Updated November 11, 2026
Equipment financing activity in Winter Haven, FL
Winter Haven has 1,942 active UCC filings for equipment across 1,286 businesses, about 1.5 per business, so repeat borrowers are common. 462 new filings were recorded in the last 12 months, up 11% on the year before. 459 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 24% of the book. The market is spread out: CITIZENS BANK & TRUST leads with 6%, followed by SOUTHSTATE BANK, N.A. at 5%. Banks and credit unions hold 46%, 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
+11% on the year before
New equipment filings by month
Winter Haven, FL, last 24 months. The current month is still coming in.
| 2024-12 | 32 |
|---|---|
| 2025-01 | 29 |
| 2025-02 | 30 |
| 2025-03 | 40 |
| 2025-04 | 40 |
| 2025-05 | 29 |
| 2025-06 | 37 |
| 2025-07 | 49 |
| 2025-08 | 30 |
| 2025-09 | 32 |
| 2025-10 | 43 |
| 2025-11 | 39 |
| 2025-12 | 56 |
| 2026-01 | 34 |
| 2026-02 | 41 |
| 2026-03 | 37 |
| 2026-04 | 30 |
| 2026-05 | 35 |
| 2026-06 | 33 |
| 2026-07 | 30 |
| 2026-08 | 63 |
| 2026-09 | 31 |
| 2026-10 | 40 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- CITIZENS BANK & TRUST54 · 5.5%Bank
- SOUTHSTATE BANK, N.A.51 · 5.2%Bank
- John Deere Financial47 · 4.8%Captive finance
- Kubota Credit39 · 4.0%Captive finance
- Caterpillar Financial35 · 3.6%Captive finance
- Komatsu Financial27 · 2.8%Captive finance
- MIDFLORIDA CREDIT UNION21 · 2.1%Bank
- PNC BANK, NATIONAL ASSOCIATION20 · 2.0%Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated1,748 · 90.0%
- Agriculture101 · 5.2%
- Construction82 · 4.2%
- IT & office4 · 0.2%
- Manufacturing4 · 0.2%
- Vehicles2 · 0.1%
- Trucks & trailers1 · 0.1%
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 |
|---|---|---|---|---|
84 | CRO Winter Haven | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | SOUTHSTATE BANK, N.A. Bank | Oct 2022 |
84 | CRO Winter Haven | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | SOUTHSTATE BANK, N.A. Bank | Oct 2022 |
84 | STA Winter Haven | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | MIDFLORIDA CREDIT UNION Bank | Oct 2022 |
83 | H & Winter Haven | Agriculture 35 mo old · early+32Near the 36-month mark+7 | Kubota Credit Captive finance | Nov 2023 |
83 | QUI Winter Haven | Construction 38 mo old · peak window+35Near the 36-month mark+4 | Caterpillar Financial Captive finance | Aug 2023 |
81 | GUA Winter Haven | Equipment 37 mo old · peak window+35Near the 36-month mark+7 | M&T EQUIPMENT FINANCE CORPORATION Independent | Sep 2023 |
81 | WM. Winter Haven | Equipment 37 mo old · peak window+35Near the 36-month mark+7 | BFG CORPORATION Other | Sep 2023 |
81 | CRO Winter Haven | Equipment 37 mo old · peak window+35Near the 36-month mark+7 | SOUTHSTATE BANK, N.A. Bank | Sep 2023 |
Equipment types in Winter Haven
Nearby cities
- Lakeland5,082
- Davenport1,725
- Sebring956
- Haines City825
- Lake Wales720
- Auburndale632
- Bartow604
- Lake Placid391
- Mulberry378
- Wauchula348
- Avon Park343
- Polk City193
Questions
How many equipment loans are active in Winter Haven, FL?
How many equipment loans in Winter Haven, FL end in the next six months?
Which lenders finance the most equipment in Winter Haven, FL?
What equipment is financed most in Winter Haven, FL?
Is Winter Haven, 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.