Texas CSO/CAB Loan Software | EPIC Loan Systems

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.

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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.

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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.

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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.

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Explore Lending Models We Specialize In

Online

Loans

Streamline digital lending with automated approvals and borrower-friendly features.

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Installment

Loans

Automate repayment schedules and borrower communications for long-term loans.

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PayDay/FlexPay Loans

Optimize short-term lending with rapid approvals and same-day funding options.

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Payroll Deduction

Loans

Repayments straight from the paycheck. Automated, reliable, and low-risk—for you and your borrowers.

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Texas CSO/CAB

Loans

Compliant loan management for Texas lenders using third-party funding models.

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Plus MUCH more! Have a question about a specific lending model?

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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.