Updated November 11, 2026
Equipment financing activity in Hardy, VA
Hardy has 94 active UCC filings for equipment across 44 businesses, about 2.1 per business, so repeat borrowers are common. 36 new filings were recorded in the last 12 months, up 89% on the year before. 16 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 17% of the book. John Deere Financial dominates with 22% of active filings. Construction is the largest equipment type, at 19%. Banks and credit unions hold 48%, 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
+89% on the year before
New equipment filings by month
Hardy, VA, last 24 months. The current month is still coming in.
| 2024-12 | 2 |
|---|---|
| 2025-01 | 2 |
| 2025-02 | 0 |
| 2025-03 | 0 |
| 2025-04 | 1 |
| 2025-05 | 3 |
| 2025-06 | 3 |
| 2025-07 | 2 |
| 2025-08 | 3 |
| 2025-09 | 0 |
| 2025-10 | 3 |
| 2025-11 | 1 |
| 2025-12 | 5 |
| 2026-01 | 3 |
| 2026-02 | 1 |
| 2026-03 | 5 |
| 2026-04 | 2 |
| 2026-05 | 1 |
| 2026-06 | 4 |
| 2026-07 | 4 |
| 2026-08 | 3 |
| 2026-09 | 1 |
| 2026-10 | 6 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- John Deere Financial15 · 22.4%Captive finance
- Kubota Credit6 · 9.0%Captive finance
- HOMETRUST BANK5 · 7.5%Bank
- Commodity Credit Corporation5 · 7.5%Independent
- Carter Bank & Trust4 · 6.0%Bank
- Bank of Botetourt3 · 4.5%Bank
- The First Bank and Trust Co.3 · 4.5%Bank
- CNH Industrial Capital2 · 3.0%Captive finance
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated58 · 61.7%
- Construction18 · 19.1%
- Agriculture11 · 11.7%
- Vehicles3 · 3.2%
- Blanket liens2 · 2.1%
- Trucks & trailers2 · 2.1%
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 |
|---|---|---|---|---|
74 | NEW Hardy | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | FIRST CORPORATE SOLUTIONS, AS REPRESENTATIVE Other | Oct 2023 |
69 | Lak Hardy | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | American National Bank and Trust Company Bank | Oct 2023 |
69 | Lak Hardy | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | American National Bank and Trust Company Bank | Oct 2023 |
69 | COO Hardy | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | Oct 2023 |
69 | HAR Hardy | Agriculture 44 mo old · peak window+35Active, no continuation+10 | Kubota Credit Captive finance | Feb 2023 |
64 | Sha Hardy | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | C T CORPORATION SYSTEM, AS REPRESENTATIVE Other | Oct 2023 |
64 | Per Hardy | Agriculture 50 mo old · late window+31Near the 48-month mark+4 | CNH Industrial Capital Captive finance | Aug 2022 |
61 | FIR Hardy | Agriculture 39 mo old · peak window+35Near the 36-month mark+2 | John Deere Financial Captive finance | Jul 2023 |
Nearby cities
- Salem490
- Martinsville373
- Rocky Mount365
- Vinton196
- Moneta187
- Radford182
- Huddleston135
- Troutville99
- Riner89
- Wirtz89
- Ridgeway79
- Stuart62
Questions
How many equipment loans are active in Hardy, VA?
How many equipment loans in Hardy, VA end in the next six months?
Which lenders finance the most equipment in Hardy, VA?
What equipment is financed most in Hardy, VA?
Is Hardy, 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.