Updated November 12, 2026
Equipment financing activity in Winter Garden, FL
Winter Garden has 2,237 active UCC filings for equipment across 1,385 businesses, about 1.6 per business, so repeat borrowers are common. 534 new filings were recorded in the last 12 months, up 7% on the year before. 505 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. The market is spread out: John Deere Financial leads with 5%, followed by DLL at 4%. Banks and credit unions hold 50%, 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
+7% on the year before
New equipment filings by month
Winter Garden, FL, last 24 months. The current month is still coming in.
| 2024-12 | 54 |
|---|---|
| 2025-01 | 38 |
| 2025-02 | 32 |
| 2025-03 | 47 |
| 2025-04 | 35 |
| 2025-05 | 30 |
| 2025-06 | 43 |
| 2025-07 | 54 |
| 2025-08 | 41 |
| 2025-09 | 41 |
| 2025-10 | 45 |
| 2025-11 | 58 |
| 2025-12 | 65 |
| 2026-01 | 41 |
| 2026-02 | 35 |
| 2026-03 | 48 |
| 2026-04 | 32 |
| 2026-05 | 40 |
| 2026-06 | 48 |
| 2026-07 | 44 |
| 2026-08 | 74 |
| 2026-09 | 30 |
| 2026-10 | 38 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- John Deere Financial68 · 5.4%Captive finance
- DLL50 · 4.0%Independent
- JPMORGAN CHASE BANK, NA49 · 3.9%Bank
- ONE FLORIDA BANK35 · 2.8%Bank
- Kubota Credit31 · 2.5%Captive finance
- PNC BANK, NATIONAL ASSOCIATION28 · 2.2%Bank
- Bank
- TD BANK, NATIONAL ASSOCIATION23 · 1.8%Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated2,086 · 93.2%
- Agriculture83 · 3.7%
- Construction58 · 2.6%
- IT & office5 · 0.2%
- Manufacturing5 · 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 | VAL Winter Garden | Construction 36 mo old · peak window+35Near the 36-month mark+10 | John Deere Financial Captive finance | Oct 2023 |
91 | VAL Winter Garden | Construction 47 mo old · peak window+35Near the 48-month mark+7 | John Deere Financial Captive finance | Nov 2022 |
86 | RAZ Winter Garden | Agriculture 47 mo old · peak window+35Near the 48-month mark+7 | FARM CREDIT OF CENTRAL FLORIDA, ACA Bank | Nov 2022 |
84 | HDD Winter Garden | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | WELLS FARGO BANK, NATIONAL ASSOCIATION Bank | Oct 2023 |
84 | SPE Winter Garden | Agriculture 40 mo old · peak window+35Active, no continuation+10 | Kubota Credit Captive finance | Jun 2023 |
84 | WES Winter Garden | Agriculture 42 mo old · peak window+35Active, no continuation+10 | Kubota Credit Captive finance | Apr 2023 |
84 | SPE Winter Garden | Agriculture 44 mo old · peak window+35Active, no continuation+10 | Kubota Credit Captive finance | Feb 2023 |
84 | THE Winter Garden | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | CORPORATION SERVICE COMPANY, AS REPRESENTATIVE Other | Nov 2022 |
Equipment types in Winter Garden
Nearby cities
- Kissimmee6,211
- Clermont1,853
- Saint Cloud1,569
- Leesburg1,096
- Windermere1,056
- Ocoee1,034
- Groveland606
- Wildwood533
- St. Cloud294
- Celebration259
- Oakland256
- Minneola248
Questions
How many equipment loans are active in Winter Garden, FL?
How many equipment loans in Winter Garden, FL end in the next six months?
Which lenders finance the most equipment in Winter Garden, FL?
What equipment is financed most in Winter Garden, FL?
Is Winter Garden, 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.