Updated November 11, 2026
Construction equipment loans in Harrisonburg, VA
Harrisonburg has 82 active UCC filings for construction equipment across 17 businesses, about 4.8 per business, so repeat borrowers are common. 23 new filings were recorded in the last 12 months, up 28% 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 29% of the book. Caterpillar Financial dominates with 81% of active filings. Captive finance arms of the manufacturers write 99% 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
+28% on the year before
New equipment filings by month
Harrisonburg, VA, last 24 months. The current month is still coming in.
| 2024-12 | 1 |
|---|---|
| 2025-01 | 2 |
| 2025-02 | 1 |
| 2025-03 | 3 |
| 2025-04 | 1 |
| 2025-05 | 0 |
| 2025-06 | 2 |
| 2025-07 | 0 |
| 2025-08 | 2 |
| 2025-09 | 5 |
| 2025-10 | 0 |
| 2025-11 | 1 |
| 2025-12 | 2 |
| 2026-01 | 6 |
| 2026-02 | 0 |
| 2026-03 | 0 |
| 2026-04 | 2 |
| 2026-05 | 1 |
| 2026-06 | 3 |
| 2026-07 | 3 |
| 2026-08 | 2 |
| 2026-09 | 0 |
| 2026-10 | 3 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Caterpillar Financial60 · 81.1%Captive finance
- John Deere Financial13 · 17.6%Captive finance
- Independent
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 |
76 | ROC Harrisonburg | Construction 47 mo old · peak window+35Near the 48-month mark+7 | Caterpillar Financial Captive finance | Nov 2022 |
74 | PAL Harrisonburg | Construction 53 mo old · late window+25Active, no continuation+10 | Caterpillar Financial Captive finance | May 2022 |
72 | PAL Harrisonburg | Construction 32 mo old · early+23Active, no continuation+10 | Caterpillar Financial Captive finance | Feb 2024 |
69 | Roc Harrisonburg | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | Oct 2023 |
69 | ROC Harrisonburg | Construction 41 mo old · peak window+35Active, no continuation+10 | Caterpillar Financial Captive finance | Jun 2023 |
69 | ROC Harrisonburg | Construction 42 mo old · peak window+35Active, no continuation+10 | Caterpillar Financial Captive finance | Apr 2023 |
Top lenders here
Questions
How many construction equipment loans are active in Harrisonburg, VA?
How many construction equipment loans in Harrisonburg, VA end in the next six months?
Which lenders finance the most construction equipment 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.