NCCG, Inc

09/25/2026

Every month an invoice goes unpaid, it gets harder to collect, and less of that money ever comes back into your business. At 90 days past due, the odds of collecting are about 69%. At one year, they're closer to 1 in 5.

That lost revenue could have gone to payroll, materials or growth. NCCG helps on both fronts: we build internal collections processes that keep invoices from slipping, and we recover the accounts that are already past due.

Don't wait on your receivables. Let's talk. 👉 nccginc.com

08/24/2026

There's a version of this where you stop needing us for most of it.

Placing accounts with a collection agency works. We're good at it, and for a lot of companies it's exactly right. But it's treatment, not a cure — because next quarter produces a fresh batch of the same problem, generated by the same process that produced the last one.

The alternative is building the capability inside your own company. That's the consulting side of what we do, and it looks like this:

A collections function that actually functions. Who owns the follow-up. What happens at day 15, day 30, day 45 — automatically, not when somebody remembers. What gets escalated, when, and to whom. Most companies don't have a collections process; they have a person who gets around to it. Those are very different things.

Lien filing capability in-house. Your team knowing the notice requirements, tracking deadlines by state and role, and filing without calling a vendor every time. For a contractor working multiple states, this is often the single highest-leverage thing to bring in-house — because the deadline doesn't care how busy you were.

The credit decisions upstream. A meaningful share of collections problems are underwriting problems wearing a disguise. Who you extend terms to, how much, and on what documentation. Fixing this end reduces the volume at the other end.

We'll say the obvious part: this is a real investment, and it costs more up front than placing a few accounts. It's worth it when your receivables problem is structural rather than occasional — when it's the same issue every quarter with different invoice numbers.

If that describes your last four quarters, let's talk about what it would take.

📞 (833) 212-NCCG

08/21/2026

If they're not paying you, they're not paying anyone else either.

That's not a guess. It's how it always goes. A business in trouble doesn't stop paying one vendor — it stops paying all of them, in whatever order buys the most time.

Which means you're standing in a line you can't see. And every week you spend sending another polite follow-up, somebody else in that line stops being polite and moves ahead of you.

The vendors who get paid in these situations aren't the ones owed the most. They're the ones who escalated first.

We work commercial collections on contingency — no recovery, no fee. No retainer, no hourly billing, nothing new on your books to justify to anybody. And if there's a lien on the property, we've got attorneys who can take it all the way to foreclosure.

Veteran-owned, family-run, Lewisville TX, all 50 states.

Got an account you've started to feel uneasy about? That feeling is usually right, and it's usually early. Call while it's still early.

📞 (833) 212-NCCG 🔗 nccginc.com/contact

08/19/2026

Slow isn't just late. Slow is less.

Industry data compiled by the Commercial Collection Agencies of America puts the collectability of a past-due commercial account at roughly:

• 1 month late — 88.7% • 3 months late — 68.9% • 6 months late — 51.3% • 9 months late — 37.5% • 12 months late — 21.4% • 24 months late — 8.9%

At one year, four out of five dollars are gone. Not disputed. Not negotiated down. Just gone.

And nothing happened in between. Nobody made a decision. The invoice sat in a folder while somebody kept meaning to follow up.

Put this next to Wednesday's DSO math and you get the full picture: carrying receivables costs you the use of the money and a shrinking share of the money itself. Those aren't two problems. They're the same problem measured twice.

Which is the argument for fixing the process rather than chasing accounts one at a time. Chasing is treatment. Process is a cure.

What's the oldest invoice you've got out there right now? Drop the age in the comments — we'll tell you honestly whether it's worth pursuing.

08/18/2026

Most firms do one of these. We do all three, on the same file.

Step 1 — We file the lien. Notices, deadlines, filing. Done right and done on time.

Step 2 — They still don't pay? We collect. Contingency-based, so there's no new invoice on your desk to justify. A lien on the property is real leverage, and we know how to use it.

Step 3 — Collections don't land? Our attorneys foreclose. The lien isn't decoration. It's an enforceable claim against the property, and when it comes to that, we've got the legal side in-house.

Here's why that matters more than it sounds like it does.

The usual version goes like this: you use a filing service for the lien. It expires or it doesn't work, so you find a collection agency. They give up, so you go find a construction attorney, who starts from zero because he's never seen the file. Three vendors, three intake processes, three times explaining the same job — and months burning off the clock while you do it.

One file. One firm. Each step escalates without anyone starting over.

