Updated November 11, 2026
Equipment financing activity in Zephyrhills, FL
Zephyrhills has 664 active UCC filings for equipment across 449 businesses. 185 new filings were recorded in the last 12 months, up 41% on the year before. 152 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: Kubota Credit leads with 8%, followed by DLL at 4%. Banks and credit unions hold 44%, 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
+41% on the year before
New equipment filings by month
Zephyrhills, FL, last 24 months. The current month is still coming in.
| 2024-12 | 5 |
|---|---|
| 2025-01 | 12 |
| 2025-02 | 4 |
| 2025-03 | 12 |
| 2025-04 | 11 |
| 2025-05 | 15 |
| 2025-06 | 7 |
| 2025-07 | 14 |
| 2025-08 | 16 |
| 2025-09 | 17 |
| 2025-10 | 10 |
| 2025-11 | 22 |
| 2025-12 | 14 |
| 2026-01 | 11 |
| 2026-02 | 11 |
| 2026-03 | 15 |
| 2026-04 | 9 |
| 2026-05 | 18 |
| 2026-06 | 11 |
| 2026-07 | 18 |
| 2026-08 | 33 |
| 2026-09 | 15 |
| 2026-10 | 11 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Kubota Credit23 · 7.7%Captive finance
- DLL13 · 4.4%Independent
- John Deere Financial12 · 4.0%Captive finance
- FIRST NATIONAL BANK OF PASCO10 · 3.4%Bank
- Bank
- Bank
- Caterpillar Financial8 · 2.7%Captive finance
- JPMORGAN CHASE BANK, NA6 · 2.0%Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated610 · 91.9%
- Agriculture33 · 5.0%
- Construction17 · 2.6%
- Manufacturing2 · 0.3%
- IT & office1 · 0.2%
- Trucks & trailers1 · 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 | WAT Zephyrhills | Agriculture 48 mo old · peak window+35Near the 48-month mark+10 | Kubota Credit Captive finance | Oct 2022 |
94 | WAT Zephyrhills | Agriculture 48 mo old · peak window+35Near the 48-month mark+10 | Kubota Credit Captive finance | Oct 2022 |
94 | KOD Zephyrhills | Agriculture 48 mo old · peak window+35Near the 48-month mark+10 | John Deere Financial Captive finance | Oct 2022 |
91 | WAT Zephyrhills | Construction 37 mo old · peak window+35Near the 36-month mark+7 | JCB FINANCE Captive finance | Sep 2023 |
88 | MOR Zephyrhills | Construction 35 mo old · early+32Near the 36-month mark+7 | John Deere Financial Captive finance | Nov 2023 |
88 | WAT Zephyrhills | Trucks & trailers 46 mo old · peak window+35Near the 48-month mark+4 | Daimler Truck Financial Captive finance | Dec 2022 |
84 | AMG Zephyrhills | Agriculture 42 mo old · peak window+35Active, no continuation+10 | Kubota Credit Captive finance | Apr 2023 |
84 | HYD Zephyrhills | Construction 50 mo old · late window+31Near the 48-month mark+4 | Caterpillar Financial Captive finance | Aug 2022 |
Equipment types in Zephyrhills
Nearby cities
- Riverview1,947
- Plant City1,939
- Brandon1,567
- Wesley Chapel1,450
- Lutz1,308
- Odessa783
- Dade City771
- Valrico731
- Seffner515
- Ruskin493
- Dover432
- Apollo Beach429
Top lenders in Zephyrhills
- Kubota Credit23
- DLL13
- John Deere Financial12
- FIRST NATIONAL BANK OF PASCO10
- WEBBANK, ITS SUCCESSORS AND ASSIGNEES8
- SAN ANTONIO CITIZENS FEDERAL CREDIT UNION8
- Caterpillar Financial8
- JPMORGAN CHASE BANK, NA6
- WELLS FARGO BANK, NATIONAL ASSOCIATION5
- NAVITAS CREDIT LLC5
Questions
How many equipment loans are active in Zephyrhills, FL?
How many equipment loans in Zephyrhills, FL end in the next six months?
Which lenders finance the most equipment in Zephyrhills, FL?
What equipment is financed most in Zephyrhills, FL?
Is Zephyrhills, 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.