Updated November 11, 2026
Equipment financing activity in Emerald, WI
Emerald has 38 active UCC filings for equipment across 21 businesses, about 1.8 per business, so repeat borrowers are common. New filings held steady over the last 12 months at 10. 10 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 26% of the book. WESTconsin Credit Union dominates with 28% of active filings. Agriculture is the largest equipment type, at 21%. Banks and credit unions hold 56%, 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
+0% on the year before
New equipment filings by month
Emerald, WI, last 24 months. The current month is still coming in.
| 2024-12 | 3 |
|---|---|
| 2025-01 | 0 |
| 2025-02 | 0 |
| 2025-03 | 1 |
| 2025-04 | 1 |
| 2025-05 | 0 |
| 2025-06 | 1 |
| 2025-07 | 0 |
| 2025-08 | 0 |
| 2025-09 | 2 |
| 2025-10 | 0 |
| 2025-11 | 1 |
| 2025-12 | 0 |
| 2026-01 | 3 |
| 2026-02 | 0 |
| 2026-03 | 0 |
| 2026-04 | 2 |
| 2026-05 | 1 |
| 2026-06 | 2 |
| 2026-07 | 1 |
| 2026-08 | 0 |
| 2026-09 | 0 |
| 2026-10 | 0 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- WESTconsin Credit Union10 · 27.8%Bank
- CNH Industrial Capital7 · 19.4%Captive finance
- PILLAR BANK5 · 13.9%Bank
- Heights Finance Corporation2 · 5.6%Independent
- Financial Pacific Leasing, Inc.1 · 2.8%Independent
- Bell Bank1 · 2.8%Bank
- FIRST BANK OF BALDWIN1 · 2.8%Bank
- Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated28 · 73.7%
- Agriculture8 · 21.1%
- Construction1 · 2.6%
- Vehicles1 · 2.6%
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 | RAC Emerald | Agriculture 44 mo old · peak window+35Active, no continuation+10 | CNH Industrial Capital Captive finance | Feb 2023 |
80 | RAC Emerald | Agriculture 51 mo old · late window+29Near the 48-month mark+2 | CNH Industrial Capital Captive finance | Jul 2022 |
64 | RAC Emerald | Agriculture 29 mo old · early+15Active, no continuation+10 | CNH Industrial Capital Captive finance | May 2024 |
64 | MON Emerald | Agriculture 49 mo old · late window+33Near the 48-month mark+7 | John Deere Financial Captive finance | Sep 2022 |
61 | D N Emerald | Equipment 45 mo old · peak window+35Near the 48-month mark+2 | PILLAR BANK Bank | Feb 2023 |
59 | Pau Emerald | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | WESTconsin Credit Union Bank | Nov 2022 |
56 | She Emerald | Equipment 45 mo old · peak window+35Near the 48-month mark+2 | WESTCONSIN CREDIT UNION Bank | Feb 2023 |
55 | RAC Emerald | Agriculture 65 mo old · likely ended+6Active, no continuation+10 | CNH Industrial Capital Captive finance | May 2021 |
Nearby cities
- Sparta686
- Rice Lake640
- Merrill615
- Rhinelander596
- Muskego566
- Shawano547
- Waupaca487
- Mosinee444
- Brownsville433
- Platteville401
- Denmark396
- Viroqua381
Questions
How many equipment loans are active in Emerald, WI?
How many equipment loans in Emerald, WI end in the next six months?
Which lenders finance the most equipment in Emerald, WI?
What equipment is financed most in Emerald, WI?
Is Emerald, WI equipment financing growing?
Source: UCC financing statements from the public UCC index of the Wisconsin Department of Financial Institutions, loaded every morning. 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.