Updated November 11, 2026
Equipment financing activity in Emporia, VA
Emporia has 192 active UCC filings for equipment across 107 businesses, about 1.8 per business, so repeat borrowers are common. 39 new filings were recorded in the last 12 months, up 18% on the year before. 53 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 28% of the book. The Bank of Southside Virginia dominates with 20% of active filings. Banks and credit unions hold 54%, 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
+18% on the year before
New equipment filings by month
Emporia, VA, last 24 months. The current month is still coming in.
| 2024-12 | 6 |
|---|---|
| 2025-01 | 3 |
| 2025-02 | 3 |
| 2025-03 | 4 |
| 2025-04 | 2 |
| 2025-05 | 2 |
| 2025-06 | 3 |
| 2025-07 | 2 |
| 2025-08 | 2 |
| 2025-09 | 2 |
| 2025-10 | 3 |
| 2025-11 | 1 |
| 2025-12 | 5 |
| 2026-01 | 3 |
| 2026-02 | 3 |
| 2026-03 | 3 |
| 2026-04 | 6 |
| 2026-05 | 4 |
| 2026-06 | 2 |
| 2026-07 | 2 |
| 2026-08 | 4 |
| 2026-09 | 2 |
| 2026-10 | 4 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- The Bank of Southside Virginia22 · 20.0%Bank
- John Deere Financial15 · 13.6%Captive finance
- First-Citizens Bank and Trust Company11 · 10.0%Bank
- Truist Bank6 · 5.5%Bank
- Caterpillar Financial5 · 4.5%Captive finance
- Benchmark Community Bank4 · 3.6%Bank
- Independent
- Komatsu Financial3 · 2.7%Captive finance
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated157 · 81.8%
- Agriculture16 · 8.3%
- Construction13 · 6.8%
- Blanket liens4 · 2.1%
- Manufacturing1 · 0.5%
- Restaurant1 · 0.5%
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 |
|---|---|---|---|---|
78 | O'B Emporia | Equipment 38 mo old · peak window+35Near the 36-month mark+4 | C T CORPORATION SYSTEM, AS REPRESENTATIVE Other | Aug 2023 |
76 | J.M Emporia | Equipment 39 mo old · peak window+35Near the 36-month mark+2 | INTERNET TRUCKSTOP PAYMENTS LLC Other | Jul 2023 |
74 | J.M Emporia | Equipment 41 mo old · peak window+35Active, no continuation+10 | CE OTR Finance LLC dba TruckerFi ISAOA Other | May 2023 |
74 | ANB Emporia | Equipment 49 mo old · late window+33Near the 48-month mark+7 | FIRST CORPORATE SOLUTIONS, AS REPRESENTATIVE Other | Sep 2022 |
74 | ANB Emporia | Equipment 49 mo old · late window+33Near the 48-month mark+7 | Century Finance, LLC Independent | Sep 2022 |
74 | SLA Emporia | Construction 49 mo old · late window+33Near the 48-month mark+7 | Caterpillar Financial Captive finance | Sep 2022 |
73 | DIA Emporia | Agriculture 46 mo old · peak window+35Near the 48-month mark+4 | John Deere Financial Captive finance | Dec 2022 |
72 | DIC Emporia | Equipment 34 mo old · early+29Near the 36-month mark+4 | VFS US LLC Other | Dec 2023 |
Nearby cities
- Chester763
- Chesterfield708
- Petersburg519
- Colonial Heights243
- Franklin218
- Hopewell211
- Prince George200
- South Chesterfield115
- Blackstone113
- Courtland102
- Wakefield88
- Waverly87
Top lenders in Emporia
- The Bank of Southside Virginia22
- John Deere Financial15
- First-Citizens Bank and Trust Company11
- Truist Bank6
- Caterpillar Financial5
- Benchmark Community Bank4
- GreatAmerica Financial Services Corporation3
- Komatsu Financial3
- Wells Fargo Vendor Financial Services, LLC2
- DLL2
Questions
How many equipment loans are active in Emporia, VA?
How many equipment loans in Emporia, VA end in the next six months?
Which lenders finance the most equipment in Emporia, VA?
What equipment is financed most in Emporia, VA?
Is Emporia, 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.