Updated November 11, 2026
Equipment financing activity in Fredericksburg, VA
Fredericksburg has 2,837 active UCC filings for equipment across 1,679 businesses, about 1.7 per business, so repeat borrowers are common. 635 new filings were recorded in the last 12 months, up 12% on the year before. 713 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 25% of the book. The market is spread out: ATLANTIC UNION BANK leads with 6%, followed by Caterpillar Financial at 6%. 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
+12% on the year before
New equipment filings by month
Fredericksburg, VA, last 24 months. The current month is still coming in.
| 2024-12 | 64 |
|---|---|
| 2025-01 | 45 |
| 2025-02 | 44 |
| 2025-03 | 47 |
| 2025-04 | 54 |
| 2025-05 | 50 |
| 2025-06 | 32 |
| 2025-07 | 40 |
| 2025-08 | 35 |
| 2025-09 | 65 |
| 2025-10 | 48 |
| 2025-11 | 38 |
| 2025-12 | 123 |
| 2026-01 | 52 |
| 2026-02 | 57 |
| 2026-03 | 58 |
| 2026-04 | 34 |
| 2026-05 | 53 |
| 2026-06 | 56 |
| 2026-07 | 47 |
| 2026-08 | 47 |
| 2026-09 | 45 |
| 2026-10 | 42 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- ATLANTIC UNION BANK104 · 6.3%Bank
- Caterpillar Financial102 · 6.1%Captive finance
- Eastern Funding LLC83 · 5.0%Independent
- NEXTGEAR CAPITAL, INC.54 · 3.3%Independent
- Kubota Credit42 · 2.5%Captive finance
- Bank
- John Deere Financial35 · 2.1%Captive finance
- M&T EQUIPMENT FINANCE CORPORATION34 · 2.0%Independent
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated2,443 · 86.1%
- Construction159 · 5.6%
- Blanket liens100 · 3.5%
- Agriculture79 · 2.8%
- Manufacturing20 · 0.7%
- Trucks & trailers14 · 0.5%
- Vehicles12 · 0.4%
- IT & office7 · 0.2%
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 |
|---|---|---|---|---|
94 | HEN Fredericksburg | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | Oct 2023 |
94 | FIN Fredericksburg | Agriculture 48 mo old · peak window+35Near the 48-month mark+10 | Kubota Credit Captive finance | Oct 2022 |
88 | MON Fredericksburg | Agriculture 46 mo old · peak window+35Near the 48-month mark+4 | CNH Industrial Capital Captive finance | Dec 2022 |
84 | Cor Fredericksburg | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | HUNTINGTON NATIONAL BANK Bank | Nov 2023 |
84 | Fre Fredericksburg | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | MITSUBISHI HC CAPITAL AMERICA, INC. Independent | Oct 2023 |
84 | RAM Fredericksburg | Construction 40 mo old · peak window+35Active, no continuation+10 | JCB FINANCE Captive finance | Jun 2023 |
84 | RAM Fredericksburg | Construction 40 mo old · peak window+35Active, no continuation+10 | JCB FINANCE Captive finance | Jun 2023 |
84 | RAM Fredericksburg | Construction 41 mo old · peak window+35Active, no continuation+10 | JCB FINANCE Captive finance | May 2023 |
Equipment types in Fredericksburg
Nearby cities
- King George293
- Fredericksbrg237
- Kilmarnock157
- Colonial Beach103
- Heathsville74
- Callao69
- Fredricksburg56
- Irvington39
- Hague39
- Bowling Green32
- Champlain28
- Center Cross26
Top lenders in Fredericksburg
- ATLANTIC UNION BANK104
- Caterpillar Financial102
- Eastern Funding LLC83
- NEXTGEAR CAPITAL, INC.54
- Kubota Credit42
- First-Citizens Bank and Trust Company42
- John Deere Financial35
- M&T EQUIPMENT FINANCE CORPORATION34
- Wells Fargo Vendor Financial Services, LLC32
- Automotive Finance Corporation32
Questions
How many equipment loans are active in Fredericksburg, VA?
How many equipment loans in Fredericksburg, VA end in the next six months?
Which lenders finance the most equipment in Fredericksburg, VA?
What equipment is financed most in Fredericksburg, VA?
Is Fredericksburg, 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.