Updated November 11, 2026
Equipment financing activity in Osceola, WI
Osceola has 282 active UCC filings for equipment across 175 businesses, about 1.6 per business, so repeat borrowers are common. 44 new filings were recorded in the last 12 months, down 28% on the year before. 75 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 27% of the book. The market is spread out: Royal Credit Union leads with 13%, followed by WESTconsin Credit Union at 10%. Agriculture is the largest equipment type, at 11%. Banks and credit unions hold 64%, 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
-28% on the year before
New equipment filings by month
Osceola, WI, last 24 months. The current month is still coming in.
| 2024-12 | 4 |
|---|---|
| 2025-01 | 5 |
| 2025-02 | 4 |
| 2025-03 | 3 |
| 2025-04 | 6 |
| 2025-05 | 8 |
| 2025-06 | 3 |
| 2025-07 | 6 |
| 2025-08 | 4 |
| 2025-09 | 7 |
| 2025-10 | 4 |
| 2025-11 | 3 |
| 2025-12 | 1 |
| 2026-01 | 2 |
| 2026-02 | 0 |
| 2026-03 | 9 |
| 2026-04 | 7 |
| 2026-05 | 3 |
| 2026-06 | 11 |
| 2026-07 | 4 |
| 2026-08 | 2 |
| 2026-09 | 2 |
| 2026-10 | 1 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Royal Credit Union30 · 13.4%Bank
- WESTconsin Credit Union22 · 9.8%Bank
- Hiawatha National Bank20 · 8.9%Bank
- John Deere Financial14 · 6.3%Captive finance
- Caterpillar Financial12 · 5.4%Captive finance
- MidWestOne Bank9 · 4.0%Bank
- FIRST NATIONAL COMMUNITY BANK9 · 4.0%Bank
- Kubota Credit8 · 3.6%Captive finance
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated235 · 83.3%
- Agriculture31 · 11.0%
- Construction12 · 4.3%
- Vehicles2 · 0.7%
- IT & office1 · 0.4%
- Medical1 · 0.4%
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 |
|---|---|---|---|---|
78 | Hil Osceola | Equipment 46 mo old · peak window+35Near the 48-month mark+4 | Compeer Financial, FLCA Independent | Dec 2022 |
76 | ARD Osceola | Agriculture 37 mo old · peak window+35Near the 36-month mark+7 | CNH Industrial Capital Captive finance | Oct 2023 |
76 | OSC Osceola | Equipment 37 mo old · peak window+35Near the 36-month mark+7 | Hiawatha National Bank Bank | Sep 2023 |
76 | LIN Osceola | Agriculture 37 mo old · peak window+35Near the 36-month mark+7 | John Deere Financial Captive finance | Sep 2023 |
76 | LIN Osceola | Agriculture 37 mo old · peak window+35Near the 36-month mark+7 | John Deere Financial Captive finance | Sep 2023 |
76 | BEN Osceola | Equipment 45 mo old · peak window+35Near the 48-month mark+2 | Private individual Other | Jan 2023 |
74 | FB Osceola | Equipment 40 mo old · peak window+35Active, no continuation+10 | FNC BANK Bank | Jun 2023 |
74 | Spe Osceola | Equipment 42 mo old · peak window+35Active, no continuation+10 | First State Bank and Trust Bank | Apr 2023 |
Equipment types in Osceola
Nearby cities
- Sparta686
- Rice Lake640
- Merrill615
- Rhinelander596
- Muskego566
- Shawano547
- Waupaca487
- Mosinee444
- Brownsville433
- Platteville401
- Denmark396
- Viroqua381
Questions
How many equipment loans are active in Osceola, WI?
How many equipment loans in Osceola, WI end in the next six months?
Which lenders finance the most equipment in Osceola, WI?
What equipment is financed most in Osceola, WI?
Is Osceola, 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.