LOAN TYPES: TEXAS CSO/CAB LOAN SOFTWARE
Powering Compliant, Profitable CSO & CAB Lending in Texas
Offer high-demand loan products while staying compliant with Texas regulations. EPIC’s CSO/CAB Loan Software is built to help you scale safely and profitably.
Purpose-Built Software for
Texas CSO & CAB Lending
Operating under Texas's CSO (Credit Services Organization) or CAB (Credit Access Business) model requires precision, flexibility, and airtight compliance. EPIC’s platform is designed to manage the unique workflows and requirements of Texas-based lenders using third-party loan funding models. We help you simplify operations, reduce risk, and increase profitability—without added overhead.
Automated Loan Structuring & Fee Configuration
Easily set up CSO/CAB fees (e.g., $20–$30 per $100 borrowed) and manage repayment terms, all within Texas’s legal framework.
Built-In Regulatory &
Compliance Tools
Stay aligned with OCCC regulations, 180-day term limits, and all state-mandated disclosures using automated audit-ready workflows.
Integrated 3rd Party
Loan Servicing
Track disbursements, manage collections, and handle renewals—while separating CSO/CAB fees from third-party principal and interest.
Borrower Access
Portal
An intuitive platform that gives borrowers full visibility into loan status and make payments or set up automatic payments.
Custom Reporting &
Real-Time Analytics
Monitor loan volume, repayment performance, and fee income with clear, customizable dashboards built for Texas lending models.
Cloud-Based & Scalable
Platform
Support high loan volumes and multiple locations across Texas with a secure, always-on infrastructure.
The Reasons Why EPIC the Favorite LMS of
Texas CSO & CAB Lenders in 2025
Built Specifically for the
Texas Market
We understand the legal, operational, and technical needs of CSO and CAB lenders—and we’ve built our platform to match.
More Operational
Control
From origination to payoff, manage every step of the borrower journey while keeping third-party lender funds fully separated.
Enhanced Profitability &
Predictability
Set fee structures and repayment terms that align with state law while supporting business growth and borrower convenience.
Compliance
Without the Guesswork
EPIC ensures you meet every state requirement with built-in rules, disclosures, and audit tools purpose-built for Texas lenders.
Access to Support from
Industry Experts
Our team understands the CSO/CAB lending environment—and we're here to help you launch, scale, and stay compliant.
Faster Implementation &
Smoother Scaling
Launch quickly with guided onboarding, pre-configured templates, and a platform built to grow alongside your lending operation.
Only 3 Steps to Begin Texas CSO or CAB Lending
Request a Live Expert Demo
See how EPIC’s CSO/CAB platform supports your unique lending model from setup to servicing.
Configure Lending Rules & Compliance Logic
Set your fee structure, loan terms, and compliance safeguards with help from our expert team.
Go Live & Lend With Confidence
Start originating loans, managing third-party partnerships, and growing your Texas lending operation with ease.
Explore Lending Models We Specialize In
Online
Loans
Streamline digital lending with automated approvals and borrower-friendly features.
Installment
Loans
Automate repayment schedules and borrower communications for long-term loans.
PayDay/FlexPay Loans
Optimize short-term lending with rapid approvals and same-day funding options.
Payroll Deduction
Loans
Repayments straight from the paycheck. Automated, reliable, and low-risk—for you and your borrowers.
Texas CSO/CAB
Loans
Compliant loan management for Texas lenders using third-party funding models.
Plus MUCH more! Have a question about a specific lending model?
Texas CSO & CAB Lending Has Never Been Easier
Texas CSO & CAB loans come with LOTS of compliance and regulations complexity that puts lenders at risk for costly penalties or worse. EPIC Loan Systems makes compliance and non-issue so you can focus on scaling your lending operation.
Have Questions? We’ve Got Answers!
Check out our FAQs for quick answers. Need additional help? Chat with us or schedule a demo to learn more.
What is Texas CSO/CAB loan management software, and how does it work?
Texas CSO/CAB loan management software is designed for Credit Services Organizations and Credit Access Businesses that facilitate loans through third-party lenders. EPIC Loan Systems automates every step of the CSO/CAB process from borrower applications and lender matching to fee management and compliance tracking, all within a secure online platform.
Why do Texas lenders choose EPIC Loan Systems for CSO/CAB loan management?
EPIC Loan Systems helps Texas-based CSOs and CABs operate more efficiently by automating fee tracking, borrower communications, and document management. The platform ensures full compliance with Texas lending laws and simplifies coordination between borrowers and third-party lenders.
What are the key benefits of using CSO/CAB loan management software in Texas?
With EPIC’s CSO/CAB platform, lenders can:
1. Automate service fee collection and accounting
2. Manage borrower-lender agreements digitally
3. Ensure compliance with Texas OCCC regulations
4. Maintain transparent borrower disclosures
5. Access real-time performance and revenue reports
How does EPIC Loan Systems help Texas CABs manage compliance requirements?
EPIC Loan Systems includes built-in compliance tools that align with Texas Credit Access Business regulations. It tracks state-mandated disclosures, fee limits, audit logs, and electronic signatures — helping CABs avoid regulatory violations.
Does EPIC Loan Systems support online and storefront CSO/CAB operations?
Absolutely. Whether you operate online or in a physical storefront, EPIC’s cloud-based system allows you to manage both digital and in-person borrower interactions, fee agreements, and loan transactions securely.
How does EPIC Loan Systems handle service fee tracking for CSOs/CABs?
The platform automatically calculates, tracks, and reports service fees charged by CSOs/CABs, ensuring full transparency and compliance with Texas regulations. It also provides detailed financial reporting for audit and accounting purposes.
Is EPIC’s CSO/CAB software scalable for multi-location businesses in Texas?
Yes. EPIC Loan Systems supports multi-branch management, allowing Texas CSOs and CABs to oversee multiple offices or lending partners under one unified system with user-level permissions and consolidated reporting.
Solutions
Loan Types
Sister Links
Company
Sales: +1 (954) 678-4600
Support: +1 (877) 305-EPIC
[email protected]
1200 SW 145th Ave
Suite 310
Pembroke Pines, FL. 33027
United States
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