Updated November 11, 2026
Construction equipment loans in Winter Haven, FL
Winter Haven has 82 active UCC filings for construction equipment across 28 businesses, about 2.9 per business, so repeat borrowers are common. 14 new filings were recorded in the last 12 months, down 48% on the year before. 20 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. Caterpillar Financial dominates with 43% 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
-48% on the year before
New equipment filings by month
Winter Haven, FL, last 24 months. The current month is still coming in.
| 2024-12 | 9 |
|---|---|
| 2025-01 | 3 |
| 2025-02 | 2 |
| 2025-03 | 3 |
| 2025-04 | 2 |
| 2025-05 | 0 |
| 2025-06 | 0 |
| 2025-07 | 0 |
| 2025-08 | 0 |
| 2025-09 | 2 |
| 2025-10 | 5 |
| 2025-11 | 0 |
| 2025-12 | 3 |
| 2026-01 | 2 |
| 2026-02 | 2 |
| 2026-03 | 1 |
| 2026-04 | 3 |
| 2026-05 | 1 |
| 2026-06 | 0 |
| 2026-07 | 1 |
| 2026-08 | 0 |
| 2026-09 | 1 |
| 2026-10 | 0 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Caterpillar Financial35 · 42.7%Captive finance
- Komatsu Financial27 · 32.9%Captive finance
- John Deere Financial17 · 20.7%Captive finance
- JCB FINANCE3 · 3.7%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 |
|---|---|---|---|---|
83 | QUI Winter Haven | Construction 38 mo old · peak window+35Near the 36-month mark+4 | Caterpillar Financial Captive finance | Aug 2023 |
77 | PB Winter Haven | Construction 33 mo old · early+26Near the 36-month mark+2 | John Deere Financial Captive finance | Jan 2024 |
76 | GOM Winter Haven | Construction 52 mo old · late window+27Active, no continuation+10 | JCB FINANCE Captive finance | Jun 2022 |
73 | C.C Winter Haven | Construction 38 mo old · peak window+35Near the 36-month mark+4 | Komatsu Financial Captive finance | Aug 2023 |
72 | TUC Winter Haven | Construction 34 mo old · early+29Near the 36-month mark+4 | Komatsu Financial Captive finance | Dec 2023 |
72 | TUC Winter Haven | Construction 34 mo old · early+29Near the 36-month mark+4 | Komatsu Financial Captive finance | Dec 2023 |
72 | TUC Winter Haven | Construction 34 mo old · early+29Near the 36-month mark+4 | Komatsu Financial Captive finance | Dec 2023 |
72 | GOM Winter Haven | Construction 54 mo old · late window+23Active, no continuation+10 | Caterpillar Financial Captive finance | Apr 2022 |
Construction in nearby cities
- Construction in Lakeland156
- Construction in Davenport30
- Construction in Sebring40
- Construction in Haines City26
- Construction in Bartow51
- Construction in Wauchula32
Top lenders here
Questions
How many construction equipment loans are active in Winter Haven, FL?
How many construction equipment loans in Winter Haven, FL end in the next six months?
Which lenders finance the most construction equipment 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.