Updated November 12, 2026
Equipment financing activity in Vero Beach, FL
Vero Beach has 2,675 active UCC filings for equipment across 1,654 businesses, about 1.6 per business, so repeat borrowers are common. New filings held steady over the last 12 months at 584. 597 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: SOUTHSTATE BANK, N.A. leads with 9%, followed by Kubota Credit at 7%. 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
+3% on the year before
New equipment filings by month
Vero Beach, FL, last 24 months. The current month is still coming in.
| 2024-12 | 53 |
|---|---|
| 2025-01 | 47 |
| 2025-02 | 33 |
| 2025-03 | 33 |
| 2025-04 | 55 |
| 2025-05 | 53 |
| 2025-06 | 44 |
| 2025-07 | 56 |
| 2025-08 | 30 |
| 2025-09 | 52 |
| 2025-10 | 61 |
| 2025-11 | 46 |
| 2025-12 | 55 |
| 2026-01 | 43 |
| 2026-02 | 49 |
| 2026-03 | 50 |
| 2026-04 | 51 |
| 2026-05 | 46 |
| 2026-06 | 46 |
| 2026-07 | 35 |
| 2026-08 | 89 |
| 2026-09 | 48 |
| 2026-10 | 44 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- SOUTHSTATE BANK, N.A.165 · 9.4%Bank
- Kubota Credit123 · 7.0%Captive finance
- MARINE BANK & TRUST COMPANY117 · 6.7%Bank
- John Deere Financial104 · 5.9%Captive finance
- TD BANK, NATIONAL ASSOCIATION57 · 3.2%Bank
- SEACOAST NATIONAL BANK46 · 2.6%Bank
- DLL45 · 2.6%Independent
- PNC BANK, NATIONAL ASSOCIATION38 · 2.2%Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated2,358 · 88.1%
- Agriculture237 · 8.9%
- Construction52 · 1.9%
- Manufacturing12 · 0.4%
- IT & office11 · 0.4%
- Vehicles5 · 0.2%
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 | HEA Vero Beach | Agriculture 36 mo old · peak window+35Near the 36-month mark+10 | Kubota Credit Captive finance | Oct 2023 |
88 | SWA Vero Beach | Agriculture 35 mo old · early+32Near the 36-month mark+7 | Kubota Credit Captive finance | Nov 2023 |
88 | TOT Vero Beach | Construction 35 mo old · early+32Near the 36-month mark+7 | Caterpillar Financial Captive finance | Nov 2023 |
88 | SWA Vero Beach | Agriculture 35 mo old · early+32Near the 36-month mark+7 | Kubota Credit Captive finance | Nov 2023 |
86 | NOR Vero Beach | Manufacturing 37 mo old · peak window+35Near the 36-month mark+7 | Toyota Industries Commercial Finance Captive finance | Sep 2023 |
84 | HON Vero Beach | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | U.S. SMALL BUSINESS ADMINISTRATION Other | Oct 2023 |
84 | KEN Vero Beach | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | Private individual Other | Oct 2023 |
84 | TRI Vero Beach | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | FIRST CORPORATE SOLUTIONS, AS REPRESENTATIVE Other | Oct 2023 |
Equipment types in Vero Beach
Nearby cities
- Melbourne2,789
- Palm Bay1,330
- Cocoa1,223
- Rockledge726
- Merritt Island552
- Sebastian372
- West Melbourne266
- Cocoa Beach256
- Indialantic186
- Satellite Beach184
- Fellsmere166
- Cape Canaveral166
Questions
How many equipment loans are active in Vero Beach, FL?
How many equipment loans in Vero Beach, FL end in the next six months?
Which lenders finance the most equipment in Vero Beach, FL?
What equipment is financed most in Vero Beach, FL?
Is Vero 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 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.