Working Capital
Fast, flexible working capital for your customers
Pre-approved offers surface inside your platform exactly when your customers need them. Apply in minutes. Fund in a day.
Pre-approved offer
$125,000
12 month term · 1.28x factor
Your brand.
Our balance sheet.
Fuel your growth by helping your business customers invest in theirs with white-labeled, AI-powered financing that's built to scale.
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app.fieldwork.com
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Capital
Fuel growth with fast, flexible working capital.
Powered by RailPRE‑APPROVED
$125,000
Working capital • 12 month term
How it works
Pre‑approved offerTailored to your business with no impact to credit.
Review & customizeAdjust draw amounts and terms.
Get funded fastFunds arrive in 1 business day.
ledger.co/app
Overview
Invoices
Customers
Payments
Expenses
Reports
Capital
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Capital
Grow on your terms with flexible working capital.
Powered by RailPRE‑APPROVED
$125,000
Working capital • 12 month term
How it works
Pre‑approved offerTailored to your business with no impact to credit.
Review & customizeAdjust draw amounts and terms.
Get funded fastFunds arrive in 1 business day.
pulse.io/workspace
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Unlock working capital built into your workflow.
Powered by RailPRE‑APPROVED
$125,000
Working capital • 12 month term
How it works
Pre‑approved offerTailored to your business with no impact to credit.
Review & customizeAdjust draw amounts and terms.
Get funded fastFunds arrive in 1 business day.
Products
Ready-to-launch embedded financial products
Production-ready credit products for the platforms your customers run their business on.
Pay Over Time
Add a payment method that grows your bottom line
Let your business customers split purchases, invoices, and payroll into installments. You earn a share on every transaction.
Invoice #INV-2847·$12,400.00
Split this into payments
3 payments
biweekly · $0 fee
$12,400 total
6 payments
monthly · $248 fee
$12,648 total
12 payments
monthly · $744 fee
$13,144 total
Pay over time →
Card
Turn customer spend into platform revenue
The Rail Card gives your customers credit and rewards to run their business. A fully white-labeled card, built around your brand.
Transaction
Dawson Supply Co.
−$1,240.00
+1,240 points
Credit limit
Increased this week
$42,500→$48,000
Why Rail
Everything you'd have to build. Ready to ship.
A lending program takes a credit facility, an underwriting engine, compliance, and servicing. Rail provides all of it, runs it under your brand, and compounds from there.
Private label programs
Every offer, application, and funded deal lives under your brand. Rail stays behind the scenes.
Balance sheet included
Every deal funded from institutional warehouse facilities. No credit facility to raise, no capital to put up.
A marketplace safety net
Declines become revenue with a waterfall to 45+ lenders in our network. Every applicant gets a path.
Programs that compound
Renewals turn one deal into repeat revenue and data powers cross-sell. Every customer stays in your ecosystem.
Technology
Modern lending infrastructure built for platforms
AI underwriting trained on real performance, an API your developers will want to use, and a data advantage that compounds with every funded deal.
AI underwriting
Models trained on over $1B of funded deal performance. Real-time credit decisions that sharpen every month as the system learns from every customer in the network.
Model accuracy · 12 mo
Jan 82%Jul 87%Dec 89%
Decision feedID · AMT · STATUS · T
API-first architecture
REST API, webhooks, SDKs, hosted UI components, and a partner dashboard. Documentation your engineering team will actually want to read.
123456
▍200 OK · 128ms
{
"id": "offer_x82kq",
"amount": 125000,
"term_months": 12,
"status": "pre_approved"
}Real-time decisioning
Customers apply in minutes. Approved in minutes. Funded in a business day. No manual review queues, no paperwork drag.
Applied
0:00
Decisioned
0:12
Offer sent
0:28
Funded
Next day
One stack, every product
Working Capital, Pay Over Time, and Card run on the same underwriting, origination, and servicing rails. Add any of them later without rebuilding your integration.
Underwriting
Origination
Servicing
Compliance
Run your lending on Rail
Talk to our team about how a Rail lending program would look inside your product or brand.