Updated November 10, 2026
Equipment financing activity in Troy, VA
Troy has 122 active UCC filings for equipment across 63 businesses, about 1.9 per business, so repeat borrowers are common. 37 new filings were recorded in the last 12 months, up 23% on the year before. 22 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 18% of the book. The market is spread out: John Deere Financial leads with 19%, followed by First-Citizens Bank and Trust Company at 12%. Construction is the largest equipment type, at 16%. Banks and credit unions hold 47%, 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
+23% on the year before
New equipment filings by month
Troy, VA, last 24 months. The current month is still coming in.
| 2024-12 | 2 |
|---|---|
| 2025-01 | 5 |
| 2025-02 | 2 |
| 2025-03 | 4 |
| 2025-04 | 3 |
| 2025-05 | 1 |
| 2025-06 | 0 |
| 2025-07 | 4 |
| 2025-08 | 2 |
| 2025-09 | 2 |
| 2025-10 | 2 |
| 2025-11 | 1 |
| 2025-12 | 2 |
| 2026-01 | 4 |
| 2026-02 | 9 |
| 2026-03 | 3 |
| 2026-04 | 3 |
| 2026-05 | 3 |
| 2026-06 | 2 |
| 2026-07 | 3 |
| 2026-08 | 2 |
| 2026-09 | 2 |
| 2026-10 | 3 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- John Deere Financial16 · 18.8%Captive finance
- First-Citizens Bank and Trust Company10 · 11.8%Bank
- Kubota Credit5 · 5.9%Captive finance
- Bank
- Caterpillar Financial5 · 5.9%Captive finance
- Pioneer Bank4 · 4.7%Bank
- DLL3 · 3.5%Independent
- Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated87 · 71.3%
- Construction19 · 15.6%
- Agriculture13 · 10.7%
- Blanket liens1 · 0.8%
- Manufacturing1 · 0.8%
- Trucks & trailers1 · 0.8%
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 |
|---|---|---|---|---|
83 | CLE Troy | Manufacturing 46 mo old · peak window+35Near the 48-month mark+4 | Toyota Industries Commercial Finance Captive finance | Dec 2022 |
73 | CLE Troy | Equipment 35 mo old · early+32Near the 36-month mark+7 | Innovation Refunds Other | Dec 2023 |
71 | POR Troy | Equipment 37 mo old · peak window+35Near the 36-month mark+7 | Corporation Service Company, As Representative Other | Sep 2023 |
69 | STO Troy | Agriculture 49 mo old · late window+33Near the 48-month mark+7 | John Deere Financial Captive finance | Sep 2022 |
63 | OUT Troy | Equipment 35 mo old · early+32Near the 36-month mark+7 | Secured Lender Solutions, LLC Other | Nov 2023 |
63 | LIT Troy | Agriculture 35 mo old · early+32Near the 36-month mark+7 | Kubota Credit Captive finance | Nov 2023 |
61 | D B Troy | Equipment 39 mo old · peak window+35Near the 36-month mark+2 | First-Citizens Bank and Trust Company Bank | Jul 2023 |
61 | KFP Troy | Agriculture 45 mo old · peak window+35Near the 48-month mark+2 | John Deere Financial Captive finance | Jan 2023 |
Nearby cities
- Charlottesville1,807
- Waynesboro478
- Orange222
- Palmyra147
- Crozet133
- Ruckersville114
- Gordonsville109
- Fishersville96
- Barboursville79
- Earlysville76
- Charlottesvle70
- Afton69
Top lenders in Troy
- John Deere Financial16
- First-Citizens Bank and Trust Company10
- Kubota Credit5
- Wells Fargo Vendor Financial Services, LLC5
- Caterpillar Financial5
- Pioneer Bank4
- DLL3
- University of Virginia Community Credit Union, Inc.3
- Financial Pacific Leasing, Inc.2
- BMO Bank N.A., as Collateral Agent2
Questions
How many equipment loans are active in Troy, VA?
How many equipment loans in Troy, VA end in the next six months?
Which lenders finance the most equipment in Troy, VA?
What equipment is financed most in Troy, VA?
Is Troy, VA equipment financing growing?
Source: UCC financing statements from the weekly UCC data file of the Virginia State Corporation Commission. Last updated November 10, 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.