SOLUTIONS: EXTERNAL DECISIONING ENGINE

Make Smarter Lending Decisions, Faster

Your team needs the right tools to provide fast, accurate answers to borrowers. With EPIC’s external decisioning engine, your team can seamlessly access advanced third-party data, enhancing underwriting accuracy and enabling real-time lending decisions. Give your CSRs the power to streamline approvals while ensuring compliance and reducing risk.

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Smarter Decisioning Starts Here

EPIC Solves What Slows You Down

Common Decisioning

Challenges for Lenders:

Here's How EPIC

Solves Them

Manual decision-making creates delays, frustrating both CSRs and borrowers.

Limited data leads to higher risk and inconsistent underwriting.

Outdated systems make it difficult for CSRs to provide quick, informed responses.

Real-Time Decisioning:
Automate approvals with instant, data-backed decisions that eliminate bottlenecks.

Customizable Underwriting + Risk Controls:
Leverage EPIC’s built-in underwriting to run fast, cost-efficient checks—and easily plug into advanced third-party data or proprietary models.

Seamless Integrations
EPIC syncs with your existing platforms and data sources so CSRs have everything they need at their fingertips—fast, accurate, and fully informed.

Key Benefits of EPIC's Decision Engine

Customizable

Underwriting

Leverage EPIC’s built-in underwriting to run preliminary checks and save on third-party costs—then seamlessly connect to external decision engines or proprietary models for deeper analysis. Whether it's a third-party solution or your own black-box logic, EPIC gives you the flexibility to underwrite your way—fast, thorough, and tailored to the data that matters most to you.

Real-Time

Decisioning

Accelerate your lending workflow with automated credit checks and instant risk assessments. EPIC delivers fast, reliable decisions so you can fund more loans with confidence—without sacrificing compliance or accuracy.

Seamless

Integrations

Easily integrate with your preferred third-party decision engine or a custom black-box model. EPIC’s flexible architecture is built to support your unique underwriting strategy—no matter how simple or sophisticated.

Reduced

Risk

Make smarter lending decisions with deeper borrower insights. By combining internal and third-party data, EPIC helps you identify risk earlier, reduce defaults, and improve overall portfolio performance.

Scalable for

Growth

As your business grows, your underwriting needs evolve. EPIC is built to scale with you—managing higher loan volumes, increasing efficiency, and maintaining compliance without slowing down.

Three Steps to Smarter Loan Decisioning

There are only a few simple steps between you and effortless loan decisioning and increased profitability.

Request a

Demo

Discover how the External Decisioning Engine integrates with your lending operations.

Customize Your Integrations

Work with our team to select and configure the right third-party tools for your needs.

Transform Your Underwriting

Make faster, smarter decisions and enhance your portfolio.

Make the most of your external decisioning engine with EPIC Loan Systems.

See it in action today:

Why EPIC's Decisioning Engine Works for You

EPIC is designed to help short-term lenders thrive in a competitive, fast-paced industry.

With our External Decisioning Engine, you’ll avoid:

Risky loan approvals based on limited data.

Slow application processing times.

The frustration of juggling disconnected systems.

Connect With an Expert

Get a Demo

EPIC Lending Blog

See How EPIC Streamline Your Lending Operations

Lenders have trusted EPIC since 1999 to deliver solutions that enhance decision-making and improve operational efficiency. Our External Decisioning Engine empowers your team to provide seamless, informed lending support—helping your business stay ahead of the competition.