Updated November 11, 2026
Equipment financing activity in Stephens City, VA
Stephens City has 158 active UCC filings for equipment across 107 businesses. 35 new filings were recorded in the last 12 months, down 10% on the year before. 38 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: Caterpillar Financial leads with 12%, followed by BANC OF AMERICA LEASING & CAPITAL, LLC at 10%. Construction is the largest equipment type, at 16%.
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
Stephens City, VA, last 24 months. The current month is still coming in.
| 2024-12 | 5 |
|---|---|
| 2025-01 | 2 |
| 2025-02 | 4 |
| 2025-03 | 3 |
| 2025-04 | 3 |
| 2025-05 | 1 |
| 2025-06 | 4 |
| 2025-07 | 5 |
| 2025-08 | 4 |
| 2025-09 | 4 |
| 2025-10 | 1 |
| 2025-11 | 5 |
| 2025-12 | 2 |
| 2026-01 | 0 |
| 2026-02 | 0 |
| 2026-03 | 5 |
| 2026-04 | 5 |
| 2026-05 | 4 |
| 2026-06 | 4 |
| 2026-07 | 0 |
| 2026-08 | 7 |
| 2026-09 | 4 |
| 2026-10 | 2 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Caterpillar Financial12 · 11.9%Captive finance
- Independent
- John Deere Financial7 · 6.9%Captive finance
- BANK OF CHARLES TOWN4 · 4.0%Bank
- Western Equipment Finance, Inc.4 · 4.0%Independent
- First Bank4 · 4.0%Bank
- Bank
- Auxilior Capital Partners, Inc.3 · 3.0%Independent
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated123 · 77.8%
- Construction26 · 16.5%
- Blanket liens4 · 2.5%
- Agriculture3 · 1.9%
- Trucks & trailers2 · 1.3%
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 |
|---|---|---|---|---|
88 | E. Stephens City | Construction 35 mo old · early+32Near the 36-month mark+7 | Caterpillar Financial Captive finance | Nov 2023 |
77 | CBL Stephens City | Construction 33 mo old · early+26Near the 36-month mark+2 | Caterpillar Financial Captive finance | Jan 2024 |
74 | Ble Stephens City | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | Corporation Service Company, As Representative Other | Nov 2023 |
74 | RIO Stephens City | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | QUANTUM 222 TRUST Other | Nov 2022 |
74 | POL Stephens City | Equipment 49 mo old · late window+33Near the 48-month mark+7 | CNB Bank Bank | Oct 2022 |
74 | D & Stephens City | Construction 53 mo old · late window+25Active, no continuation+10 | Caterpillar Financial Captive finance | Jun 2022 |
68 | MWC Stephens City | Equipment 35 mo old · early+32Near the 36-month mark+7 | C T CORPORATION SYSTEM, AS REPRESENTATIVE Other | Dec 2023 |
68 | J & Stephens City | Equipment 38 mo old · peak window+35Near the 36-month mark+4 | Keystone Equipment Finance Corp. Independent | Aug 2023 |
Equipment types in Stephens City
Nearby cities
- Winchester1,456
- Front Royal462
- Berryville182
- Woodstock156
- Strasburg145
- Middletown98
- Stephenson60
- Clear Brook49
- Linden37
- Maurertown36
- Cross Junction34
- Gore32
Top lenders in Stephens City
- Caterpillar Financial12
- BANC OF AMERICA LEASING & CAPITAL, LLC10
- John Deere Financial7
- BANK OF CHARLES TOWN4
- Western Equipment Finance, Inc.4
- First Bank4
- Wells Fargo Vendor Financial Services, LLC3
- Auxilior Capital Partners, Inc.3
- HORIZON FARM CREDIT, ACA3
- BANK OF CLARKE3
Questions
How many equipment loans are active in Stephens City, VA?
How many equipment loans in Stephens City, VA end in the next six months?
Which lenders finance the most equipment in Stephens City, VA?
What equipment is financed most in Stephens City, VA?
Is Stephens City, 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.