Updated November 11, 2026
Equipment financing activity in Amherst, VA
Amherst has 93 active UCC filings for equipment across 61 businesses, about 1.5 per business, so repeat borrowers are common. 28 new filings were recorded in the last 12 months, up 22% on the year before. 23 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 25% of the book. The market is spread out: CNH Industrial Capital leads with 6%, followed by First-Citizens Bank and Trust Company at 6%. Banks and credit unions hold 45%, 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
+22% on the year before
New equipment filings by month
Amherst, VA, last 24 months. The current month is still coming in.
| 2024-12 | 3 |
|---|---|
| 2025-01 | 5 |
| 2025-02 | 2 |
| 2025-03 | 0 |
| 2025-04 | 4 |
| 2025-05 | 2 |
| 2025-06 | 3 |
| 2025-07 | 2 |
| 2025-08 | 1 |
| 2025-09 | 0 |
| 2025-10 | 0 |
| 2025-11 | 0 |
| 2025-12 | 1 |
| 2026-01 | 2 |
| 2026-02 | 0 |
| 2026-03 | 2 |
| 2026-04 | 2 |
| 2026-05 | 3 |
| 2026-06 | 6 |
| 2026-07 | 4 |
| 2026-08 | 3 |
| 2026-09 | 1 |
| 2026-10 | 4 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- CNH Industrial Capital4 · 6.5%Captive finance
- Bank
- The First Bank and Trust Co.4 · 6.5%Bank
- John Deere Financial3 · 4.8%Captive finance
- Stearns Bank Equipment Finance3 · 4.8%Bank
- Independent
- Bank
- First National Bank2 · 3.2%Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated75 · 80.6%
- Agriculture9 · 9.7%
- Construction5 · 5.4%
- Blanket liens3 · 3.2%
- IT & office1 · 1.1%
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 |
|---|---|---|---|---|
81 | Hea Amherst | Equipment 47 mo old · peak window+35Near the 48-month mark+7 | Secured Lender Solutions, LLC Other | Nov 2022 |
81 | Hea Amherst | Equipment 47 mo old · peak window+35Near the 48-month mark+7 | C T Corporation System, as representative Other | Nov 2022 |
79 | K E Amherst | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | Carter Machinery Company, Incorporated Other | Oct 2022 |
74 | ACT Amherst | Agriculture 48 mo old · peak window+35Near the 48-month mark+10 | Kubota Credit Captive finance | Oct 2022 |
73 | R D Amherst | Equipment 38 mo old · peak window+35Near the 36-month mark+4 | C T Corporation System, as representative Other | Aug 2023 |
69 | TOP Amherst | Agriculture 49 mo old · late window+33Near the 48-month mark+7 | CNH Industrial Capital Captive finance | Sep 2022 |
69 | P & Amherst | Equipment 49 mo old · late window+33Near the 48-month mark+7 | Commercial Funding Inc. on behalf of itself and on behalf of all Affiliates of CCI. Independent | Sep 2022 |
66 | SWA Amherst | Construction 39 mo old · peak window+35Near the 36-month mark+2 | Caterpillar Financial Captive finance | Jul 2023 |
Nearby cities
- Lynchburg1,295
- Danville623
- Forest447
- Scottsville278
- Bedford276
- South Boston217
- Chatham198
- Appomattox149
- Rustburg148
- Madison Heights129
- Altavista115
- Evington96
Top lenders in Amherst
- CNH Industrial Capital4
- First-Citizens Bank and Trust Company4
- The First Bank and Trust Co.4
- John Deere Financial3
- Stearns Bank Equipment Finance3
- M&T EQUIPMENT FINANCE CORPORATION3
- Wells Fargo Vendor Financial Services, LLC2
- First National Bank2
- Wells Fargo Bank, N.A.2
- Huntington Distribution Finance, Inc.2
Questions
How many equipment loans are active in Amherst, VA?
How many equipment loans in Amherst, VA end in the next six months?
Which lenders finance the most equipment in Amherst, VA?
What equipment is financed most in Amherst, VA?
Is Amherst, VA equipment financing growing?
Source: UCC financing statements from the weekly UCC data file of the Virginia State Corporation Commission. 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.