Updated November 11, 2026
Equipment financing activity in Winchester, VA
Winchester has 1,456 active UCC filings for equipment across 829 businesses, about 1.8 per business, so repeat borrowers are common. New filings held steady over the last 12 months at 301. 353 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: Commercial Credit Group Inc. on behalf of itself and on behalf of all Affiliates of CCI leads with 7%, followed by John Deere Financial at 5%. Banks and credit unions hold 51%, 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
-1% on the year before
New equipment filings by month
Winchester, VA, last 24 months. The current month is still coming in.
| 2024-12 | 22 |
|---|---|
| 2025-01 | 33 |
| 2025-02 | 24 |
| 2025-03 | 25 |
| 2025-04 | 24 |
| 2025-05 | 18 |
| 2025-06 | 28 |
| 2025-07 | 30 |
| 2025-08 | 24 |
| 2025-09 | 23 |
| 2025-10 | 31 |
| 2025-11 | 31 |
| 2025-12 | 56 |
| 2026-01 | 25 |
| 2026-02 | 18 |
| 2026-03 | 23 |
| 2026-04 | 23 |
| 2026-05 | 26 |
| 2026-06 | 19 |
| 2026-07 | 18 |
| 2026-08 | 29 |
| 2026-09 | 17 |
| 2026-10 | 24 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Independent
- John Deere Financial42 · 4.5%Captive finance
- FIRST BANK39 · 4.2%Bank
- United Bank39 · 4.2%Bank
- BANK OF CLARKE38 · 4.1%Bank
- Bank
- Bank
- Bank of Clarke County22 · 2.4%Bank
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated1,262 · 86.7%
- Construction77 · 5.3%
- Blanket liens43 · 3.0%
- Agriculture25 · 1.7%
- Manufacturing17 · 1.2%
- Trucks & trailers14 · 1.0%
- Vehicles11 · 0.8%
- IT & office6 · 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 |
|---|---|---|---|---|
94 | Kev Winchester | Agriculture 36 mo old · peak window+35Near the 36-month mark+10 | Kubota Credit Captive finance | Oct 2023 |
94 | VIS Winchester | Construction 36 mo old · peak window+35Near the 36-month mark+10 | Caterpillar Financial Captive finance | Oct 2023 |
91 | AND Winchester | Agriculture 47 mo old · peak window+35Near the 48-month mark+7 | John Deere Financial Captive finance | Nov 2022 |
88 | C & Winchester | Trucks & trailers 46 mo old · peak window+35Near the 48-month mark+4 | PACCAR Financial Captive finance | Dec 2022 |
84 | USA Winchester | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | First-Citizens Bank and Trust Company Bank | Oct 2023 |
84 | C & Winchester | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | Wells Fargo Equipment Finance, Inc. Bank | Oct 2023 |
84 | Kev Winchester | Equipment 36 mo old · peak window+35Near the 36-month mark+10 | Wells Fargo Equipment Finance, Inc. Bank | Oct 2023 |
84 | CHA Winchester | Equipment 48 mo old · peak window+35Near the 48-month mark+10 | United Bank Bank | Oct 2022 |
Equipment types in Winchester
Nearby cities
- Front Royal462
- Berryville182
- Stephens City158
- Woodstock156
- Strasburg145
- Middletown98
- Stephenson60
- Clear Brook49
- Linden37
- Maurertown36
- Cross Junction34
- Gore32
Top lenders in Winchester
- Commercial Credit Group Inc. on behalf of itself and on behalf of all Affiliates of CCI67
- John Deere Financial42
- FIRST BANK39
- United Bank39
- BANK OF CLARKE38
- First-Citizens Bank and Trust Company34
- Wells Fargo Vendor Financial Services, LLC26
- Bank of Clarke County22
- Leaf Capital Funding, LLC20
- Caterpillar Financial18
Questions
How many equipment loans are active in Winchester, VA?
How many equipment loans in Winchester, VA end in the next six months?
Which lenders finance the most equipment in Winchester, VA?
What equipment is financed most in Winchester, VA?
Is Winchester, 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.