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Banking & treasury
Operating, reserve, and association banking terms negotiated at federation scale. Treasury yields and deposit terms member firms can’t replicate alone.
Member-owned, member-governed. No outside investors. No public stock. The cooperative serves the operators, not the other way around.
CCA Global Partners is one of the largest privately held cooperatives in North America. It is not a holding company. It is not a franchise. It is a federation of industry-specific cooperatives, each owned by the independent operators it serves — flooring retailers, lighting showrooms, kitchen studios, bicycle dealers, and, with the addition of Innovia, community association management firms.
Each member co-op runs its own admissions, governance, and program for its industry. CCA at the top is the engine that makes the whole thing leverage: shared back-office infrastructure, consolidated banking and treasury, technology partnerships, and a board that has been running cooperatives at this scale since the 1980s — when founders Howard Brodsky and Alan Greenberg built the original 13-member flooring co-op into the country’s #1 floor-covering group.
Howard Brodsky and Alan Greenberg didn’t build Innovia inside CCA by accident. Two things drew the founding members in. First, the structural fit: CCA was already the country’s best example of a federation of industry cooperatives running successfully against consolidated capital. Second, the back-end leverage: CCA’s scale meant Innovia’s first vendor program could open with banking and treasury terms no independent CAM firm had ever seen.
Joining CCA didn’t make Innovia bigger. It made every member firm bigger, the day they joined. — The founding spirit of CCA Global Partners
Concretely: Innovia members can access the same pricing structures available across the CCA membership where it overlaps the CAM line items — banking, treasury, technology partnerships, and shared services. They run their companies independently, draft their own engagement letters, and serve their own boards — and they do it on the back of a vendor program negotiated across 1,225+ member locations in 18 countries.
None of that requires giving up a CAM owner’s independence. The whole point of the federation is that it doesn’t.
Six categories where the CCA umbrella materially changes the terms an independent CAM firm operates under. Detailed terms live in the member portal; the structure is below.
Operating, reserve, and association banking terms negotiated at federation scale. Treasury yields and deposit terms member firms can’t replicate alone.
Cooperative-scale training, leadership development, and best-practice sharing across the federation — the kind of professional development independents rarely build on their own.
Software vendor terms negotiated across the federation — AMS, accounting, AI tooling, call-center infrastructure, communications.
HR infrastructure, payroll, benefits, retirement plans, training programs — the kind of operating spine a national has built in, available to independents.
Working capital and acquisition finance structures designed for cooperative member firms, not private-equity roll-ups.
A board, an audit, and the cooperative-law experience to run an industry co-op without re-inventing the legal scaffolding from scratch.
Each CCA member cooperative serves a different industry but runs on the same principle: independent operators pooling buying power, sharing intelligence, and keeping their independence. Innovia is the federation’s entry into community association management.
The original CCA cooperative — 13 founding members grown into 1,000+ flooring stores.
Independent bicycle retailers competing against consolidated chains.
Closed-door flooring wholesale serving contractors, designers, and builders.
Independent lighting showrooms across the country.
Community association management. 80+ member firms across 28 states.
Independent kitchen and bath design studios.
A federation of operators is what independence looks like at scale.— The CCA model, in shorthand
If you run an independent CAM firm and you want the back-end leverage of a federation while keeping the brand, the engagement letters, and the boards you serve, this is the conversation.