Updated November 11, 2026
Construction equipment loans in Winter Garden, FL
Winter Garden has 58 active UCC filings for construction equipment across 19 businesses, about 3.1 per business, so repeat borrowers are common. 13 new filings were recorded in the last 12 months, down 19% on the year before. 13 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. John Deere Financial dominates with 45% 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
-19% on the year before
New equipment filings by month
Winter Garden, FL, last 24 months. The current month is still coming in.
| 2024-12 | 4 |
|---|---|
| 2025-01 | 3 |
| 2025-02 | 0 |
| 2025-03 | 0 |
| 2025-04 | 0 |
| 2025-05 | 0 |
| 2025-06 | 2 |
| 2025-07 | 4 |
| 2025-08 | 0 |
| 2025-09 | 1 |
| 2025-10 | 1 |
| 2025-11 | 2 |
| 2025-12 | 5 |
| 2026-01 | 0 |
| 2026-02 | 0 |
| 2026-03 | 2 |
| 2026-04 | 0 |
| 2026-05 | 1 |
| 2026-06 | 0 |
| 2026-07 | 0 |
| 2026-08 | 2 |
| 2026-09 | 1 |
| 2026-10 | 1 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- John Deere Financial26 · 44.8%Captive finance
- Caterpillar Financial19 · 32.8%Captive finance
- Komatsu Financial12 · 20.7%Captive finance
- JCB FINANCE1 · 1.7%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 |
|---|---|---|---|---|
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 |
74 | HOR Winter Garden | Construction 53 mo old · late window+25Active, no continuation+10 | Caterpillar Financial Captive finance | May 2022 |
72 | MAR Winter Garden | Construction 32 mo old · early+23Active, no continuation+10 | John Deere Financial Captive finance | Feb 2024 |
64 | JOH Winter Garden | Construction 55 mo old · late window+20Active, no continuation+10 | Caterpillar Financial Captive finance | Mar 2022 |
61 | HOR Winter Garden | Construction 37 mo old · peak window+35Moved to another lender Jan 2024 | John Deere Financial Captive finance | Sep 2023 |
58 | HOR Winter Garden | Construction 38 mo old · peak window+35Moved to another lender Jan 2024 | John Deere Financial Captive finance | Aug 2023 |
58 | VAL Winter Garden | Construction 46 mo old · peak window+35Moved to another lender Feb 2023 | Caterpillar Financial Captive finance | Dec 2022 |
Construction in nearby cities
- Construction in Kissimmee84
- Construction in Clermont55
- Construction in Saint Cloud125
- Construction in Leesburg60
- Construction in Groveland48
- Construction in Wildwood83
Top lenders here
Questions
How many construction equipment loans are active in Winter Garden, FL?
How many construction equipment loans in Winter Garden, FL end in the next six months?
Which lenders finance the most construction equipment 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 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.