NACM STS is operated by the National Association of Credit Management, a credit-industry organization founded in 1896 and headquartered in Columbia, Maryland. STS functions as an extension of a contractor's credit team, specifically built around the nuances of construction receivables. For HVAC contractors, especially those running commercial service agreements, equipment-supply deals, or new-construction jobs, STS provides a one-stop shop for every statutory step required to protect payment rights.
STS's core services include preliminary notice preparation and filing, mechanic's lien filing through a national attorney network, bond claim and Miller Act filings, UCC filings, waiver management, demand letters, and bond-payment investigations. Every filing option includes an automatic next-action notification so HVAC credit managers never miss a lien or suit deadline. The proprietary Lien Navigator tool is an authoritative guide to notice, lien, bond, and suit-time requirements across the United States and Canada and is used as a daily reference by credit professionals across trades.
Because STS sits inside a nearly 130-year-old credit association, it offers something DIY software alternatives can't: a peer community of credit managers, NACM-affiliated industry trade groups (including Construction Industry Credit Groups), and educational content built specifically for credit and collections teams. For HVAC companies with a dedicated credit manager or a CFO overseeing AR, STS provides the infrastructure of a Fortune-500 credit department at association-member pricing.