Updated November 12, 2026
Equipment financing activity in Richmond, VA
Richmond has 7,521 active UCC filings for equipment across 4,833 businesses, about 1.6 per business, so repeat borrowers are common. New filings held steady over the last 12 months at 1,600. 1,810 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 24% of the book. The market is spread out: TowneBank leads with 8%, followed by ATLANTIC UNION BANK at 5%. Banks and credit unions hold 61%, 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
+2% on the year before
New equipment filings by month
Richmond, VA, last 24 months. The current month is still coming in.
| 2024-12 | 158 |
|---|---|
| 2025-01 | 119 |
| 2025-02 | 104 |
| 2025-03 | 148 |
| 2025-04 | 117 |
| 2025-05 | 149 |
| 2025-06 | 129 |
| 2025-07 | 139 |
| 2025-08 | 127 |
| 2025-09 | 121 |
| 2025-10 | 135 |
| 2025-11 | 95 |
| 2025-12 | 233 |
| 2026-01 | 149 |
| 2026-02 | 151 |
| 2026-03 | 130 |
| 2026-04 | 120 |
| 2026-05 | 111 |
| 2026-06 | 126 |
| 2026-07 | 144 |
| 2026-08 | 112 |
| 2026-09 | 120 |
| 2026-10 | 156 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- TowneBank304 · 7.6%Bank
- ATLANTIC UNION BANK182 · 4.6%Bank
- WEBBANK, its successors and assignees136 · 3.4%Bank
- First-Citizens Bank and Trust Company109 · 2.7%Bank
- DLL86 · 2.2%Independent
- John Deere Financial81 · 2.0%Captive finance
- JPMorgan Chase Bank, NA81 · 2.0%Bank
- Caterpillar Financial79 · 2.0%Captive finance
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated6,804 · 90.5%
- Blanket liens291 · 3.9%
- Construction183 · 2.4%
- IT & office92 · 1.2%
- Agriculture85 · 1.1%
- Manufacturing35 · 0.5%
- Trucks & trailers15 · 0.2%
- Medical7 · 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 | EAR Richmond | Agriculture 48 mo old · peak window+35Near the 48-month mark+10 | CNH Industrial Capital Captive finance | Nov 2022 |
91 | LUC Richmond | Construction 47 mo old · peak window+35Near the 48-month mark+7 | Caterpillar Financial Captive finance | Nov 2022 |
88 | LUC Richmond | Construction 35 mo old · early+32Near the 36-month mark+7 | Caterpillar Financial Captive finance | Nov 2023 |
86 | EAR Richmond | Agriculture 45 mo old · peak window+35Near the 48-month mark+2 | Kubota Credit Captive finance | Feb 2023 |
84 | RVA Richmond | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | C T CORPORATION SYSTEM, AS REPRESENTATIVE Other | Nov 2023 |
84 | LYT Richmond | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | VFS US LLC Other | Oct 2023 |
84 | TY' Richmond | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | First-Citizens Bank and Trust Company Bank | Oct 2023 |
84 | RIV Richmond | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | The Huntington National Bank Bank | Oct 2023 |
Equipment types in Richmond
Questions
How many equipment loans are active in Richmond, VA?
How many equipment loans in Richmond, VA end in the next six months?
Which lenders finance the most equipment in Richmond, VA?
What equipment is financed most in Richmond, VA?
Is Richmond, VA equipment financing growing?
Source: UCC financing statements from the weekly UCC data file of the Virginia State Corporation Commission. Last updated November 12, 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.