Updated November 11, 2026
Construction equipment loans in Fredericksburg, VA
Fredericksburg has 159 active UCC filings for construction equipment across 68 businesses, about 2.3 per business, so repeat borrowers are common. 59 new filings were recorded in the last 12 months, up 111% on the year before. 24 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 15% of the book. Caterpillar Financial dominates with 79% of active filings. Captive finance arms of the manufacturers write 95% 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
+111% on the year before
New equipment filings by month
Fredericksburg, VA, last 24 months. The current month is still coming in.
| 2024-12 | 3 |
|---|---|
| 2025-01 | 5 |
| 2025-02 | 1 |
| 2025-03 | 3 |
| 2025-04 | 0 |
| 2025-05 | 3 |
| 2025-06 | 0 |
| 2025-07 | 0 |
| 2025-08 | 0 |
| 2025-09 | 9 |
| 2025-10 | 3 |
| 2025-11 | 0 |
| 2025-12 | 4 |
| 2026-01 | 4 |
| 2026-02 | 0 |
| 2026-03 | 3 |
| 2026-04 | 1 |
| 2026-05 | 6 |
| 2026-06 | 6 |
| 2026-07 | 9 |
| 2026-08 | 8 |
| 2026-09 | 7 |
| 2026-10 | 11 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Caterpillar Financial102 · 79.1%Captive finance
- John Deere Financial17 · 13.2%Captive finance
- Bank
- JCB FINANCE3 · 2.3%Captive finance
- Bank
- Komatsu Financial1 · 0.8%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 |
|---|---|---|---|---|
94 | HEN Fredericksburg | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | 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 |
84 | J. Fredericksburg | Construction 43 mo old · peak window+35Active, no continuation+10 | Caterpillar Financial Captive finance | Mar 2023 |
84 | J. Fredericksburg | Construction 43 mo old · peak window+35Active, no continuation+10 | Caterpillar Financial Captive finance | Mar 2023 |
82 | HEN Fredericksburg | Construction 34 mo old · early+29Near the 36-month mark+4 | Caterpillar Financial Captive finance | Dec 2023 |
81 | HAT Fredericksburg | Construction 47 mo old · peak window+35Near the 48-month mark+7 | John Deere Financial Captive finance | Dec 2022 |
Construction in nearby cities
Construction across VirginiaQuestions
How many construction equipment loans are active in Fredericksburg, VA?
How many construction equipment loans in Fredericksburg, VA end in the next six months?
Which lenders finance the most construction equipment 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.