Products

Online Lending

EPIC offers a variety of short-term, smaller-dollar consumer lending software solutions.

Installment Lending

Installment Loans provides a full amortization option for short-term lenders, offering consumers equal payments for the life of the loan.

Installment Loans also allow you to explore multiple payment scenarios with the borrower before determining which one is most appropriate.

All critical loan lifecycle modules are included:

  • Lead Intake, Management and Duplication Filter
  • Loan Underwriting
  • Loan Management
  • Payment Management (with ACH & Debit Card Integrations)
  • Customizeable Marketing Engine (with Email & Text Communications)
  • Collections Management
FlexPay

Present the consumer with a schedule of payments, full disclosure of APR and loan terms for the loan life cycle, while allowing the consumer to execute an agreement that includes future renewals.

All critical loan lifecycle modules are included:

  • Lead Intake, Management and Duplication Filter
  • Loan Underwriting
  • Loan Management
  • Payment Management (with ACH & Debit Card Integrations)
  • Customizeable Marketing Engine (with Email & Text Communications)
  • Collections Management
Cash Advance

EPIC is the LMS of choice for online payday lenders nationwide. Get the benefit of a powerful end-to-end loan management solution, which is integrated with the most widely used ACH Payment Processors, Lead Providers and Underwriters.

All critical loan lifecycle modules are included:

  • Lead Intake, Management and Duplication Filter
  • Loan Underwriting
  • Loan Management
  • Payment Management (with ACH & Debit Card Integrations)
  • Customizeable Marketing Engine (with Email & Text Communications)
  • Collections Management

External Decisioning Gateway

EPIC gives you the ability to create your own internal rules and as well as to configure an underwriting waterfall. For most lenders these internal, system tools provide everything needed to control and manage the lead intake process.

However, some tech savvy lenders are looking for an edge – and EPIC offers one! It’s called EDGe (External Decisioning Gateway), which providers a powerful and flexible method for integrating external decisioning into the native EPIC underwriting workflow.

Using EDGe you can pass data to an outside system, process that data, and return a response back to EPIC for inclusion in the underwriting decision making process for a lead. If you’re a lender looking for this kind of EDGe, you’ve just found it with EPIC!

Reporting & Data Access

Data is king. Data analysis is critical to making sound business decisions that keep your portfolio in the black. Companies that capture and analyze data, discover insights, and take action on those insights are better positioned to compete.

EPIC gives you a variety of options for gaining access and insight into your portfolio data:

  • Internal System Reports
  • Custom Reports
  • Data Extracts
  • Portfolio Management Reports
  • DART (Data Access in Real Time)

API

EPIC is an open platform that can be utilized through web services. For advanced lenders who want to interact with the system outside of the robust web interface, an API is available for you to build your own external applications that are tightly coupled with EPIC’s advanced feature set.

The EPIC API is a RESTful programming interface that allows you to access data directly from EPIC products. Designed with security and flexibility in mind, the goal is to permit Lenders to retrieve and modify portfolio data related to customers, loans, payments, configuration options, marketing operations, and many other system modules.