Apply once and EquityRail matches you with funding banks on the network. Your credit line tracks your home's real-time value, your rate reflects your credit profile, and your funds spend anywhere Visa, Mastercard, Apple Pay, or Google Pay is accepted.
Tell us about your home and your existing mortgage. We estimate your available equity instantly using live market data — with only a soft credit pull.
Funding banks on the network respond with rates and limits based on your credit profile. You pick the offer that fits. The bank lends; EquityRail runs the rails.
Funds arrive on your line in seconds and spend via card or digital wallet. Make monthly payments right here in the portal — they post the same day.
Pay from a linked bank account or debit card. Payments settle across the network in seconds and post to your credit line the same day.
Link a checking account for free ACH payments, or pay instantly with any major debit card.
Schedule minimum, fixed, or full-balance payments on your statement date. Cancel anytime.
Payments settle in seconds and reflect on your available balance the same business day.
Every payment generates a confirmation number and downloadable receipt for your records.
from will post on . A confirmation email is on its way.
Because your line runs on EquityRail's software, the safeguards are automatic — no surprise letters, no manual reviews.
Your credit limit follows your home's market value — it can grow when your home appreciates, not just shrink.
Scheduled credit checks are soft pulls. They keep your rate tier current without ever denting your score.
If your score dips below your bank's threshold, draws pause — and resume on their own the moment it recovers.
Every transaction is cryptographically signed and auditable, with TLS 1.3 encryption end to end.
Get your estimate in minutes with no impact to your credit score, then compare offers from funding banks on the network.