Updated November 12, 2026
Equipment financing activity in Vernon, FL
Vernon has 64 active UCC filings for equipment across 34 businesses, about 1.9 per business, so repeat borrowers are common. 18 new filings were recorded in the last 12 months, down 5% on the year before. 10 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 16% of the book. John Deere Financial dominates with 23% of active filings. Agriculture is the largest equipment type, at 17%. Captive finance arms of the manufacturers write 44% 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
-5% on the year before
New equipment filings by month
Vernon, FL, last 24 months. The current month is still coming in.
| 2024-12 | 3 |
|---|---|
| 2025-01 | 4 |
| 2025-02 | 0 |
| 2025-03 | 1 |
| 2025-04 | 4 |
| 2025-05 | 1 |
| 2025-06 | 1 |
| 2025-07 | 0 |
| 2025-08 | 1 |
| 2025-09 | 3 |
| 2025-10 | 1 |
| 2025-11 | 0 |
| 2025-12 | 4 |
| 2026-01 | 1 |
| 2026-02 | 1 |
| 2026-03 | 0 |
| 2026-04 | 2 |
| 2026-05 | 0 |
| 2026-06 | 3 |
| 2026-07 | 3 |
| 2026-08 | 1 |
| 2026-09 | 1 |
| 2026-10 | 2 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- John Deere Financial10 · 23.3%Captive finance
- Independent
- Kubota Credit4 · 9.3%Captive finance
- DLL3 · 7.0%Independent
- Komatsu Financial3 · 7.0%Captive finance
- COMMUNITY SOUTH CREDIT UNION2 · 4.7%Bank
- Bank
- Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated44 · 68.8%
- Agriculture11 · 17.2%
- Construction9 · 14.1%
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 |
|---|---|---|---|---|
78 | CHA Vernon | Equipment 46 mo old · peak window+35Near the 48-month mark+4 | PEOPLESSOUTH BANK Bank | Dec 2022 |
76 | CHA Vernon | Equipment 39 mo old · peak window+35Near the 36-month mark+2 | VFS US LLC Other | Jul 2023 |
76 | CHA Vernon | Equipment 45 mo old · peak window+35Near the 48-month mark+2 | VFS US LLC Other | Jan 2023 |
65 | AAR Vernon | Agriculture 51 mo old · late window+29Near the 48-month mark+2 | John Deere Financial Captive finance | Aug 2022 |
64 | C N Vernon | Equipment 41 mo old · peak window+35Active, no continuation+10 | US BUSINESS SERVICES Other | May 2023 |
59 | HAD Vernon | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | CORPORATION SERVICE COMPANY, AS REPRESENTATIVE Other | Oct 2023 |
59 | BRI Vernon | Equipment 50 mo old · late window+31Near the 48-month mark+4 | CHTD COMPANY Other | Aug 2022 |
58 | HAM Vernon | Equipment 38 mo old · peak window+35Near the 36-month mark+4 | WELLS FARGO VENDOR FINANCIAL SERVICES, LLC Bank | Aug 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
Top lenders in Vernon
- John Deere Financial10
- ZAXIS FINANCIAL SERVICES AMERICAS, LLC5
- Kubota Credit4
- DLL3
- Komatsu Financial3
- COMMUNITY SOUTH CREDIT UNION2
- WELLS FARGO VENDOR FINANCIAL SERVICES, LLC2
- FIRST-CITIZENS BANK & TRUST COMPANY1
- WELLS FARGO BANK, NATIONAL ASSOCIATION1
- GENEVA CAPITAL, LLC1
Questions
How many equipment loans are active in Vernon, FL?
How many equipment loans in Vernon, FL end in the next six months?
Which lenders finance the most equipment in Vernon, FL?
What equipment is financed most in Vernon, FL?
Is Vernon, 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 12, 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.