Your brand.
Our balance sheet.
Rail offers balance-sheet-as-a-service. Embed business credit products and provide customers instant capital access.
Launch lending without building it
Rail is the infrastructure layer that lets platforms offer business financing under their own brand. We provide the capital, underwriting, compliance, sales support, and servicing.
Full-stack infrastructure
Embeddable applications, offer display, repayment, closing, collections. End to end.
Balance sheet included
No need to raise capital or manage a credit facility. Rail funds from day one.
Private label programs
Your brand, your customers, your program. We’re the backend engine.
Marketplace waterfall
Turn declines into revenue with AI-powered intelligent matching to 45+ lenders.
Lending programs that compound
Every deal deepens the customer relationship, surfaces actionable data, and creates new opportunities to cross-sell.
The full credit stack
Offer revenue-based financing, lines of credit, term loans, or cards. Mix and match based on what your customers need.
Data that works for you
Credit insights, open banking data, and business signals are shared back to you for smarter cross-selling and deeper relationships.
Recurring revenue, built in
Customers come back for more funding, staying in your ecosystem while driving repeat business and ongoing revenue.
Your first 30 days with Rail
A step-by-step path from initial setup to live customer funding and first revenue in just 30 days.
Week 1
Get connected
Define your customer flow
Choose your credit products
Set your brand guidelines
Weeks 2-3
Get configured
Customize terms and offers
Integrate embedded components
Test the full flow
Week 4
Get paid
Launch to customers
First deals funded
Revenue share hits your account
The Rail Card is coming soon
A business card built for how companies actually spend with rewards that actually matter.
Ready to build your lending program?
Launch private label lending in weeks with the capital and infrastructure already in place.
Get in Touch