Updated November 11, 2026
Equipment financing activity in Harrisonburg, VA
Harrisonburg has 1,027 active UCC filings for equipment across 626 businesses, about 1.6 per business, so repeat borrowers are common. 235 new filings were recorded in the last 12 months, up 9% on the year before. 266 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 26% of the book. The market is spread out: Caterpillar Financial leads with 9%, followed by Pendleton Community Bank, Inc at 8%. Banks and credit unions hold 55%, 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
+9% on the year before
New equipment filings by month
Harrisonburg, VA, last 24 months. The current month is still coming in.
| 2024-12 | 15 |
|---|---|
| 2025-01 | 14 |
| 2025-02 | 12 |
| 2025-03 | 18 |
| 2025-04 | 25 |
| 2025-05 | 20 |
| 2025-06 | 16 |
| 2025-07 | 13 |
| 2025-08 | 22 |
| 2025-09 | 26 |
| 2025-10 | 20 |
| 2025-11 | 19 |
| 2025-12 | 33 |
| 2026-01 | 19 |
| 2026-02 | 14 |
| 2026-03 | 21 |
| 2026-04 | 21 |
| 2026-05 | 31 |
| 2026-06 | 17 |
| 2026-07 | 19 |
| 2026-08 | 17 |
| 2026-09 | 15 |
| 2026-10 | 12 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Caterpillar Financial60 · 9.4%Captive finance
- Pendleton Community Bank, Inc51 · 8.0%Bank
- Farmers & Merchants Bank29 · 4.6%Bank
- Bank
- Independent
- Bank
- John Deere Financial19 · 3.0%Captive finance
- Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated861 · 83.8%
- Construction82 · 8.0%
- Agriculture30 · 2.9%
- Blanket liens29 · 2.8%
- Manufacturing13 · 1.3%
- Vehicles5 · 0.5%
- IT & office4 · 0.4%
- Trucks & trailers1 · 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 |
|---|---|---|---|---|
94 | SIM Harrisonburg | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | Nov 2023 |
89 | PAL Harrisonburg | Construction 49 mo old · late window+33Near the 48-month mark+7 | Caterpillar Financial Captive finance | Sep 2022 |
84 | S.L Harrisonburg | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | Wells Fargo Financial Leasing, Inc. Bank | Oct 2023 |
84 | H T Harrisonburg | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | FIRST CORPORATE SOLUTIONS, AS REPRESENTATIVE Other | Nov 2022 |
82 | COU Harrisonburg | Manufacturing 34 mo old · early+29Near the 36-month mark+4 | Toyota Industries Commercial Finance Captive finance | Dec 2023 |
81 | Par Harrisonburg | Equipment 37 mo old · peak window+35Near the 36-month mark+7 | Carter Machinery Company, Incorporated Other | Sep 2023 |
81 | Par Harrisonburg | Equipment 47 mo old · peak window+35Near the 48-month mark+7 | Carter Machinery Company, Incorporated Other | Dec 2022 |
79 | ATK Harrisonburg | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | Corporation Service Company, As Representative Other | Oct 2022 |
Equipment types in Harrisonburg
Nearby cities
- Rockingham280
- Luray194
- Bridgewater180
- Dayton176
- Elkton151
- Broadway119
- Mount Crawford111
- Edinburg79
- Mount Jackson71
- New Market70
- Timberville70
- Mount Solon69
Top lenders in Harrisonburg
- Caterpillar Financial60
- Pendleton Community Bank, Inc51
- Farmers & Merchants Bank29
- First-Citizens Bank and Trust Company24
- Atlantic Union Equipment Finance, Inc.23
- WEBBANK, its successors and assignees21
- John Deere Financial19
- Wells Fargo Vendor Financial Services, LLC17
- GreatAmerica Financial Services Corporation16
- The First Bank and Trust Co.14
Questions
How many equipment loans are active in Harrisonburg, VA?
How many equipment loans in Harrisonburg, VA end in the next six months?
Which lenders finance the most equipment in Harrisonburg, VA?
What equipment is financed most in Harrisonburg, VA?
Is Harrisonburg, 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.