Updated November 11, 2026
Construction equipment loans in Watertown, WI
Watertown has 36 active UCC filings for construction equipment across 11 businesses, about 3.3 per business, so repeat borrowers are common. 12 new filings were recorded in the last 12 months, down 8% on the year before. 6 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 17% of the book. Caterpillar Financial dominates with 75% of active filings. Captive finance arms of the manufacturers write 100% 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
-8% on the year before
New equipment filings by month
Watertown, WI, last 24 months. The current month is still coming in.
| 2024-12 | 0 |
|---|---|
| 2025-01 | 2 |
| 2025-02 | 1 |
| 2025-03 | 0 |
| 2025-04 | 0 |
| 2025-05 | 1 |
| 2025-06 | 1 |
| 2025-07 | 0 |
| 2025-08 | 2 |
| 2025-09 | 2 |
| 2025-10 | 1 |
| 2025-11 | 3 |
| 2025-12 | 1 |
| 2026-01 | 0 |
| 2026-02 | 0 |
| 2026-03 | 3 |
| 2026-04 | 1 |
| 2026-05 | 3 |
| 2026-06 | 1 |
| 2026-07 | 1 |
| 2026-08 | 0 |
| 2026-09 | 1 |
| 2026-10 | 1 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Caterpillar Financial27 · 75.0%Captive finance
- John Deere Financial4 · 11.1%Captive finance
- Komatsu Financial3 · 8.3%Captive finance
- Vermeer Credit1 · 2.8%Captive finance
- JCB FINANCE1 · 2.8%Captive finance
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 |
|---|---|---|---|---|
89 | T A Watertown | Construction 49 mo old · late window+33Near the 48-month mark+7 | Vermeer Credit Captive finance | Sep 2022 |
84 | Mor Watertown | Construction 42 mo old · peak window+35Active, no continuation+10 | Komatsu Financial Captive finance | Apr 2023 |
67 | T & Watertown | Construction 57 mo old · late window+16Near the 60-month mark+2 | John Deere Financial Captive finance | Jan 2022 |
64 | RIC Watertown | Construction 36 mo old · peak window+35Moved to another lender Aug 2024 | Caterpillar Financial Captive finance | Nov 2023 |
64 | AND Watertown | Construction 36 mo old · peak window+35Moved to another lender Sep 2026 | Caterpillar Financial Captive finance | Oct 2023 |
63 | Zie Watertown | Construction 38 mo old · peak window+35Near the 36-month mark+4 | John Deere Financial Captive finance | Aug 2023 |
61 | RIC Watertown | Construction 47 mo old · peak window+35Moved to another lender Aug 2024 | Caterpillar Financial Captive finance | Dec 2022 |
58 | JER Watertown | Construction 35 mo old · early+32Moved to another lender Oct 2024 | Caterpillar Financial Captive finance | Nov 2023 |
Top lenders here
Questions
How many construction equipment loans are active in Watertown, WI?
How many construction equipment loans in Watertown, WI end in the next six months?
Which lenders finance the most construction equipment in Watertown, WI?
Is Watertown, 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.