Not sure where your deadline sits? Free calculator: nccginc.com/lien-deadline-calculator

08/18/2026

Your DSO is not an accounting metric. It's a dollar amount sitting in someone else's bank account.

Here's the math, and it's simple enough to do on your phone.

Cash tied up in receivables = your DSO × (annual revenue ÷ 365).

Run a $5M business? Every 10 days of DSO is $137,000 of your money out on the street. Here's what that looks like across a realistic range:

• 30 days — $411,000 tied up • 45 days — $616,000 • 60 days — $822,000 • 75 days — $1,027,000 • 90 days — $1,233,000

Cut from 75 days to 45 and you free up $411,000 in cash. Not new revenue — cash you already earned, just sitting somewhere it shouldn't be. Permanently freed, not a one-time bump.

And that's before the second cost. Money you don't have is money you can't deploy. It's the crew you didn't hire, the equipment you financed instead of bought, the job you passed on because you couldn't float materials. Nobody puts that on a P&L, but every owner has felt it.

Then the third cost, which is the brutal one: the longer an account sits, the less of it you ever collect. Slow doesn't just mean late. Slow means less.

Most companies have never run this number. Run yours. If it's bigger than you expected, that's a solvable problem — and solving it permanently is a different conversation than placing a few accounts.

📞 (833) 212-NCCG

08/17/2026

There are three ways we help contractors get paid. Most people only know about one of them.

1. We file your liens. Built into your process, not bolted onto it. You send us the job, we handle the notices and the filing, and your deadlines stop being something you have to remember.

2. We collect. Work complete and still unpaid? We work it on contingency — no recovery, no fee. And if a lien is already on file and they still won't pay, we've got attorneys who can foreclose on it. Lien, collections, foreclosure — one firm, one file, no handoffs to strangers.

3. We build the capability inside your company. This is the one nobody expects. We'll come in and build or rebuild your internal collections department, or train your team to handle lien filing in-house. Not a service you rent forever — a function you own.

Veteran-owned, family-founded, out of Lewisville, Texas. All 50 states.

We started this page to be useful, not to advertise. Every week: what your rights actually are, what slow payment is really costing you, and what to do about it.

Follow along. Bring questions — we answer them.

📞 (833) 212-NCCG

08/17/2026

Roofers: the work is done. The claim was paid. You're not a bank.

Let's be specific about what we're talking about, because this isn't a job in limbo or a homeowner still deciding. The tear-off happened. The material got delivered. Your crew was on that roof. You covered labor, materials, and overhead out of your own pocket, and the carrier has already released money on the file.

You should have been paid weeks ago. Instead you're carrying it.

That's the part worth naming plainly: every completed job sitting unpaid is a loan you made. You underwrote it, you funded it, and nobody's paying you interest on it. Meanwhile your suppliers got paid on terms, your crew got paid on Friday, and your insurance premium cleared on the first.

So where is your money actually sitting?

1. Recoverable depreciation the carrier is still holding. They paid ACV up front and held the rest back. That holdback releases when completion documentation and a final invoice get submitted — and if nobody filed it, it sits with the carrier indefinitely. Nobody at the carrier is going to call and remind you.

2. Mortgage escrow. On larger claims the servicer is on the check and releases in draws tied to inspections. The final draw requires a completion inspection somebody has to actually request. Until then your money earns interest in the servicer's account.

3. Supplements that were performed but never formally submitted. The work is in your file and on that roof. It never became an approved supplement, so it never got funded.

4. The homeowner's account. Full proceeds issued and kept. At that point it's the simplest version of the problem — a completed job and an unpaid contract.

Here's why chasing this like a normal past-due invoice doesn't work: the money isn't gone, and in three of those four cases the homeowner isn't even the one holding it. You can spend six months being firm with somebody who physically cannot pay you, because the funds are sitting with a servicer or a carrier waiting on a document nobody filed.

Roofing is the one trade where we handle residential alongside commercial, specifically because of files like these. We know how carriers, servicers, and adjusters move money, and we know which document unlocks which account.

Pull your list of completed jobs with approved claims that never paid. If that list is longer than you'd like, let's go through it.

📞 (833) 212-NCCG 🔗 nccginc.com/contact

07/29/2026

Check out this podcast that our Director of Business Development did with Tim Brown !

How has it already been two years?!

In this insightful episode , join us as we delve into the world of ...

11/29/2023

A few of our team members had a blast at the x event today. We utilize every opportunity we can to support the industry and learn how to best serve our clients in their perspective industries. Shoot us a message or give us a call so you can learn how to drive cash flow to your business quicker without alienating your customers.