Construction Credit & Finance Group

What Construction Credit & Finance Group does

Construction Credit & Finance Group (CCFG) is a Fort Myers, Florida-based B2B debt collection agency focused exclusively on the construction industry. Founded in 2020 as an LLC and operating as a subsidiary of McKinley Holdings Group, CCFG recovers outstanding receivables on a contingency basis for general contractors, specialty contractors (HVAC, plumbing, electrical, landscaping), material suppliers (steel, lumber, rebar, ready mix), and construction and agricultural equipment dealers. The company supports clients in 29 states for lien filings and collections and claims 50-state coverage for certain service lines, with no disclosed outside institutional funding and a headcount in the 11-50 range.

CCFG's service portfolio is built around a single core product (Construction Debt Collection) and five complementary offerings: Lien Notices & Filings, Credit Department Consulting, Asset Investigations, proprietary Debt Collection Software branded as Lariat Central, and Seminar Speaking. The technology backbone is a cloud-based collection management platform that centralizes claim intake (via online and bulk Excel submission), tracks workflow and communications, and provides clients with real-time status and reporting. Asset investigation capabilities include debtor asset identification, business and financial background research, liability analysis, and public-records research to inform recovery strategy. The firm is sole and preferred provider of commercial debt collection services to the Associated Equipment Distributors (AED) and maintains memberships in ARA, CLLA, IACC, ACA International, IRMCA, and the Florida Collectors Association.

Revenue is generated almost entirely through contingency fees calculated as a percentage of amounts collected, with rates scaled by account age, type, and escalation path: 20% for accounts 0-89 days delinquent, 25% for 90-365 days, 33.33% for accounts over one year, 40% for attorney-forwarded or consumer/residential accounts, and 50% for sub-$500 balances, second placements, judgments, or international claims. Distribution combines relationship-driven direct sales (with dedicated industry specialists per account) and self-serve digital channels, supported by state-targeted SEO, an industry blog, and active participation in construction and equipment industry events.

Name

Construction Credit & Finance Group

Legal name

Construction Credit & Finance Group, LLC

Website

https://ccfgcredit.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

CCFG is a Fort Myers, FL-based B2B debt collection agency exclusively serving the construction industry across 29+ U.S. states, offering contingency-based debt recovery, lien filings, asset investigations, credit consulting, and proprietary Lariat Central software, operating as a subsidiary of McKinley Holdings Group.

Ownership category

akta.pro rank

Product category

Commercial Debt Collection Services (Construction Industry)

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

Keywords

• Construction debt collection
• B2b commercial collections
• Mechanic's lien services
• Asset investigation services
• Credit consulting

Headquarters

HQ city

Fort Myers

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain, Others

Revenue model

1. Contingency-Based Debt Collection Fees: CCFG operates on a contingency basis where fees are calculated as a percentage of amounts collected. Fee tiers vary by account age and type: 20% for accounts 0-89 days delinquent, 25% for 90-365 days, 33.33% for accounts over 1 year, 40% for attorney-forwarded accounts, 50% for accounts under $500 principal value or second placements/judgments/international claims, and 40% for consumer/residential accounts. No recovery, no fee pricing model.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Construction Credit & Finance Group (CCFG) is a B2B commercial debt collection agency exclusively serving the construction industry. It recovers unpaid invoices for general contractors, specialty contractors, material suppliers, and equipment dealers through a structured 5-step recovery process combining pre-legal collections, lien and bond claims, legal referral, asset investigations, and credit department consulting. The firm operates on a contingency (no-recovery, no-fee) basis and is supported by a proprietary client-facing software platform, Lariat Central, for claim management and reporting.

