Updated November 11, 2026
Equipment financing activity in Charlottesville, VA
Charlottesville has 1,807 active UCC filings for equipment across 1,188 businesses, about 1.5 per business, so repeat borrowers are common. New filings held steady over the last 12 months at 412. 438 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 24% of the book. The market is spread out: First-Citizens Bank and Trust Company leads with 7%, followed by United Bank at 4%. Banks and credit unions hold 64%, 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
+3% on the year before
New equipment filings by month
Charlottesville, VA, last 24 months. The current month is still coming in.
| 2024-12 | 32 |
|---|---|
| 2025-01 | 30 |
| 2025-02 | 29 |
| 2025-03 | 36 |
| 2025-04 | 45 |
| 2025-05 | 42 |
| 2025-06 | 36 |
| 2025-07 | 34 |
| 2025-08 | 25 |
| 2025-09 | 36 |
| 2025-10 | 23 |
| 2025-11 | 36 |
| 2025-12 | 41 |
| 2026-01 | 42 |
| 2026-02 | 35 |
| 2026-03 | 18 |
| 2026-04 | 47 |
| 2026-05 | 38 |
| 2026-06 | 38 |
| 2026-07 | 46 |
| 2026-08 | 26 |
| 2026-09 | 38 |
| 2026-10 | 25 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Bank
- United Bank50 · 4.5%Bank
- John Deere Financial44 · 3.9%Captive finance
- Bank
- ATLANTIC UNION BANK38 · 3.4%Bank
- Kubota Credit35 · 3.1%Captive finance
- Caterpillar Financial34 · 3.0%Captive finance
- Wells Fargo Bank, N.A.30 · 2.7%Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated1,533 · 84.8%
- Agriculture81 · 4.5%
- Blanket liens75 · 4.2%
- Construction74 · 4.1%
- IT & office16 · 0.9%
- Manufacturing13 · 0.7%
- Medical6 · 0.3%
- Restaurant5 · 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 |
|---|---|---|---|---|
91 | THE Charlottesville | Agriculture 37 mo old · peak window+35Near the 36-month mark+7 | CNH Industrial Capital Captive finance | Sep 2023 |
91 | THE Charlottesville | Agriculture 37 mo old · peak window+35Near the 36-month mark+7 | CNH Industrial Capital Captive finance | Sep 2023 |
84 | CTW Charlottesville | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | First-Citizens Bank & Trust Company Bank | Oct 2023 |
84 | CTW Charlottesville | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | First-Citizens Bank & Trust Company Bank | Oct 2023 |
84 | THE Charlottesville | Agriculture 41 mo old · peak window+35Active, no continuation+10 | Kubota Credit Captive finance | May 2023 |
79 | CTW Charlottesville | Equipment 49 mo old · late window+33Near the 48-month mark+7 | First-Citizens Bank & Trust Company Bank | Sep 2022 |
76 | Tru Charlottesville | Construction 47 mo old · peak window+35Near the 48-month mark+7 | Caterpillar Financial Captive finance | Nov 2022 |
76 | PIE Charlottesville | Manufacturing 47 mo old · peak window+35Near the 48-month mark+7 | Toyota Industries Commercial Finance Captive finance | Nov 2022 |
Equipment types in Charlottesville
Nearby cities
- Waynesboro478
- Orange222
- Palmyra147
- Crozet133
- Troy122
- Ruckersville114
- Gordonsville109
- Fishersville96
- Barboursville79
- Earlysville76
- Charlottesvle70
- Afton69
Top lenders in Charlottesville
- First-Citizens Bank and Trust Company75
- United Bank50
- John Deere Financial44
- WEBBANK, its successors and assignees40
- ATLANTIC UNION BANK38
- Kubota Credit35
- Caterpillar Financial34
- Wells Fargo Bank, N.A.30
- University of Virginia Community Credit Union, Inc.30
- Wells Fargo Vendor Financial Services, LLC25
Questions
How many equipment loans are active in Charlottesville, VA?
How many equipment loans in Charlottesville, VA end in the next six months?
Which lenders finance the most equipment in Charlottesville, VA?
What equipment is financed most in Charlottesville, VA?
Is Charlottesville, 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.