Updated November 11, 2026
Equipment financing activity in Waterford, CT
Waterford has 288 active UCC filings for equipment across 169 businesses, about 1.7 per business, so repeat borrowers are common. 57 new filings were recorded in the last 12 months, down 14% on the year before. 84 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 29% of the book. The market is spread out: Liberty Bank leads with 9%, followed by CHELSEA GROTON BANK at 9%. Banks and credit unions hold 53%, 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
-14% on the year before
New equipment filings by month
Waterford, CT, last 24 months. The current month is still coming in.
| 2024-12 | 9 |
|---|---|
| 2025-01 | 8 |
| 2025-02 | 6 |
| 2025-03 | 6 |
| 2025-04 | 2 |
| 2025-05 | 3 |
| 2025-06 | 9 |
| 2025-07 | 2 |
| 2025-08 | 5 |
| 2025-09 | 3 |
| 2025-10 | 5 |
| 2025-11 | 10 |
| 2025-12 | 5 |
| 2026-01 | 5 |
| 2026-02 | 0 |
| 2026-03 | 4 |
| 2026-04 | 11 |
| 2026-05 | 6 |
| 2026-06 | 5 |
| 2026-07 | 3 |
| 2026-08 | 3 |
| 2026-09 | 3 |
| 2026-10 | 5 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Liberty Bank16 · 9.2%Bank
- CHELSEA GROTON BANK15 · 8.7%Bank
- DIME BANK13 · 7.5%Bank
- Independent
- Caterpillar Financial8 · 4.6%Captive finance
- DLL7 · 4.0%Independent
- Bank
- Eastern Funding LLC5 · 2.9%Independent
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated234 · 81.3%
- Blanket liens23 · 8.0%
- Construction18 · 6.3%
- Agriculture6 · 2.1%
- IT & office3 · 1.0%
- Vehicles2 · 0.7%
- Medical1 · 0.3%
- Trucks & trailers1 · 0.3%
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 |
|---|---|---|---|---|
94 | All Waterford | Construction 35 mo old · early+32Near the 36-month mark+7 | Commercial Credit Group Inc. on behalf of itself and on behalf of all Affiliates of CCI Independent | Nov 2023 |
90 | DEE Waterford | Construction 41 mo old · peak window+35Active, no continuation+10 | Navitas Credit Corp. Independent | May 2023 |
90 | Nat Waterford | Construction 44 mo old · peak window+35Also a blanket lien | Commercial Credit Group Inc. on behalf of itself and on behalf of all Affiliates of CCI Independent | Feb 2023 |
88 | Nat Waterford | Construction 46 mo old · peak window+35Near the 48-month mark+4 | Liebherr-America, Inc. Other | Dec 2022 |
82 | RYA Waterford | Construction 37 mo old · peak window+35Near the 36-month mark+7 | Wells Fargo Vendor Financial Services, LLC Bank | Sep 2023 |
78 | SIN Waterford | Construction 32 mo old · early+23Active, no continuation+10 | John Deere Financial Captive finance | Feb 2024 |
78 | JCF Waterford | Equipment 40 mo old · peak window+35Active, no continuation+10 | Navitas Credit Corp. Independent | Jun 2023 |
72 | DAN Waterford | Equipment 46 mo old · peak window+35Near the 48-month mark+4 | Navitas Credit Corp. Independent | Jan 2023 |
Nearby cities
- Norwich482
- New London432
- Mystic357
- Groton340
- Plainfield199
- East Lyme193
- Oakdale164
- Old Lyme156
- Niantic151
- Uncasville148
- Stonington132
- Pawcatuck122
Top lenders in Waterford
- Liberty Bank16
- CHELSEA GROTON BANK15
- DIME BANK13
- Commercial Credit Group Inc. on behalf of itself and on behalf of all Affiliates of CCI8
- Caterpillar Financial8
- DLL7
- Sheffield Financial, A Division of Branch Banking and Trust Company6
- Eastern Funding LLC5
- CHARTER OAK FEDERAL CREDIT UNION5
- Kubota Credit4
Questions
How many equipment loans are active in Waterford, CT?
How many equipment loans in Waterford, CT end in the next six months?
Which lenders finance the most equipment in Waterford, CT?
What equipment is financed most in Waterford, CT?
Is Waterford, CT equipment financing growing?
Source: UCC financing statements published as open data by the Connecticut Secretary of the State and loaded every morning, with collateral read from each filing's document. 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.