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Credit Solutions
1_Collections Icon
Collection Services Maximize Debt Recovery, Lower Write-Offs, and Improve Cash Flow
2_UCC Filings Icon
UCC Filing Services Protect Your Inventory, Equipment, and Receivables
3_Lien Process Icon
Notice & Mechanic's Lien Services Secure Your Payment Rights on Construction Projects
Credit Tools
9_Lien Calculator Icon
Tools to Save You Time & Money Commercial Collections: Less Write-Offs, More Confidence
4_Job Info App Icon
Job Info App Instantly Verify Job Details to Protect Lien and Bond Rights
5_LienFinder Icon
LienFinder™ Mechanic's Lien Data to Reduce Credit Risk
6_LienTracker Icon
Lien Tracker® Online Track Lien Deadlines and Send Preliminary Notices
7_Lien Digest Icon
National Lien Digest© State-by-State Lien Laws Summarized, Updated, Easy to Follow
8_OnDemand Webinars Icon
OnDemand Webinars Learn about UCCs and Mechanic's Liens at Your Convenience
Credit Resources
10_Credit Hero Blog Icon
Articles & News Discover the Latest Industry News and Insights
11_Case Study Icon
Case Studies Our Clients Share Their Experiences and Successes
12_Events
Upcoming Events Explore What's Next and Mark Your Calendar
8_OnDemand Webinars Icon
Real-Time Webinars Join Us for Our Expert-Led Webinars on UCCs, Notices, and Mechanic's Liens

A Rich History in Minimizing Credit Risk

Our Legacy of Credit Excellence: NCS Credit Since 1970

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The story of NCS Credit is one of family, growth, and unwavering dedication to excellence. From our early beginnings in 1970 to today’s industry leadership, we have continually evolved our services and technology to meet the changing needs of credit professionals.

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Expertise, Tools and Programs Specific to Your Business 

Your accounts are unique. We get that. With decades of knowledge managing commercial collections, we also know that industry-specific expertise gets the job done faster and more cost effectively. 

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Manufacturers

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Distributors

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Equipment Rental

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Financial Institutions

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Leasing Companies

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Material Suppliers

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Subcontractors

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Service Providers

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Decades of Expertise

Since 1970, NCS Credit has helped businesses across North America protect receivables and minimize credit risk through trusted solutions in collections, UCC filings, and lien management. For more than five decades, we’ve built lasting partnerships by combining proven expertise with a commitment to innovation and client success.

Industry Impact

We have supported manufacturers, distributors, subcontractors, rental companies, and financial institutions with tailored solutions that help them reduce risk and get paid faster.
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Billions of Dollars Protected So Far

Billions of dollars protected in serveral industries, including working with construction suppliers.

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Thousands of Credit Pros Educated

Thousands of experts like you have benefited from our in-person and web-based training and webinars.

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50+ Years of Uncompromising Excellence

More than half a century dedicated to helping credit professionals get paid.

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Billions of Dollars Protected So Far

Billiions of dollars protected in serveral industries, including working with construction suppliers.

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Thousands of Credit Pros Educated

Thousands of experts like you have benefited from our in-person and web-based training and webinars.

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50+ Years of Uncompromising Excellence

More than half a century dedicated to helping credit professionals get paid.

We’ve Helped Others Just Like You

Behind every successful company is a successful credit professional who ensures payments get made. Here are a few companies we have helped to build and maintain success.

The People Behind the Process

At NCS Credit, our people, process, and performance set us apart. We tailor programs to your needs, provide ongoing guidance, and adjust as your risk strategies evolve. More than a service provider, we are your long-term business partner.
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Our History

 

The story of NCS Credit is one of family, growth and success anchored in a belief of uncompromising excellence and ever-advancing technology.
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Founded in 1970 by Howard V. Cowan as a commercial collection agency, NCS Credit’s goal was to form trusted partnerships and provide exceptional debt recovery services. In the early 1980’s NCS Credit earned a reputation as a leading authority in the corporate credit industry and expanded its services to meet the needs of its credit professionals by adding the Construction, UCC and Publication Service Groups (now known as Notice & Mechanic’s Lien Services, UCC Services, and Education & Resources). The company’s focus was on Securing Your Tomorrow®.

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After 20 years in business, at the age of 52, Howard began to feel financially secure and started to enjoy extended vacations. Within a short time thereafter, on September 1, 1990, tragedy struck with his sudden death. In the midst of tremendous sorrow and grief, the Cowan family united and became resolute to continue Howard’s dream.

