EPIC Loans Systems
EPIC Loan Systems is a cloud-based loan management platform serving short-term, installment, tribal, and specialty consumer lenders with end-to-end origination, servicing, compliance, and API-driven integrations across the entire lending lifecycle.
- Company typePrivate
- Founded2003
- HeadquartersFort Lauderdale, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What EPIC Loans Systems does
EPIC Loan Systems is a cloud-based loan management platform serving small-to-mid-market lenders in the alternative and subprime lending space. The platform provides an integrated system spanning origination, underwriting, servicing, collections, and compliance for multiple loan products including payday/FlexPay, installment, tribal, Texas CSO/CAB, merchant cash advance, and payroll deduction loans.
The core EPIC Loan Management System is supplemented by an external decisioning engine, advanced reporting and data access tools, and 120+ REST-based API endpoints enabling integrations with payment gateways, CRMs, credit bureaus, fraud detection services, identity verification providers, and lead sources. The platform claims automated compliance tools with audit trails, rule-based and AI-assisted underwriting logic, real-time analytics dashboards, a borrower self-service portal, and a two-week implementation timeline. EPIC reports processing $1.1 billion in transactions and originating more than 500,000 loans annually across its customer base.
The company operates on a quote-based SaaS subscription model with additional revenue from implementation/professional services and an optional lender websites add-on. Distribution is primarily direct enterprise sales with a lower-touch self-service tier (EPIC Essentials) targeting startups and SMB lenders. EPIC is part of the LendSuite Software ecosystem formed in 2022 alongside Infinity Enterprise Lending Solutions and Tekambi, and joined the Aquila Software family in 2018. The company is privately held with 11–50 employees and is headquartered in Pembroke Pines, Florida.
EPIC Loans Systems firmographics
Firmographics- Name
- EPIC Loans Systems
- Legal name
- EPIC Loan Systems, Inc.
- Website
- https://epicloansystems.com
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- EPIC Loan Systems is a cloud-based loan management platform serving short-term, installment, tribal, and specialty consumer lenders with end-to-end origination, servicing, compliance, and API-driven integrations across the entire lending lifecycle.
- Ownership category
- akta.pro rank
EPIC Loans Systems industry classification
Industry- Product category
- Loan Management Software
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Collections, Recovery & Debt Management Platforms (FSAGAHAI)
- akta.pro secondary industry
- Loan Origination Systems (LOS) (FSALALAA)
Keywords
Where EPIC Loans Systems is headquartered
LocationHeadquarters
- HQ city
- Fort Lauderdale
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
EPIC Loans Systems business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Subscription - Loan Management System: Cloud-based loan management software subscription model. Pricing depends on business needs, loan volume, and required features. Quote-based pricing tailored to each lender's operations.
- Implementation and Onboarding Services: One-time implementation and configuration fees for system setup, workflow customization, and onboarding support
- Lender Websites Add-on Service: Additional website design and development services for lenders to create professional, SEO-optimized borrower-facing websites
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Quote-based enterprise pricing |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
EPIC Loans Systems product offering
Product offeringCore offering
EPIC Loans Systems provides a cloud-based, end-to-end loan management platform that helps consumer lenders originate, underwrite, service, collect, and report on short-term, installment, and specialty loan products. The offering combines the core LMS, an external decisioning engine, configurable borrower portals, lender websites, advanced APIs, and tiered entry packages tailored to specific lending verticals (payday, installment, tribal, Texas CSO/CAB, payroll deduction).
Product overview
EPIC Loan Systems is a cloud-based loan management platform designed for modern short-term lenders. The core offering is the EPIC Loan Management System (LMS), a unified platform combining origination, underwriting, servicing, and collections. This core platform is supplemented by specialized loan type modules (Online, Installment, Payday/FlexPay, Texas CSO/CAB, Tribal, and Payroll Deduction Loan Software), add-on solutions (External Decisioning Engine, Reporting & Data Access, Advanced APIs, Lender Websites, and EPIC Essentials), and parent brand LendSuite Software which also includes Infinity Software and Tekambi. The architecture supports end-to-end automation, real-time decisioning, and compliance management across multiple lending models.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Get set up and start lending in as little as 2 weeks
- +3 more outcomes
Companies that use EPIC Loans Systems
Customer profileNamed customers2 records
Segments8 records
Ideal customer profiles6 records
EPIC Loans Systems technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability6 records
Feature10 records
EPIC Loans Systems partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Infinity Enterprise Lending SolutionscoreIn 2022, EPIC partnered with Infinity Enterprise Lending Solutions and Tekambi to create LendSuite Software - an integrated ecosystem. Infinity provides enterprise lending solutions as part of this collaborative ecosystem.
- TekambicorePart of the 2022 LendSuite Software formation alongside Infinity Enterprise Lending Solutions. Tekambi provides additional technology solutions within the integrated lending ecosystem.
- Aquila SoftwarecoreEPIC Loan Systems joined the Aquila Software family in 2018, bolstering its position in the lending industry. Aquila Software is the parent company that provided strategic support and integration of services from leading technology partners in the subprime lending space.
