Revolving credit

Episode Six offers a hyper-configurable, cloud-native revolving credit ledger for consumer and business use cases.

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Revolving credit like you've never seen it before 

Whether you're a bank, fintech, or credit union, Episode Six gives you the foundation to launch the flexible, revenue-generating credit offerings your customers want—quickly.
Credit controls
Custom rules engine

Configure interest tiers, minimum dues, promo rates, automated delinquency workflows, and customer-specific behavior logic.

Cards - credit repayment terms
Real-time balances

Customers see what they owe—immediately. No more waiting for statement dates.

Cards - installments - third party platform
Multichannel entry modes

Accept transactions via card rails, direct payment APIs, or merchant partners.

General - rewards-1
Seamless rewards

Apply rewards rules directly at the card level—configurable in real time.

Crypto - credit repayment hierarchies
Built-in purchase-to-installment conversion

Convert transactions or balances into structured repayment loans—native to the Episode Six platform.

General - one platform
Unified credit card processing

One platform to manage everything—card issuing, credit ledgers, loan management, and real-time repayment visibility.

Revolving credit built any way you want it

Our revolving credit platform is built to support real-time balance management, multichannel access, and product personalization—at scale.

  • Turn on differentiators like purchase-to-installment conversion and dynamic rewards rules to launch market-leading credit products faster.
  • Set multiple pricing models via fees and interest methods (per customer and per cohort of customer).
  • Access real-time loan information and customer management (rather than batch updates like competitors).
  • Manage your revolving credit program through our API-enabled platform.
UI Credit Controls
Cards - credit interest controls
Revolving credit - add a card
General - cloud integration (2)

Your customers deserve an upgrade from the standard

Whether you're outgrowing rigid, out-of-the-box solutions, or just tired of expensive, legacy credit platforms, we've got the flexible solution you need to deliver to your customers.

With Episode Six, you'll access faster time-to-market with more innovative product configurations, enabling you to focus on core business, not infrastructure maintenance. It's time to ditch the operational overhead and unreliable tools. If your current solution limits what you can offer—or how fast you can move—Episode Six provides a clean break from that cycle.

FAQs

Can I support both credit cards and lines of credit from one platform?

Yes. Our platform is designed for flexibility, letting you support multiple credit use cases—consumer, business, card-based, or API-led—from a single backend.
How quickly can I launch a new credit product?

Thanks to our modular design and dynamic provisioning APIs, lead time is shortened. Speed depends on your internal readiness and any regulatory requirements.

Does Episode Six support installment lending too?

Absolutely. Our platform lets you natively convert purchases or balances into installment loans—giving customers flexibility and you additional revenue opportunities.

Ready to offer revolving credit at the speed of the future? Contact us today.

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