Updated November 11, 2026
Equipment financing activity in Bridgewater, VA
Bridgewater has 180 active UCC filings for equipment across 104 businesses, about 1.7 per business, so repeat borrowers are common. New filings held steady over the last 12 months at 47. 29 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 16% of the book. Caterpillar Financial dominates with 20% of active filings. Construction is the largest equipment type, at 17%. Banks and credit unions hold 58%, 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
-2% on the year before
New equipment filings by month
Bridgewater, VA, last 24 months. The current month is still coming in.
| 2024-12 | 7 |
|---|---|
| 2025-01 | 2 |
| 2025-02 | 0 |
| 2025-03 | 3 |
| 2025-04 | 10 |
| 2025-05 | 2 |
| 2025-06 | 5 |
| 2025-07 | 3 |
| 2025-08 | 5 |
| 2025-09 | 4 |
| 2025-10 | 6 |
| 2025-11 | 2 |
| 2025-12 | 6 |
| 2026-01 | 3 |
| 2026-02 | 3 |
| 2026-03 | 2 |
| 2026-04 | 9 |
| 2026-05 | 2 |
| 2026-06 | 2 |
| 2026-07 | 5 |
| 2026-08 | 4 |
| 2026-09 | 6 |
| 2026-10 | 4 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Caterpillar Financial28 · 20.4%Captive finance
- Farmers & Merchants Bank21 · 15.3%Bank
- The First Bank and Trust Co.12 · 8.8%Bank
- M&T Bank9 · 6.6%Bank
- Bank
- Pioneer Bank5 · 3.6%Bank
- Pendleton Community Bank, Inc5 · 3.6%Bank
- Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated124 · 68.9%
- Construction30 · 16.7%
- Agriculture16 · 8.9%
- Blanket liens7 · 3.9%
- IT & office1 · 0.6%
- Manufacturing1 · 0.6%
- Medical1 · 0.6%
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 |
|---|---|---|---|---|
79 | MOS Bridgewater | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | Oct 2023 |
79 | KEY Bridgewater | Construction 48 mo old · peak window+35Near the 48-month mark+10 | Caterpillar Financial Captive finance | Oct 2022 |
76 | SHE Bridgewater | Construction 47 mo old · peak window+35Near the 48-month mark+7 | Caterpillar Financial Captive finance | Nov 2022 |
74 | R.T Bridgewater | Equipment 41 mo old · peak window+35Active, no continuation+10 | C T CORPORATION SYSTEM, AS REPRESENTATIVE Other | May 2023 |
73 | ROC Bridgewater | Equipment 35 mo old · early+32Near the 36-month mark+7 | Farmers & Merchants bank Bank | Nov 2023 |
73 | SHE Bridgewater | Construction 35 mo old · early+32Near the 36-month mark+7 | Caterpillar Financial Captive finance | Nov 2023 |
73 | WIL Bridgewater | Construction 46 mo old · peak window+35Near the 48-month mark+4 | Caterpillar Financial Captive finance | Dec 2022 |
71 | SPR Bridgewater | Agriculture 37 mo old · peak window+35Near the 36-month mark+7 | FARM CREDIT OF THE VIRGINIAS, ACA as agent/nominee Bank | Sep 2023 |
Equipment types in Bridgewater
Nearby cities
- Harrisonburg1,027
- Rockingham280
- Luray194
- Dayton176
- Elkton151
- Broadway119
- Mount Crawford111
- Edinburg79
- Mount Jackson71
- New Market70
- Timberville70
- Mount Solon69
Top lenders in Bridgewater
- Caterpillar Financial28
- Farmers & Merchants Bank21
- The First Bank and Trust Co.12
- M&T Bank9
- FARM CREDIT OF THE VIRGINIAS, ACA as agent/nominee6
- Pioneer Bank5
- Pendleton Community Bank, Inc5
- Wells Fargo Vendor Financial Services, LLC4
- Bank of America, N.A., as Collateral Agent3
- John Deere Financial3
Questions
How many equipment loans are active in Bridgewater, VA?
How many equipment loans in Bridgewater, VA end in the next six months?
Which lenders finance the most equipment in Bridgewater, VA?
What equipment is financed most in Bridgewater, VA?
Is Bridgewater, 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.