Updated November 11, 2026
Equipment financing activity in Culpeper, VA
Culpeper has 711 active UCC filings for equipment across 396 businesses, about 1.8 per business, so repeat borrowers are common. New filings held steady over the last 12 months at 150. 170 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: Caterpillar Financial leads with 10%, followed by Kubota Credit at 5%. Construction is the largest equipment type, at 11%. Banks and credit unions hold 43%, 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
Culpeper, VA, last 24 months. The current month is still coming in.
| 2024-12 | 16 |
|---|---|
| 2025-01 | 16 |
| 2025-02 | 9 |
| 2025-03 | 9 |
| 2025-04 | 20 |
| 2025-05 | 12 |
| 2025-06 | 11 |
| 2025-07 | 14 |
| 2025-08 | 12 |
| 2025-09 | 8 |
| 2025-10 | 12 |
| 2025-11 | 20 |
| 2025-12 | 16 |
| 2026-01 | 8 |
| 2026-02 | 7 |
| 2026-03 | 11 |
| 2026-04 | 17 |
| 2026-05 | 23 |
| 2026-06 | 17 |
| 2026-07 | 9 |
| 2026-08 | 12 |
| 2026-09 | 7 |
| 2026-10 | 13 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Caterpillar Financial52 · 10.3%Captive finance
- Kubota Credit26 · 5.1%Captive finance
- Bank
- John Deere Financial25 · 5.0%Captive finance
- Bank
- ATLANTIC UNION BANK20 · 4.0%Bank
- DLL18 · 3.6%Independent
- Oak View National Bank13 · 2.6%Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated549 · 77.2%
- Construction79 · 11.1%
- Agriculture56 · 7.9%
- Blanket liens15 · 2.1%
- Vehicles4 · 0.6%
- IT & office3 · 0.4%
- Trucks & trailers3 · 0.4%
- Manufacturing1 · 0.1%
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 |
|---|---|---|---|---|
84 | Ami Culpeper | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | Corporation Service Company, As Representative Other | Oct 2023 |
81 | MER Culpeper | Equipment 37 mo old · peak window+35Near the 36-month mark+7 | TRUIST EQUIPMENT FINANCE CORP. Bank | Sep 2023 |
79 | Ken Culpeper | Construction 48 mo old · peak window+35Near the 48-month mark+10 | Caterpillar Financial Captive finance | Oct 2022 |
76 | Cul Culpeper | Agriculture 52 mo old · late window+27Active, no continuation+10 | FARM CREDIT OF THE VIRGINIAS, ACA as agent/nominee Bank | Jun 2022 |
74 | MIL Culpeper | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | Middesk, Inc. as Representative Other | Oct 2023 |
74 | Ken Culpeper | Construction 49 mo old · late window+33Near the 48-month mark+7 | Caterpillar Financial Captive finance | Sep 2022 |
73 | ELI Culpeper | Equipment 46 mo old · peak window+35Near the 48-month mark+4 | FIRST CORPORATE SOLUTIONS, AS REPRESENTATIVE Other | Jan 2023 |
72 | Rus Culpeper | Equipment 34 mo old · early+29Near the 36-month mark+4 | University of Virginia Community Credit Union, Inc. Bank | Dec 2023 |
Equipment types in Culpeper
Nearby cities
- Bealeton145
- Madison111
- Midland76
- Remington62
- Brandy Station56
- Sperryville46
- Jeffersonton40
- Washington38
- Rixeyville38
- Rapidan35
- Sumerduck32
- Elkwood27
Top lenders in Culpeper
- Caterpillar Financial52
- Kubota Credit26
- Wells Fargo Vendor Financial Services, LLC25
- John Deere Financial25
- University of Virginia Community Credit Union, Inc.25
- ATLANTIC UNION BANK20
- DLL18
- Oak View National Bank13
- Oakmont Capital Holdings LLC12
- FARM CREDIT OF THE VIRGINIAS, ACA as agent/nominee10
Questions
How many equipment loans are active in Culpeper, VA?
How many equipment loans in Culpeper, VA end in the next six months?
Which lenders finance the most equipment in Culpeper, VA?
What equipment is financed most in Culpeper, VA?
Is Culpeper, 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.