- LendSuite SoftwarecoreEPIC Loan Systems operates as a LendSuite Software brand. LendSuite is an integrated ecosystem combining EPIC, Infinity Software, and Tekambi to provide comprehensive lending solutions.
Scale indicators9 records
Recent moves9 records
Expansion highlights5 records
EPIC Loans Systems competitors and assessment
Company assessmentDirect peers
- LoanPro: Cloud-based loan management and servicing platform serving consumer, payday, installment, and SMB lenders with API-driven architecture. Directly comparable to EPIC in target customer base (non-bank consumer lenders), SaaS delivery, and lifecycle coverage.
- TurnKey Lender: Lending automation and loan management software with decisioning, origination, servicing, and collections, sold to consumer and SMB lenders globally. Comparable to EPIC in SaaS delivery, automation focus, and multi-jurisdiction loan-type support.
Broad incumbents
- MeridianLink: Public lending and account-opening platform serving banks, credit unions, and consumer lenders with origination, decisioning, and data analytics. A broader incumbent that overlaps EPIC in consumer loan origination but operates at much larger scale and broader vertical scope.
- Finastra: Large financial software vendor offering lending, core banking, and capital markets solutions to banks and specialized lenders. Overlaps EPIC in lending lifecycle software, but Finastra's portfolio is far broader and its go-to-market targets large institutions.
- nCino: Cloud banking platform with loan origination, account opening, and onboarding built primarily for banks and credit unions. Comparable to EPIC in cloud delivery and loan lifecycle coverage, but targets regulated depository institutions rather than non-bank short-term lenders.
- Black Knight (ICE Mortgage Technology): Major provider of mortgage and consumer lending software, including loan origination, servicing, and data analytics. Overlaps EPIC in origination and servicing but is mortgage-centric and considerably larger, representing an incumbent risk if it expands down-market.
- Abrigo: Banking software vendor offering loan origination, credit risk, and compliance tools to community banks and credit unions. Comparable to EPIC in compliance-heavy loan management functionality, but focused on regulated depository institutions.
Emerging players
- Lendio: Small business loan marketplace and lending platform connecting borrowers with multiple lenders and providing supporting technology. Partial overlap with EPIC in SMB lending software, but Lendio's core model is a marketplace rather than full LMS.
- LendingPad: Cloud-based mortgage loan origination system used by mortgage lenders and brokers. A SaaS LOS comparable in delivery model to EPIC's LMS, but specialized in mortgage rather than consumer/payday/installment lending.
- Canopy: Loan servicing and management software for consumer and SMB lenders, with API-driven architecture and borrower servicing tools. Comparable to EPIC in consumer lender SaaS servicing, with a comparable API-first posture but narrower feature breadth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
EPIC Loans Systems social profiles
Digital presenceEPIC Loans Systems financial estimates
Financial estimateRevenue estimate
Valuation estimate
EPIC Loans Systems leadership team
Management profileNumber of profiles
Profiles6 records
EPIC Loans Systems funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EPIC Loans Systems M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about EPIC Loans Systems
What does EPIC Loans Systems do?
EPIC Loans Systems provides a cloud-based, end-to-end loan management platform that helps consumer lenders originate, underwrite, service, collect, and report on short-term, installment, and specialty loan products. The offering combines the core LMS, an external decisioning engine, configurable borrower portals, lender websites, advanced APIs, and tiered entry packages tailored to specific lending verticals (payday, installment, tribal, Texas CSO/CAB, payroll deduction).
Is EPIC Loans Systems a public or private company?
EPIC Loans Systems is a private company. It is classified as corporate owned and is currently operating.
When was EPIC Loans Systems founded?
EPIC Loans Systems was founded in 2003. It employs 11 to 50 people.
Where is EPIC Loans Systems based?
EPIC Loans Systems is headquartered in Fort Lauderdale, United States, in the North America region.
How does EPIC Loans Systems make money?
Three revenue lines are on record. SaaS Subscription - Loan Management System is the primary driver. The others are implementation and Onboarding Services and lender Websites Add-on Service.
Who are EPIC Loans Systems's main competitors?
Direct peers on record are LoanPro and TurnKey Lender. Broad incumbents are MeridianLink, Finastra, nCino, Black Knight (ICE Mortgage Technology) and Abrigo. Emerging players are Lendio, LendingPad and Canopy.
Does EPIC Loans Systems have an API?
Yes. EPIC Loan Systems offers robust REST-based APIs with over 120 API endpoints that enable lenders to integrate, automate, and customize their lending operations. Key capabilities include: automated ACH and loan workflows for transaction processing and real-time loan updates; custom portals via API for building borrower and agent experiences matching brand and business logic; real-time data access for loan statuses, borrower details, and eligibility checks; webhooks for automation including ACH processing, status changes, and system synchronization; and third-party integrations with credit/fraud detection, payment processors, and lead providers. The APIs use authentication and access controls for secure data transmission. Developer documentation is at epicloansystems.com/apis.
What industry is EPIC Loans Systems in?
EPIC Loans Systems's product category is Loan Management Software. Its primary akta.pro industry code is FSAGAHAI, Collections, Recovery & Debt Management Platforms, with a secondary code of FSALALAA, Loan Origination Systems (LOS). Its NAICS code is 5223 and its SIC code is 6199.