrowers are common. 81 new filings were recorded in the last 12 months, up 37% on the year before. 62 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: ONE FLORIDA BANK leads with 7%, followed by Komatsu Financial at 5%. Banks and credit unions hold 51%, 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
+37% on the year before
New equipment filings by month
St. Cloud, FL, last 24 months. The current month is still coming in.
| 2024-12 | 3 |
|---|---|
| 2025-01 | 5 |
| 2025-02 | 2 |
| 2025-03 | 5 |
| 2025-04 | 10 |
| 2025-05 | 1 |
| 2025-06 | 4 |
| 2025-07 | 7 |
| 2025-08 | 6 |
| 2025-09 | 8 |
| 2025-10 | 5 |
| 2025-11 | 4 |
| 2025-12 | 3 |
| 2026-01 | 7 |
| 2026-02 | 10 |
| 2026-03 | 10 |
| 2026-04 | 8 |
| 2026-05 | 4 |
| 2026-06 | 8 |
| 2026-07 | 8 |
| 2026-08 | 8 |
| 2026-09 | 6 |
| 2026-10 | 7 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- ONE FLORIDA BANK11 · 7.1%Bank
- Komatsu Financial8 · 5.2%Captive finance
- FAIRWINDS CREDIT UNION6 · 3.9%Bank
- Independent
- PNC BANK, NATIONAL ASSOCIATION5 · 3.2%Bank
- THE HUNTINGTON NATIONAL BANK4 · 2.6%Bank
- Independent
- OAKMONT CAPITAL HOLDINGS LLC4 · 2.6%Independent
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated274 · 93.2%
- Construction11 · 3.7%
- Agriculture8 · 2.7%
- Vehicles1 · 0.3%
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 | JBB St. Cloud | Construction 47 mo old · peak window+35Near the 48-month mark+7 | Komatsu Financial Captive finance | Nov 2022 |
89 | JBB St. Cloud | Construction 49 mo old · late window+33Near the 48-month mark+7 | Caterpillar Financial Captive finance | Sep 2022 |
88 | JBB St. Cloud | Construction 38 mo old · peak window+35Near the 36-month mark+4 | Komatsu Financial Captive finance | Aug 2023 |
84 | LIL St. Cloud | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | FIRST CORPORATE SOLUTIONS, AS REPRESENTATIVE Other | Oct 2023 |
84 | OUT St. Cloud | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | CORPORATION SERVICE COMPANY, AS REPRESENTATIVE Other | Oct 2022 |
81 | D & St. Cloud | Equipment 37 mo old · peak window+35Near the 36-month mark+7 | ONE FLORIDA BANK Bank | Sep 2023 |
79 | PIP St. Cloud | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | MITSUBISHI HC CAPITAL AMERICA, INC. Independent | Oct 2022 |
79 | AST St. Cloud | Equipment 49 mo old · late window+33Near the 48-month mark+7 | CORPORATION SERVICE COMPANY, AS REPRESENTATIVE Other | Sep 2022 |
Nearby cities
- Kissimmee6,211
- Winter Garden2,237
- Clermont1,853
- Saint Cloud1,569
- Leesburg1,096
- Windermere1,056
- Ocoee1,034
- Groveland606
- Wildwood533
- Celebration259
- Oakland256
- Minneola248
Top lenders in St. Cloud
- ONE FLORIDA BANK11
- Komatsu Financial8
- FAIRWINDS CREDIT UNION6
- KEYSTONE EQUIPMENT FINANCE CORP. ON BEHALF OF ITSELF AND ON BEHALF OF ALL A5
- PNC BANK, NATIONAL ASSOCIATION5
- THE HUNTINGTON NATIONAL BANK4
- ADVANTAFIRST CAPITAL FINANCIAL SERVICES LLC4
- OAKMONT CAPITAL HOLDINGS LLC4
- SHEFFIELD FINANCIAL, A DIVISION OF BRANCH BANKING AND TRUST COMPANY4
- TRUIST BANK4
Questions
How many equipment loans are active in St. Cloud, FL?
How many equipment loans in St. Cloud, FL end in the next six months?
Which lenders finance the most equipment in St. Cloud, FL?
What equipment is financed most in St. Cloud, FL?
Is St. 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.