Updated November 11, 2026
Construction equipment loans in Charlottesville, VA
Charlottesville has 74 active UCC filings for construction equipment across 32 businesses, about 2.3 per business, so repeat borrowers are common. 34 new filings were recorded in the last 12 months, up 62% on the year before. 10 of these loans reach a typical 36, 48 or 60 month term end in the next six months. Caterpillar Financial dominates with 53% 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
+62% on the year before
New equipment filings by month
Charlottesville, VA, last 24 months. The current month is still coming in.
| 2024-12 | 3 |
|---|---|
| 2025-01 | 0 |
| 2025-02 | 2 |
| 2025-03 | 5 |
| 2025-04 | 3 |
| 2025-05 | 2 |
| 2025-06 | 0 |
| 2025-07 | 2 |
| 2025-08 | 0 |
| 2025-09 | 1 |
| 2025-10 | 0 |
| 2025-11 | 4 |
| 2025-12 | 2 |
| 2026-01 | 1 |
| 2026-02 | 3 |
| 2026-03 | 3 |
| 2026-04 | 5 |
| 2026-05 | 2 |
| 2026-06 | 5 |
| 2026-07 | 3 |
| 2026-08 | 4 |
| 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.
- Caterpillar Financial34 · 53.1%Captive finance
- John Deere Financial29 · 45.3%Captive finance
- Komatsu Financial1 · 1.6%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 |
|---|---|---|---|---|
76 | Tru Charlottesville | Construction 47 mo old · peak window+35Near the 48-month mark+7 | Caterpillar Financial Captive finance | Nov 2022 |
74 | FRO Charlottesville | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | Oct 2023 |
74 | M3 Charlottesville | Construction 50 mo old · late window+31Near the 48-month mark+4 | John Deere Financial Captive finance | Sep 2022 |
64 | VES Charlottesville | Construction 36 mo old · peak window+35Moved to another lender Aug 2025 | John Deere Financial Captive finance | Oct 2023 |
64 | DIG Charlottesville | Construction 48 mo old · peak window+35Moved to another lender Jul 2025 | John Deere Financial Captive finance | Nov 2022 |
61 | CON Charlottesville | Construction 39 mo old · peak window+35Near the 36-month mark+2 | John Deere Financial Captive finance | Jul 2023 |
59 | Zio Charlottesville | Construction 53 mo old · late window+25Active, no continuation+10 | Caterpillar Financial Captive finance | Jun 2022 |
58 | DIG Charlottesville | Construction 38 mo old · peak window+35Moved to another lender Jul 2025 | John Deere Financial Captive finance | Sep 2023 |
Top lenders here
Questions
How many construction equipment loans are active in Charlottesville, VA?
How many construction equipment loans in Charlottesville, VA end in the next six months?
Which lenders finance the most construction equipment 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.