Updated November 11, 2026
Equipment financing activity in Spotsylvania, VA
Spotsylvania has 389 active UCC filings for equipment across 248 businesses, about 1.6 per business, so repeat borrowers are common. 87 new filings were recorded in the last 12 months, up 10% on the year before. 100 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: Kubota Credit leads with 11%, followed by John Deere Financial at 6%. Agriculture is the largest equipment type, at 11%.
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
+10% on the year before
New equipment filings by month
Spotsylvania, VA, last 24 months. The current month is still coming in.
| 2024-12 | 8 |
|---|---|
| 2025-01 | 5 |
| 2025-02 | 8 |
| 2025-03 | 12 |
| 2025-04 | 6 |
| 2025-05 | 6 |
| 2025-06 | 6 |
| 2025-07 | 3 |
| 2025-08 | 5 |
| 2025-09 | 8 |
| 2025-10 | 10 |
| 2025-11 | 6 |
| 2025-12 | 6 |
| 2026-01 | 7 |
| 2026-02 | 9 |
| 2026-03 | 10 |
| 2026-04 | 6 |
| 2026-05 | 10 |
| 2026-06 | 8 |
| 2026-07 | 10 |
| 2026-08 | 3 |
| 2026-09 | 3 |
| 2026-10 | 9 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Kubota Credit23 · 10.5%Captive finance
- John Deere Financial13 · 5.9%Captive finance
- Caterpillar Financial10 · 4.6%Captive finance
- Bank
- Bank
- NEXTGEAR CAPITAL, INC.7 · 3.2%Independent
- Snap-on Credit6 · 2.7%Captive finance
- NU-KO CAPITAL LLC6 · 2.7%Independent
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated308 · 79.2%
- Agriculture43 · 11.1%
- Construction17 · 4.4%
- Blanket liens16 · 4.1%
- Medical2 · 0.5%
- Trucks & trailers2 · 0.5%
- IT & office1 · 0.3%
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 |
|---|---|---|---|---|
84 | M&M Spotsylvania | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | NU-KO CAPITAL LLC Independent | Oct 2023 |
84 | M&M Spotsylvania | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | NU-KO CAPITAL LLC Independent | Oct 2023 |
84 | M&M Spotsylvania | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | NU-KO CAPITAL LLC Independent | Oct 2023 |
84 | M&M Spotsylvania | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | NU-KO CAPITAL LLC Independent | Oct 2023 |
84 | M&M Spotsylvania | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | NU-KO CAPITAL LLC Independent | Oct 2023 |
84 | M&M Spotsylvania | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | NU-KO CAPITAL LLC Independent | Oct 2023 |
79 | Faw Spotsylvania | Agriculture 48 mo old · peak window+35Near the 48-month mark+10 | John Deere Financial Captive finance | Nov 2022 |
79 | Faw Spotsylvania | Agriculture 48 mo old · peak window+35Near the 48-month mark+10 | John Deere Financial Captive finance | Oct 2022 |
Equipment types in Spotsylvania
Nearby cities
- Stafford938
- Ruther Glen214
- Tappahannock158
- Locust Grove156
- Warsaw109
- Woodford108
- Milford85
- Lancaster80
- Montross78
- White Stone76
- Unionville56
- Reedville43
Top lenders in Spotsylvania
- Kubota Credit23
- John Deere Financial13
- Caterpillar Financial10
- Sheffield Financial, a division of Truist Bank9
- Wells Fargo Vendor Financial Services, LLC7
- NEXTGEAR CAPITAL, INC.7
- Snap-on Credit6
- NU-KO CAPITAL LLC6
- HUNTINGTON NATIONAL BANK5
- CNH Industrial Capital5
Questions
How many equipment loans are active in Spotsylvania, VA?
How many equipment loans in Spotsylvania, VA end in the next six months?
Which lenders finance the most equipment in Spotsylvania, VA?
What equipment is financed most in Spotsylvania, VA?
Is Spotsylvania, 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.