Tribal Lending - Tribal Loan Management Software

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-Native Security & Uptime Reliability

Protect borrower data and ensure always-on access with enterprise-grade security and 99.99% uptime on our scalable, cloud-based infrastructure.

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Why Tribal Lending Leaders Trust EPIC

15+ Years in Small-Dollar & Tribal Lending

EPIC Loan Systems has spent over a decade helping lenders succeed in highly regulated environments. We bring deep experience in tribal lending and an unwavering focus on ethical, compliant lending solutions.

A Partner That Understands Sovereignty

We recognize and respect the authority and values of tribal nations. Our team works hand-in-hand with tribal leaders to co-create lending programs that uplift communities while maintaining sovereignty.

Strategic Growth,

Rooted in Integrity

From product design to borrower engagement, our platform helps you lend responsibly and profitably—without compromising on compliance or community trust.

Trusted By Tribal Lenders Nationwide

Collaborative

Partnerships

We don’t just provide software—we build long-term relationships with tribes, offering ongoing support, strategic guidance, and co-branded success.

Community-Focused

Growth

Our lending solutions are built to empower—not exploit—ensuring your programs serve your members with transparency and fairness.

Cultural

Alignment

We understand the cultural nuances and values that matter to tribal nations. EPIC honors those values in every feature we deliver.

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Launch Your Tribal Lending Program in

3 Quick Steps

Request a Live

Platform Demo

See how EPIC’s tribal lending platform supports your goals—from setup to compliance and scalability.

Customize Loans & Compliance

Work with our team to configure lending models, repayment terms, risk tools, and audit workflows tailored to tribal needs.

Launch With

Confidence

Start offering loans, growing impact, and serving your community—backed by a platform you can trust.

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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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Simpler, Smarter, Safer Tribal Lending

Tribal lending is a meaningful way to provide financial access—but the risks of non-compliance, inefficient systems, or lack of cultural alignment can slow you down. EPIC makes lending easier, safer, and smarter—so you can focus on empowering your community.