Updated November 11, 2026
Equipment financing activity in Lynchburg, VA
Lynchburg has 1,295 active UCC filings for equipment across 785 businesses, about 1.6 per business, so repeat borrowers are common. 275 new filings were recorded in the last 12 months, up 7% on the year before. 337 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: First National Bank leads with 7%, followed by First-Citizens Bank and Trust Company at 5%. Banks and credit unions hold 56%, 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
+7% on the year before
New equipment filings by month
Lynchburg, VA, last 24 months. The current month is still coming in.
| 2024-12 | 27 |
|---|---|
| 2025-01 | 25 |
| 2025-02 | 16 |
| 2025-03 | 29 |
| 2025-04 | 26 |
| 2025-05 | 28 |
| 2025-06 | 15 |
| 2025-07 | 21 |
| 2025-08 | 12 |
| 2025-09 | 23 |
| 2025-10 | 20 |
| 2025-11 | 20 |
| 2025-12 | 33 |
| 2026-01 | 29 |
| 2026-02 | 16 |
| 2026-03 | 26 |
| 2026-04 | 29 |
| 2026-05 | 20 |
| 2026-06 | 14 |
| 2026-07 | 16 |
| 2026-08 | 20 |
| 2026-09 | 25 |
| 2026-10 | 29 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- First National Bank58 · 7.1%Bank
- Bank
- Kubota Credit38 · 4.7%Captive finance
- PINNACLE BANK35 · 4.3%Bank
- BANK OF THE JAMES34 · 4.2%Bank
- SELECT BANK28 · 3.4%Bank
- The First Bank and Trust Co.26 · 3.2%Bank
- Toyota Industries Commercial Finance23 · 2.8%Captive finance
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated1,093 · 84.4%
- Agriculture65 · 5.0%
- Blanket liens41 · 3.2%
- Construction37 · 2.9%
- Manufacturing30 · 2.3%
- IT & office19 · 1.5%
- Vehicles6 · 0.5%
- Trucks & trailers3 · 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 |
|---|---|---|---|---|
89 | C A Lynchburg | Agriculture 36 mo old · peak window+35Near the 36-month mark+10 | Kubota Credit Captive finance | Oct 2023 |
86 | C A Lynchburg | Manufacturing 37 mo old · peak window+35Near the 36-month mark+7 | Toyota Industries Commercial Finance Captive finance | Oct 2023 |
84 | F. Lynchburg | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | M&T EQUIPMENT FINANCE CORPORATION Independent | Nov 2022 |
79 | JM Lynchburg | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | AMPLUS 223 TRUST Other | Oct 2023 |
79 | ENG Lynchburg | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | Carter Machinery Company, Incorporated Other | Oct 2023 |
79 | F. Lynchburg | Equipment 49 mo old · late window+33Near the 48-month mark+7 | M&T EQUIPMENT FINANCE CORPORATION Independent | Sep 2022 |
79 | Pro Lynchburg | Equipment 49 mo old · late window+33Near the 48-month mark+7 | Highland Capital Corporation Independent | Sep 2022 |
78 | Con Lynchburg | Equipment 46 mo old · peak window+35Near the 48-month mark+4 | Private individual Other | Dec 2022 |
Equipment types in Lynchburg
Nearby cities
- Danville623
- Forest447
- Scottsville278
- Bedford276
- South Boston217
- Chatham198
- Appomattox149
- Rustburg148
- Madison Heights129
- Altavista115
- Evington96
- Amherst93
Top lenders in Lynchburg
- First National Bank58
- First-Citizens Bank and Trust Company44
- Kubota Credit38
- PINNACLE BANK35
- BANK OF THE JAMES34
- SELECT BANK28
- The First Bank and Trust Co.26
- Toyota Industries Commercial Finance23
- Caterpillar Financial22
- Wells Fargo Vendor Financial Services, LLC19
Questions
How many equipment loans are active in Lynchburg, VA?
How many equipment loans in Lynchburg, VA end in the next six months?
Which lenders finance the most equipment in Lynchburg, VA?
What equipment is financed most in Lynchburg, VA?
Is Lynchburg, 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.