Updated November 12, 2026
Equipment financing activity in Waynesboro, VA
Waynesboro has 478 active UCC filings for equipment across 268 businesses, about 1.8 per business, so repeat borrowers are common. 118 new filings were recorded in the last 12 months, up 16% on the year before. 127 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 27% of the book. The market is spread out: CNH Industrial Capital leads with 10%, followed by The First Bank and Trust Co. at 8%. Agriculture is the largest equipment type, at 13%. Banks and credit unions hold 53%, 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
+16% on the year before
New equipment filings by month
Waynesboro, VA, last 24 months. The current month is still coming in.
| 2024-12 | 18 |
|---|---|
| 2025-01 | 3 |
| 2025-02 | 10 |
| 2025-03 | 8 |
| 2025-04 | 10 |
| 2025-05 | 9 |
| 2025-06 | 4 |
| 2025-07 | 7 |
| 2025-08 | 9 |
| 2025-09 | 9 |
| 2025-10 | 10 |
| 2025-11 | 9 |
| 2025-12 | 14 |
| 2026-01 | 10 |
| 2026-02 | 10 |
| 2026-03 | 11 |
| 2026-04 | 9 |
| 2026-05 | 11 |
| 2026-06 | 6 |
| 2026-07 | 9 |
| 2026-08 | 12 |
| 2026-09 | 9 |
| 2026-10 | 9 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- CNH Industrial Capital29 · 9.5%Captive finance
- The First Bank and Trust Co.23 · 7.5%Bank
- John Deere Financial20 · 6.6%Captive finance
- City National Bank of West Virginia12 · 3.9%Bank
- DuPont Community Credit Union11 · 3.6%Bank
- Caterpillar Financial10 · 3.3%Captive finance
- U.S. BANK EQUIPMENT FINANCE9 · 3.0%Bank
- Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated365 · 76.4%
- Agriculture61 · 12.8%
- Construction22 · 4.6%
- Blanket liens18 · 3.8%
- Manufacturing4 · 0.8%
- IT & office3 · 0.6%
- Vehicles3 · 0.6%
- Trucks & trailers2 · 0.4%
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 |
|---|---|---|---|---|
86 | MAT Waynesboro | Construction 45 mo old · peak window+35Near the 48-month mark+2 | John Deere Financial Captive finance | Jan 2023 |
84 | AUT Waynesboro | Agriculture 43 mo old · peak window+35Active, no continuation+10 | John Deere Financial Captive finance | Mar 2023 |
82 | AUT Waynesboro | Agriculture 34 mo old · early+29Near the 36-month mark+4 | John Deere Financial Captive finance | Dec 2023 |
74 | S.T Waynesboro | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | Corporation Service Company, As Representative Other | Oct 2023 |
74 | MAT Waynesboro | Construction 53 mo old · late window+25Active, no continuation+10 | John Deere Financial Captive finance | May 2022 |
72 | AUT Waynesboro | Agriculture 54 mo old · late window+23Active, no continuation+10 | John Deere Financial Captive finance | May 2022 |
72 | MAT Waynesboro | Construction 54 mo old · late window+23Active, no continuation+10 | John Deere Financial Captive finance | Apr 2022 |
72 | MAT Waynesboro | Construction 54 mo old · late window+23Active, no continuation+10 | John Deere Financial Captive finance | Apr 2022 |
Equipment types in Waynesboro
Nearby cities
- Charlottesville1,807
- Orange222
- Palmyra147
- Crozet133
- Troy122
- Ruckersville114
- Gordonsville109
- Fishersville96
- Barboursville79
- Earlysville76
- Charlottesvle70
- Afton69
Top lenders in Waynesboro
- CNH Industrial Capital29
- The First Bank and Trust Co.23
- John Deere Financial20
- City National Bank of West Virginia12
- DuPont Community Credit Union11
- Caterpillar Financial10
- U.S. BANK EQUIPMENT FINANCE9
- WEBBANK, its successors and assignees9
- Wells Fargo Bank, N.A.8
- Pendleton Community Bank, Inc8
Questions
How many equipment loans are active in Waynesboro, VA?
How many equipment loans in Waynesboro, VA end in the next six months?
Which lenders finance the most equipment in Waynesboro, VA?
What equipment is financed most in Waynesboro, VA?
Is Waynesboro, VA equipment financing growing?
Source: UCC financing statements from the weekly UCC data file of the Virginia State Corporation Commission. Last updated November 12, 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.