Product overview

Construction Credit & Finance Group (CCFG) offers a unified B2B debt collection platform designed specifically for the construction industry. The core offering is Construction Debt Collection, supported by five complementary services: Lien Notices & Filings (for protecting payment rights through mechanic's liens and state-specific compliance), Credit Department Consulting (for improving internal credit policies), Asset Investigations (for uncovering debtor financial information), Debt Collection Software (a proprietary client portal for managing claims and tracking recovery workflows), and Seminar Speaking (for industry education). These six offerings work together as an integrated suite addressing the full debt recovery lifecycle for construction businesses, from prevention through collection and legal escalation.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 71% recovery rate in under 60 days for Flagstaff contractor with $63,000 in overdue accounts
• +4 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Associated Equipment Distributors (AED)coreGTM or Marketing PartnerCCFG is the sole and preferred provider of commercial debt collection services to AED, the largest Heavy Equipment Association in North America. This relationship provides exclusive access to AED member companies and positions CCFG as the recommended collections partner for equipment distributors across the industry.
• American Rental Association (ARA)minorGTM or Marketing PartnerARA Associate Member. CCFG participates as a member of the American Rental Association, an industry organization for equipment rental companies.
• Commercial Law League of America (CLLA)minorGTM or Marketing PartnerCLLA member organization supporting commercial collections industry standards and professional development.
• International Association of Commercial Collectors (IACC)minorGTM or Marketing PartnerIACC member representing commercial collection professionals and upholding industry standards.
• ACA InternationalminorGTM or Marketing PartnerACA International member providing resources and standards for the accounts receivable management and collection industry.
• International Receivables Management Collectors Association (IRMCA)minorGTM or Marketing PartnerIRMCA member supporting best practices in receivables management and commercial collections.
• Peer Executive GroupsminorStrategic or Co-development PartnerPeer Executive Groups provides peer advisory services and networking opportunities for business executives.
• General BarminorImplementation/ SI/ Consulting PartnerLegal services partner providing attorney network support for cases requiring legal escalation and litigation referral.
• Florida Collectors AssociationminorGTM or Marketing PartnerState-level collector association membership supporting compliance and networking within Florida's collection industry.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• EOS Solutions: EOS Solutions is an international receivables management and debt collection firm with significant U.S. commercial collections presence. It competes directly with CCFG in B2B collections, offering similar recovery and AR management services.
• Direct Recovery Associates: Direct Recovery Associates is a commercial debt collection agency serving B2B clients with contingency-based recovery services. It is comparable to CCFG in commercial collections offerings, fee structures, and target mid-market customer base.
• Transworld Systems: Transworld Systems is a large U.S. commercial debt collection and accounts receivable management firm that works with small and mid-sized businesses. It directly competes with CCFG in B2B recovery services and offers similar contingency-based pricing.
• National Credit Services: National Credit Services is a commercial debt collection agency focused on B2B recovery. It is directly comparable to CCFG in commercial collections service offerings, contingency fee structure, and mid-market client base.
• The CMI Group: The CMI Group is a commercial debt collection agency serving B2B clients across multiple industries. It is a direct competitor to CCFG in commercial collections, offering contingency-based recovery services with similar fee structures and nationwide reach.
• I C System: I C System is a commercial and consumer debt collection agency serving B2B clients across various industries. It is a direct competitor in the commercial collections space with similar contingency pricing and nationwide service capability.
• Receivables Performance Management (RPM): RPM is a commercial collections and accounts receivable management firm focused on B2B recovery. It is a direct competitor to CCFG in commercial debt collections, serving mid-market and enterprise clients with contingency-based fee structures.

Broad incumbents

• PRA Group: PRA Group is one of the largest debt buyers and collectors in the U.S., operating across consumer and commercial portfolios. While much broader and significantly larger than CCFG, it is comparable as a sizable industry incumbent in debt recovery services with nationwide infrastructure.
• Encore Capital Group: Encore Capital Group is a major global debt buyer and recovery firm. It is a broad industry incumbent operating across consumer and commercial credit portfolios and competes for collections market share, though it is significantly larger and more diversified than CCFG.
• Convergent Outsourcing: Convergent Outsourcing is a large U.S. collections and receivables management firm serving utilities, financial services, and commercial sectors. It is a broad incumbent offering overlapping capabilities with CCFG, though it operates across a wider portfolio of verticals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ccfgflorida
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/construction-credit-and-finance-group

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Construction Credit & Finance Group