Lincoln and Morgan

What Lincoln and Morgan does

Lincoln & Morgan, LLC is a privately held, San Diego-based professional services firm that has operated since 1990 specializing in commercial UCC lien mediation and enforcement. The firm serves secured commercial lien holders and commercial businesses with delinquent accounts, helping them locate, identify, and recover pledged collateral when borrowers default and refuse to surrender assets. Its core offerings include Commercial UCC Lien Mediation, Legal & Litigation via a national network of creditors rights attorneys, Asset Location Services, Full Financial Investigations on debtors and guarantors, AR Analysis training, and Commercial Mediation. The firm is structured as a California LLC with no institutional investors, no parent company, and no disclosed funding rounds, operating as a bootstrapped specialty provider in the commercial debt recovery sector.

The company's primary revenue mechanics are contingency-based recovery fees (typically 25-50% depending on claim age, status, and type), supplemented by a $500/hour professional services rate for investigation and mediation, and outright purchases of commercial UCC liens. Go-to-market is direct enterprise engagement via phone, email, and fax, with a free initial consultation. The firm operates primarily from a single San Diego headquarters at 600 West Broadway, Suite 700, while delivering services coast-to-coast through its network of investigators and attorneys, and internationally through a multilingual department with senior investigators covering 70+ countries and translating services spanning 100+ countries. There is no technology platform or AI component; the offering is built on relationships, legal network coverage, and 30+ years of domain specialization in finding, preserving, and reselling secured collateral. Revenue is not publicly disclosed, and no named customer logos, management team, or strategic transactions are available in the source materials.

Name

Lincoln and Morgan

Legal name

Lincoln & Morgan, LLC

Website

https://lincolnandmorgan.com

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

11–50 employees

Short description

Lincoln & Morgan is a privately held San Diego-based professional services firm that mediates and enforces commercial UCC liens, locates secured collateral, and recovers delinquent accounts for secured creditors and commercial businesses, leveraging a nationwide network of investigators and attorneys with international coverage in 70+ countries.

Ownership category

akta.pro rank

Product category

Commercial Debt Recovery and UCC Lien Enforcement

NAICS

Legal Services (5411)

SIC

Services-Legal Services (8111)

akta.pro industry

PRIMARYFSAEAFAI

Collections & Creditor Negotiation Support (Debtor-Side)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Credit & Debt Advisory (Restructuring, Counseling & Settlement)

Keywords

• Commercial debt recovery
• UCC lien enforcement
• Secured asset recovery
• Creditors rights mediation
• Accounts receivable management

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Contingency-Based Recovery Fees: Primary revenue stream from contingency fees on recovered assets and delinquent accounts. Rates vary based on claim amount, age, status, and type (e.g., 25-50% for standard claims, 40% plus costs for litigation).
2. Hourly Investigation and Mediation Services: Hourly rate of $500 per hour for investigation and mediation services available in lieu of contingency rates.
3. Purchased Commercial UCC Liens: Company also purchases commercial UCC liens directly, paying top dollar dependent on age, status, and amount of the claim.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Lincoln and Morgan is a commercial UCC lien mediation and forwarding firm that recovers secured assets and delinquent commercial accounts on behalf of secured creditors and businesses. It offers commercial UCC lien mediation and enforcement, legal and litigation recovery via a national network of creditors rights attorneys, custom collateral location and asset retrieval, full financial investigations on borrowers and guarantors, and accounts receivable management training. Services are delivered on a contingency-fee basis (typically 25-50% of recovery) or at an hourly rate of $500, and the firm also purchases commercial UCC liens directly.

Product overview

Lincoln and Morgan operates as a unified financial recovery and mediation firm offering a consolidated suite of services rather than a modular platform architecture. The core offerings include Commercial UCC Lien Mediation, Legal & Litigation, Asset Location Services, Full Financial Investigations, AR Analysis, and Commercial Mediation — all designed to work together within the accounts receivable recovery lifecycle, from initial investigation through asset retrieval and sale coordination.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial UCC Lien Mediation

Quantifiable outcome

• Probability of full recovery on delinquent accounts drops to 73.1% after 3 months, 50% after 6 months, and 25% after 1 year

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Hudson Cook, LLP: National law firm focused on creditor rights, consumer finance regulatory compliance, and commercial recovery matters. Directly comparable to Lincoln and Morgan's creditor-side mediation and litigation referral model.
• National Credit Recovery: Commercial debt collection agency serving secured creditors and businesses with delinquent commercial accounts. Operates in the same niche as Lincoln and Morgan's commercial UCC and AR recovery services.
• Anchor Receivables Management: Specialized commercial collection and recovery firm serving secured lenders with UCC enforcement capabilities. Closely mirrors Lincoln and Morgan's secured-asset recovery focus.
• Coast to Coast Legal Recovery: Legal recovery firm providing skip tracing, asset location, and creditor-rights legal services nationally. Directly comparable delivery model to Lincoln and Morgan.

Broad incumbents

• Encore Capital Group: Large publicly traded debt recovery and portfolio purchaser operating across consumer and commercial receivables. Operates in the same debt recovery category as Lincoln and Morgan but at vastly greater scale and broader scope.
• PRA Group (Portfolio Recovery Associates): Global acquirer and manager of distressed receivables with significant commercial recovery operations. Comparable in the portfolio-purchase dimension of Lincoln and Morgan's UCC lien purchasing business.
• Epiq Systems: Legal services and recovery-focused firm providing claims administration, creditor recovery, and litigation support to corporate clients. Comparable in the creditor-rights legal recovery layer that Lincoln and Morgan delivers via its attorney network.

Others

• Receivables Management Association International (RMAI): Industry association for the receivables management and commercial recovery industry. Relevant as the trade body governing standards that shape Lincoln and Morgan's operating practices and credibility signals.

Regional players

• I.R.S. / Commercial Collection Agencies Industry Members: ACA International is the largest trade association for the debt collection industry in the U.S., setting compliance standards relevant to Lincoln and Morgan's recovery practice. Functions as an industry ecosystem participant rather than a direct competitor.

Emerging players

• B-Line, LLC (Lien Index): UCC lien management and search platform providing technology-enabled UCC filing and tracking. Sits in the broader UCC enforcement ecosystem that Lincoln and Morgan operates within, and could be an emerging substitute or complementary tool.

Market position

Strengths5 records

Weaknesses1 record

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/lincolnmorganus
• LinkedInlinkedin.com/company/lincoln-and-morgan-04861720b

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lincoln and Morgan