Updated November 11, 2026
Equipment financing activity in Spencer, WI
Spencer has 264 active UCC filings for equipment across 147 businesses, about 1.8 per business, so repeat borrowers are common. 45 new filings were recorded in the last 12 months, down 15% on the year before. 80 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 30% of the book. The market is spread out: Simplicity Credit Union leads with 11%, followed by Forward Bank at 11%. Agriculture is the largest equipment type, at 23%. Banks and credit unions hold 70%, 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
-15% on the year before
New equipment filings by month
Spencer, WI, last 24 months. The current month is still coming in.
| 2024-12 | 4 |
|---|---|
| 2025-01 | 2 |
| 2025-02 | 3 |
| 2025-03 | 5 |
| 2025-04 | 6 |
| 2025-05 | 5 |
| 2025-06 | 3 |
| 2025-07 | 2 |
| 2025-08 | 7 |
| 2025-09 | 4 |
| 2025-10 | 4 |
| 2025-11 | 3 |
| 2025-12 | 5 |
| 2026-01 | 4 |
| 2026-02 | 2 |
| 2026-03 | 9 |
| 2026-04 | 4 |
| 2026-05 | 6 |
| 2026-06 | 2 |
| 2026-07 | 4 |
| 2026-08 | 2 |
| 2026-09 | 4 |
| 2026-10 | 2 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Simplicity Credit Union27 · 11.3%Bank
- Forward Bank26 · 10.8%Bank
- John Deere Financial17 · 7.1%Captive finance
- PARTNERS BANK OF WISCONSIN17 · 7.1%Bank
- CNH Industrial Capital15 · 6.3%Captive finance
- AGCOUNTRY FARM CREDIT SERVICES, PCA14 · 5.8%Bank
- Citizens State Bank of Loyal9 · 3.8%Bank
- AbbyBank9 · 3.8%Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated199 · 75.4%
- Agriculture60 · 22.7%
- Construction5 · 1.9%
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 | MID Spencer | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | SECURITY BANK MINNESOTA Bank | Nov 2023 |
84 | R&R Spencer | Construction 43 mo old · peak window+35Active, no continuation+10 | Caterpillar Financial Captive finance | Mar 2023 |
81 | BAC Spencer | Construction 37 mo old · peak window+35Near the 36-month mark+7 | Caterpillar Financial Captive finance | Sep 2023 |
79 | Kev Spencer | Equipment 49 mo old · late window+33Near the 48-month mark+7 | AbbyBank Bank | Sep 2022 |
78 | LAN Spencer | Equipment 38 mo old · peak window+35Near the 36-month mark+4 | Orgill, Inc Other | Aug 2023 |
74 | MID Spencer | Equipment 41 mo old · peak window+35Active, no continuation+10 | SECURITY BANK MINNESOTA Bank | May 2023 |
73 | NIE Spencer | Equipment 35 mo old · early+32Near the 36-month mark+7 | Prevail Bank Bank | Nov 2023 |
70 | T & Spencer | Equipment 51 mo old · late window+29Near the 48-month mark+2 | Wells Fargo Bank, N.A. Bank | Jul 2022 |
Equipment types in Spencer
Nearby cities
- Wausau1,384
- Stevens Point858
- Marshfield836
- Wisconsin Rapids752
- Medford582
- Antigo512
- Schofield423
- Plover408
- Athens387
- Tomahawk372
- Marathon325
- Stratford282
Questions
How many equipment loans are active in Spencer, WI?
How many equipment loans in Spencer, WI end in the next six months?
Which lenders finance the most equipment in Spencer, WI?
What equipment is financed most in Spencer, WI?
Is Spencer, 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.