Updated November 12, 2026
Equipment financing activity in Zolfo Springs, FL
Zolfo Springs has 150 active UCC filings for equipment across 82 businesses, about 1.8 per business, so repeat borrowers are common. 41 new filings were recorded in the last 12 months, up 46% on the year before. 36 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: Kubota Credit leads with 19%, followed by John Deere Financial at 18%. Agriculture is the largest equipment type, at 39%. Captive finance arms of the manufacturers write 46% 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
+46% on the year before
New equipment filings by month
Zolfo Springs, FL, last 24 months. The current month is still coming in.
| 2024-12 | 3 |
|---|---|
| 2025-01 | 1 |
| 2025-02 | 4 |
| 2025-03 | 2 |
| 2025-04 | 5 |
| 2025-05 | 0 |
| 2025-06 | 3 |
| 2025-07 | 2 |
| 2025-08 | 1 |
| 2025-09 | 0 |
| 2025-10 | 5 |
| 2025-11 | 1 |
| 2025-12 | 1 |
| 2026-01 | 3 |
| 2026-02 | 6 |
| 2026-03 | 6 |
| 2026-04 | 4 |
| 2026-05 | 3 |
| 2026-06 | 1 |
| 2026-07 | 2 |
| 2026-08 | 5 |
| 2026-09 | 5 |
| 2026-10 | 5 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Kubota Credit23 · 19.3%Captive finance
- John Deere Financial22 · 18.5%Captive finance
- Bank
- CNH Industrial Capital5 · 4.2%Captive finance
- WAUCHULA STATE BANK4 · 3.4%Bank
- Bank
- JCB FINANCE3 · 2.5%Captive finance
- AUXILIOR CAPITAL PARTNERS, INC.3 · 2.5%Independent
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated88 · 58.7%
- Agriculture58 · 38.7%
- Construction4 · 2.7%
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 |
|---|---|---|---|---|
81 | WIN Zolfo Springs | Equipment 37 mo old · peak window+35Near the 36-month mark+7 | C T CORPORATION SYSTEM, AS REPRESENTATIVE Other | Sep 2023 |
81 | CAN Zolfo Springs | Equipment 47 mo old · peak window+35Near the 48-month mark+7 | C T CORPORATION SYSTEM, AS REPRESENTATIVE Other | Nov 2022 |
76 | CAR Zolfo Springs | Agriculture 47 mo old · peak window+35Near the 48-month mark+7 | John Deere Financial Captive finance | Nov 2022 |
76 | PRG Zolfo Springs | Agriculture 52 mo old · late window+27Active, no continuation+10 | Kubota Credit Captive finance | Jun 2022 |
74 | ROB Zolfo Springs | Agriculture 49 mo old · late window+33Near the 48-month mark+7 | John Deere Financial Captive finance | Sep 2022 |
74 | WIN Zolfo Springs | Equipment 50 mo old · late window+31Near the 48-month mark+4 | C T CORPORATION SYSTEM, AS REPRESENTATIVE Other | Aug 2022 |
73 | PET Zolfo Springs | Agriculture 35 mo old · early+32Near the 36-month mark+7 | CNH Industrial Capital Captive finance | Nov 2023 |
73 | ROB Zolfo Springs | Agriculture 38 mo old · peak window+35Near the 36-month mark+4 | CNH Industrial Capital Captive finance | Aug 2023 |
Equipment types in Zolfo Springs
Nearby cities
- Lakeland5,082
- Winter Haven1,942
- Davenport1,725
- Sebring956
- Haines City825
- Lake Wales720
- Auburndale632
- Bartow604
- Lake Placid391
- Mulberry378
- Wauchula348
- Avon Park343
Top lenders in Zolfo Springs
- Kubota Credit23
- John Deere Financial22
- FARM CREDIT OF FLORIDA, ACA, IN ITS SOLE CAPACITY AND AS AGENT/NOMINEE7
- CNH Industrial Capital5
- WAUCHULA STATE BANK4
- WELLS FARGO FINANCIAL LEASING, INC.3
- JCB FINANCE3
- AUXILIOR CAPITAL PARTNERS, INC.3
- WELLS FARGO VENDOR FINANCIAL SERVICES, LLC3
- THE HUNTINGTON NATIONAL BANK3
Questions
How many equipment loans are active in Zolfo Springs, FL?
How many equipment loans in Zolfo Springs, FL end in the next six months?
Which lenders finance the most equipment in Zolfo Springs, FL?
What equipment is financed most in Zolfo Springs, FL?
Is Zolfo Springs, 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.