Updated November 11, 2026
Construction equipment loans in Stephens City, VA
Stephens City has 26 active UCC filings for construction equipment across 10 businesses, about 2.6 per business, so repeat borrowers are common. 12 new filings were recorded in the last 12 months, up 140% on the year before. 6 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 23% of the book. Caterpillar Financial dominates with 63% of active filings. Captive finance arms of the manufacturers write 100% 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
+140% on the year before
New equipment filings by month
Stephens City, VA, last 24 months. The current month is still coming in.
| 2024-12 | 2 |
|---|---|
| 2025-01 | 0 |
| 2025-02 | 0 |
| 2025-03 | 0 |
| 2025-04 | 0 |
| 2025-05 | 0 |
| 2025-06 | 0 |
| 2025-07 | 3 |
| 2025-08 | 0 |
| 2025-09 | 0 |
| 2025-10 | 0 |
| 2025-11 | 0 |
| 2025-12 | 0 |
| 2026-01 | 0 |
| 2026-02 | 0 |
| 2026-03 | 1 |
| 2026-04 | 1 |
| 2026-05 | 1 |
| 2026-06 | 2 |
| 2026-07 | 0 |
| 2026-08 | 4 |
| 2026-09 | 1 |
| 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 · 63.2%Captive finance
- John Deere Financial7 · 36.8%Captive finance
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 | D & Stephens City | Construction 53 mo old · late window+25Active, no continuation+10 | Caterpillar Financial Captive finance | Jun 2022 |
64 | E. Stephens City | Construction 29 mo old · early+15Active, no continuation+10 | Caterpillar Financial Captive finance | May 2024 |
62 | Tru Stephens City | Construction 34 mo old · early+29Near the 36-month mark+4 | John Deere Financial Captive finance | Dec 2023 |
57 | ZEN Stephens City | Construction 33 mo old · early+26Near the 36-month mark+2 | John Deere Financial Captive finance | Jan 2024 |
55 | E. Stephens City | Construction 1 mo old · too earlyActive, no continuation+10 | Not listed | Sep 2026 |
55 | D & Stephens City | Construction 2 mo old · too earlyActive, no continuation+10 | Not listed | Aug 2026 |
Construction in nearby cities
Construction across VirginiaTop lenders here
Questions
How many construction equipment loans are active in Stephens City, VA?
How many construction equipment loans in Stephens City, VA end in the next six months?
Which lenders finance the most construction equipment 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.