Skip to Content

Real People. Real Lending. Real Support.

Expert loan servicing built on deep credit roots and a people-first mindset.

about Us

navigating the lending landscape since 1995

We’ve seen credit cycles, evolving regulations, and every borrower scenario imaginable and we’ve learned what truly works.

That experience allows us to do more than service loans. We help fintechs and lenders build strong, compliant servicing foundations based on proven best practices. We guide borrowers through their loan journey with clarity and care.

By combining deep credit expertise with advanced technology, we know how to reach borrowers where they are, engage them earlier, and manage loans with both efficiency and care.

Our Mission

Our primary focus remains on serving consumers with ethical, people-first lending across a broad range of financial solutions.

What Makes Us Different?

Proven track record and adaptability


There is a solution to every obstacle. We understand the challenges, the goals, and the life behind every loan.

We’re Not Just Fintech — We’re Human Tech


Advanced technology drives our loan servicing, but at the heart of every process is a real team dedicated to supporting people.

We Keep It Simple


Clear terms. Straightforward payments. No games, no gimmicks.

THE TEAM

Angela Wilkin

CEO/Owner

A lifelong Texan who has spent much of my career at FCCF, starting in 1997 and working my way through just about every seat in the house. From Customer Service Manager to CFO to COO, I didn’t skip steps, and that hands-on journey gave me a deep, practical understanding of how every aspect of the business really works.

In 2022, I became owner and CEO of FCCF. Since then, I’ve led the company into its modern era by upgrading technology, tightening operations, and building a high-performing organization fueled by grit, transparency, and a lot of heart. I’m known for pairing disciplined execution with inventive thinking, and for proving that a finance company can be both highly compliant and genuinely human.

I believe strong businesses are built by smart people who care, clear expectations, and systems that actually work. My leadership style is direct, collaborative, and rooted in one guiding principle: when you take care of people and do the right thing great results follow.

Erin Barrentine

Chief Compliance and Risk Officer

As Chief Compliance Officer, I oversee compliance, governance, and risk management at FCCF. I’ve spent the past 10 years with the company, growing through leadership roles before stepping into this position.

With over 25 years of compliance and legal experience, I’m passionate about creating clear, efficient processes that protect our customers, support our teams, and allow the business to grow responsibly. My approach blends regulatory discipline with practical solutions—and a strong belief that compliance should work for people, not against them.

Drew Wilkin

Chief Information Officer

As Chief Information Officer, my number one responsibility is safeguarding information—for every individual and organization we work with, including you. At FCCF, we make privacy and data protection a core company value. We uphold best practices across our entire operation, building a culture where innovation is always paired with a strong foundation for data security.

With experience in telecommunications, transportation, and financial services, my commitment is to consistent excellence. I know how to address urgent business needs while developing collaborative teams that communicate clearly and exceed expectations. It’s a careful balance of discipline, empathy, and results—with just the right touch of humor to keep us grounded and connected.

Above all, protecting your data is our highest priority. Thank you for taking the time to learn more about FCCF.

Michael Prince

Vice President of Operations

I have more than 36 years of experience in consumer lending, including 31 years focused on home improvement finance. Over the course of my career, I have built a strong foundation in operational leadership, risk management, and disciplined execution within highly regulated lending environments. I have served in executive and senior leadership roles across underwriting, processing, compliance, and enterprise operations, with a consistent focus on efficiency, quality, and sustainable growth. My background also includes sales and marketing experience, where I have partnered with contractors, supported go-to-market strategies, and helped drive program adoption through strong relationships and practical execution. One of the most important parts of my leadership approach is developing people. I am passionate about building high-performing teams, mentoring leaders, and creating opportunities for growth that strengthen engagement, accountability, and long-term success. As Vice President of Operations at FCCF, I draw on decades of industry experience to strengthen operations, support team development, enhance compliance, and help scale the business for continued growth.

Where We Operate

FCCF is headquartered in Plano, Texas and serves borrowers across the US — with more on the way.

Our company consistently meets or surpasses federal and state licensing requirements, ensuring a reliable and trustworthy service.

Compliance & ethics

FCCF is committed to ethical lending, data privacy, and regulatory transparency. We uphold comprehensive data security protocols and provide continuing education to our staff on industry compliance standards.

We also provide detailed disclosures and encourage all applicants to fully review their loan terms so there are no hidden surprises.