Today NCS Credit serves clients throughout the U.S. and Canada as a commercial debt recovery service and has gained national recognition as the premier leader for securing accounts through the Mechanic’s Lien laws and Article 9 of the Uniform Commercial Code. NCS Credit is the only business that offers solutions to these often complex legal processes within one organization.

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The company’s commitment to serve with integrity and valued advice gave rise to The National Lien Digest© and later inspired the software development of LienTracker®. Both products are considered essential resources used by the smallest to the largest Fortune 500 companies for serving notices, filing liens and bond claims. Every client has a secured portal, accessed through the NCS Credit website, to view personal account information.

 
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NCS Credit proudly boasts of educating thousands of credit professionals over the years in the U.S. and Canada through our events, resources, webinars and social media.

More than five decades later, NCS Credit continues to be a family-run organization, carrying on the founder’s goal of excellence in all we do to secure our clients’ tomorrows.

Our History

The story of NCS Credit is one of family, growth and success anchored in a belief of uncompromising excellence and ever-advancing technology.

Founded in 1970 by Howard V. Cowan as a commercial collection agency, NCS Credit’s goal was to form trusted partnerships and provide exceptional debt recovery services. In the early 1980’s NCS Credit earned a reputation as a leading authority in the corporate credit industry and expanded its services to meet the needs of its credit professionals by adding the Construction, UCC and Publication Service Groups (now known as Notice & Mechanic’s Lien Services, UCC Services, and Education & Resources). The company’s focus was on Securing Your Tomorrow®.
Howard-and-family
Dee-Cowan-newspaper

After 20 years in business, at the age of 52, Howard began to feel financially secure and started to enjoy extended vacations. Within a short time thereafter, on September 1, 1990, tragedy struck with his sudden death.

In the midst of tremendous sorrow and grief, the Cowan family united and became resolute to continue Howard’s dream.

Today NCS Credit serves clients throughout the U.S. and Canada as a commercial debt recovery service and has gained national recognition as the premier leader for securing accounts through the Mechanic’s Lien laws and Article 9 of the Uniform Commercial Code. NCS Credit is the only business that offers solutions to these often complex legal processes within one organization.

The company’s commitment to serve with integrity and valued advice gave rise to The National Lien Digest© and later inspired the software development of LienTracker®. Both products are considered essential resources used by the smallest to the largest Fortune 500 companies for serving notices, filing liens and bond claims. Every client has a secured portal, accessed through the NCS Credit website, to view personal account information.
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Tradeshow

NCS Credit proudly boasts of educating thousands of credit professionals over the years in the U.S. and Canada through our events, resources, webinars and social media.

More than five decades later, NCS Credit continues to be a family-run organization, carrying on the founder’s goal of excellence in all we do to secure our clients’ tomorrows.

Why NCS Credit Is the Partner Credit Professionals Trust

What started as a small team committed to helping businesses get paid has grown into a trusted partner with a national network of experts, transparent pricing, and a proven record of innovation.

Proven Legacy

Over 50 years of excellence in credit risk management, collections, and lien services across diverse industries.

Proven Legacy

Over 50 years of excellence in credit risk management, collections, and lien services across diverse industries.

People-First Culture

We invest in our team and clients alike, building careers, relationships, and customized solutions that last.

People-First Culture

We invest in our team and clients alike, building careers, relationships, and customized solutions that last.

Industry Expertise

From construction to energy, our specialists deliver tailored strategies that protect receivables and reduce risk.

Industry Expertise

From construction to energy, our specialists deliver tailored strategies that protect receivables and reduce risk.

Transparent Pricing

Flat-fee programs and real-time project tracking ensure clarity, control, and confidence from day one.

Transparent Pricing

Flat-fee programs and real-time project tracking ensure clarity, control, and confidence from day one.

Strategic Partnerships

We collaborate with leading credit associations and tech providers to expand your access to tools and insights.

Strategic Partnerships

We collaborate with leading credit associations and tech providers to expand your access to tools and insights.

Continuous Innovation

Our services evolve with your needs, driven by technology, education, and a commitment to getting you paid faster.

Continuous Innovation

Our services evolve with your needs, driven by technology, education, and a commitment to getting you paid faster.

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Focused Solutions, Broad Network

Providing you with a highly specialized service requires a deep and versatile network of experts to get things done. With access to in-house teams for personalized service and a web of experts for industry- or process-specific solutions, NCS Credit can bring you the best of both worlds.

Want to learn more about how our strategic partnerships can help you get paid?

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Reach Out Today to Get Started

Our experts are at the ready to answer all your questions about Collections, UCC Filings, Notices & Liens, and more!

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