Epic Finance

What Epic Finance does

Epic Finance LLC is a privately held U.S. recreational finance company, founded in 2014 and headquartered in Wilmington, North Carolina. The firm operates as an indirect lender intermediary, connecting boat and RV dealerships with a curated network of national banks, regional banks, credit unions, and subprime lenders to originate consumer loans across the full credit spectrum, with a documented emphasis on subprime borrowers. It serves two primary customer segments: recreational dealerships (its channel partners and revenue source) and individual boat and RV buyers (the end borrowers).

Epic's core technology stack centers on Epic Connect, a secure dealer portal used for credit application submission, document request handling, and preparation of lender-specific signing packets, with encrypted transmission of personal information. The platform is supplemented by a Payment Calculator tool for customer-facing payment estimation and a Soft Initial Review System that performs early credit tier assessment via soft inquiry without impacting applicant credit scores. Epic does not operate a proprietary mobile application or public API; integration is achieved through the dealer portal and web-based loan application flows.

The company's revenue model is transaction-based, monetizing each originated loan through transaction fees and competitive dealer splits negotiated with its lending partners. Pricing is quote-based, with loan amounts starting at $10,000 and terms extending up to 144-240 months depending on loan size, and rates that vary with credit profile, collateral, lender program, and term length. Go-to-market is sales-led and channel-driven: a four-region U.S. sales force (Midwest, Southeast, West, Mid-Atlantic) supports dealer onboarding, training, and tradeshow participation. Approximately 70% of originated loans are placed with ancillary service contracts (GAP/ESP), and management reports an 80% approval success rate with a one-hour callback commitment on all submitted applications.

Name

Epic Finance

Legal name

Epic Finance LLC

Website

https://epicfinancellc.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Epic Finance LLC is a U.S. recreational finance intermediary that connects boat and RV dealerships with a nationwide network of lenders, originating consumer loans — including subprime — through its Epic Connect dealer portal and a four-region U.S. sales team.

Ownership category

akta.pro rank

Product category

Recreational Vehicle Financing

NAICS

Sales Financing (52222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro industry

PRIMARYFSAKADAH

Marine & Boat Finance

Financial & Insurance/Lending & Consumer Finance/Auto Lending & Vehicle Finance

SECONDARYFSAKADAF

Recreational Vehicle (RV) Finance

Financial & Insurance/Lending & Consumer Finance/Auto Lending & Vehicle Finance

Keywords

• Recreational vehicle financing
• Boat and RV lending
• Dealer lending services
• Subprime recreational lending
• Consumer financing platform

Headquarters

HQ city

Wilmington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Dealer Financing Fees: Epic Finance generates revenue by facilitating recreational financing (boats and RVs) through a network of lending partners including national banks, regional banks, credit unions, and subprime lenders. Revenue is generated through transaction fees and competitive dealer splits on financed deals. 70% of loans are placed with service contracts (GAP/ESP).

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Epic Finance is a recreational financing company that originates boat and RV loans through a nationwide network of boat and RV dealerships. The company connects its dealer partners to a portfolio of lending institutions (national banks, regional banks, credit unions, and subprime lenders) to provide financing across all credit tiers, with applications processed through its Epic Connect dealer portal and accompanied by service contract (GAP/ESP) offerings.

Product overview

Epic Finance is a recreational financing company specializing in boat and RV financing. The company operates a unified financing platform that connects dealerships with a nationwide network of lending partners. The core offering consists of the Epic Finance Financing Platform, which handles credit applications and loan origination, complemented by the Epic Connect platform for secure document handling and the Payment Calculator for customer payment estimates. An insurance partnership with Global Marine Insurance provides optional physical damage coverage during the closing process. The company also maintains a Dealer Partner Portal for its network of recreational dealer partners to manage applications and customer relationships.

Differentiator

Problem solved

Functional benefit

Products and services

• Boat and RV Financing
• Epic Connect Dealer Platform
• Service Contract Attachment (GAP/ESP)

Quantifiable outcome

• 80% success rate in obtaining approvals
• +3 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

Two partnerships are on record, tiered minor.

• Global Marine InsuranceminorStrategic or Co-development PartnerInsurance provider partner that specializes in marine and RV insurance. Epic offers customers no-obligation physical damage insurance quotes through this partnership.
• Marine Retailers Association of America (MRAA)minorOthersMRAA Partner Member - Marine industry trade association providing industry standards, training, and networking for recreational marine dealers.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• LightStream: Online consumer lending division of Truist offering unsecured boat and RV loans. Comparable to Epic in serving recreational purchase financing, though LightStream skews prime and operates as a direct lender rather than a dealer-network broker.
• Trident Funding: Specialty direct lender for boats, RVs, motorcycles, and ATVs across the U.S. Highly comparable to Epic Finance as both serve the recreational finance market with similar borrower profiles and dealer-originated loan models, including subprime tiers.
• Yamaha Financial Services: Captive finance arm for Yamaha's marine and powersports products. Comparable to Epic as a marine-focused lender serving recreational buyers through dealer channels, though limited to a single OEM brand.
• Navy Federal Credit Union: Credit union offering recreational vehicle and boat loans to military members. Comparable as a recreational lender, though Navy Federal serves a closed membership and originates directly rather than through an open dealer network.
• Alliant Credit Union: Digital-first credit union offering boat and RV loans. Comparable to Epic in recreational finance, though Alliant operates as a direct-to-consumer lender rather than a dealer-network broker.
• Brunswick Financial Services: Captive financing for Brunswick Corporation's boat brands (Sea Ray, Boston Whaler, Mercury). Comparable to Epic as a marine lender relying on dealer-originated applications, though single-OEM focused.

Broad incumbents

• Truist Financial: Parent of LightStream and a major recreational lender via its consumer banking division. Comparable to Epic through its boat/RV loan offerings, though Truist operates recreational lending as part of a much broader diversified banking franchise.
• Synchrony Financial: Major consumer finance company with marine and RV financing arms (including the legacy Essex Credit book). Comparable as a significant boat/RV credit provider, though its broader portfolio dilutes focus compared to Epic's recreational specialization.
• Capital One Auto Finance: Major bank with boat and RV financing through its Auto Navigator platform. Comparable as a recreational lender, though recreational lending is a small slice of Capital One's broader consumer finance portfolio.
• Citizens Bank: Regional bank offering boat and RV loans as part of its consumer lending portfolio. Comparable as a recreational lender, though recreational finance is one of many consumer lending categories served.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/epicfinancellc
• LinkedInlinkedin.com/company/epicfinance
• Instagraminstagram.com/EpicFinanceLLC
• Xx.com/epicfinancellc

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Epic Finance