Updated November 11, 2026
Equipment financing activity in Waterford, VA
Waterford has 30 active UCC filings for equipment across 25 businesses. 5 new filings were recorded in the last 12 months, down 55% on the year before. 7 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. The market is spread out: Caterpillar Financial leads with 15%, followed by Kubota Credit at 10%. Agriculture is the largest equipment type, at 17%. Banks and credit unions hold 60%, 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
-55% on the year before
New equipment filings by month
Waterford, VA, last 24 months. The current month is still coming in.
| 2024-12 | 1 |
|---|---|
| 2025-01 | 0 |
| 2025-02 | 0 |
| 2025-03 | 0 |
| 2025-04 | 3 |
| 2025-05 | 1 |
| 2025-06 | 2 |
| 2025-07 | 1 |
| 2025-08 | 1 |
| 2025-09 | 0 |
| 2025-10 | 1 |
| 2025-11 | 1 |
| 2025-12 | 1 |
| 2026-01 | 1 |
| 2026-02 | 1 |
| 2026-03 | 0 |
| 2026-04 | 1 |
| 2026-05 | 0 |
| 2026-06 | 0 |
| 2026-07 | 1 |
| 2026-08 | 0 |
| 2026-09 | 0 |
| 2026-10 | 0 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Caterpillar Financial3 · 15.0%Captive finance
- Kubota Credit2 · 10.0%Captive finance
- Bank
- Bank
- The Freedom Bank of Virginia2 · 10.0%Bank
- North Mill Credit Trust1 · 5.0%Independent
- ATLANTIC UNION BANK1 · 5.0%Bank
- Sandy Spring Bank1 · 5.0%Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated21 · 70.0%
- Agriculture5 · 16.7%
- Construction3 · 10.0%
- Vehicles1 · 3.3%
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 |
|---|---|---|---|---|
64 | WIN Waterford | Agriculture 42 mo old · peak window+35Active, no continuation+10 | FARM CREDIT OF THE VIRGINIAS, ACA as agent/nominee Bank | May 2023 |
56 | KIN Waterford | Equipment 37 mo old · peak window+35Near the 36-month mark+7 | Wells Fargo Vendor Financial Services, LLC Bank | Oct 2023 |
53 | LOW Waterford | Equipment 46 mo old · peak window+35Near the 48-month mark+4 | C T CORPORATION SYSTEM, AS REPRESENTATIVE Other | Dec 2022 |
49 | Whe Waterford | Equipment 40 mo old · peak window+35Active, no continuation+10 | THE NATIONAL CAPITAL BANK OF WASHINGTON, N.A. Bank | Jun 2023 |
45 | PRE Waterford | Equipment 51 mo old · late window+29Near the 48-month mark+2 | The Freedom Bank of Virginia Bank | Jul 2022 |
42 | DOW Waterford | Agriculture 30 mo old · early+18Active, no continuation+10 | Kubota Credit Captive finance | Apr 2024 |
39 | ELM Waterford | Equipment 19 mo old · too earlyActive, no continuation+10 | CORPORATION SERVICE COMPANY, AS REPRESENTATIVE Other | Apr 2025 |
39 | Whe Waterford | Equipment 55 mo old · late window+20Active, no continuation+10 | U.S. SMALL BUSINESS ADMINISTRATION Other | Mar 2022 |
Nearby cities
- Manassas2,914
- Sterling2,248
- Chantilly1,668
- Herndon1,544
- Leesburg1,412
- Ashburn1,366
- Reston1,288
- Warrenton818
- Gainesville570
- Centreville501
- Purcellville431
- Haymarket410
Top lenders in Waterford
- Caterpillar Financial3
- Kubota Credit2
- FARM CREDIT OF THE VIRGINIAS, ACA as agent/nominee2
- Wells Fargo Vendor Financial Services, LLC2
- The Freedom Bank of Virginia2
- North Mill Credit Trust1
- ATLANTIC UNION BANK1
- Sandy Spring Bank1
- John Marshall Bank1
- THE NATIONAL CAPITAL BANK OF WASHINGTON, N.A.1
Questions
How many equipment loans are active in Waterford, VA?
How many equipment loans in Waterford, VA end in the next six months?
Which lenders finance the most equipment in Waterford, VA?
What equipment is financed most in Waterford, VA?
Is Waterford, 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.