The lending stack in one integration
Underwriting, origination, capital, compliance, and servicing. Rail runs all of it so platforms can offer credit without building a lending company.
Everything under one roof
Rail is engineered for teams that expect their vendors to ship well. Every layer of the lending stack, built to production standards, running under your brand.
AI models trained on performance
Over $1B of funded deal performance. Decisions sharpen every month as the system learns from every customer in the network.
Embedded flows, your brand
Offer, application, and contracting flows that live inside your platform, white-labeled end-to-end.
Institutional warehouse facilities
Rail funds deals from institutional warehouse facilities, so capacity never becomes a ceiling on your program.
Bank-grade, handled on our side
KYC, KYB, AML screening, and regulatory monitoring, handled on our side so you stay focused on product.
End-to-end, every funded customer
Loan servicing, payments, collections, and customer support for every funded customer.
Built for the teams that will use it
REST API, webhooks, SDKs in every language your team uses, and hosted UI components. Documentation maintained by the engineers who built the API.
An API your team will actually want to use
REST API, webhooks, SDKs, and hosted UI components. Documentation written for developers, by developers.
▍{
"id": "offer_x82kq",
"customer_id": "cus_a94b7",
"product": "working_capital",
"amount": 125000,
"term_months": 12,
"apr": 0.1428,
"status": "pre_approved",
"expires_at": "2025-08-14T23:59:00Z"
}Every lifecycle event, streamed to your platform
From pre-approval to funded deal to repayment, every event surfaces as a webhook your platform can subscribe to.
A compounding edge
Rail's underwriting models improve as the network grows. Every funded deal across every platform sharpens the system.
A network that gets smarter with every deal
Every funded deal across every platform feeds back into credit decisioning. The system your customers experience next month is better than the one they experience today.
See what one integration can unlock
Talk to our team about bringing Rail's stack to your platform.