Apply once and receive offers from funding institutions — under their brand, on the claimed workflow. 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.
Borrower-facing reference experience: an illustration of how a licensee could deploy the patent-pending workflow under its own brand. All institutions and offers shown are fictional.
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 institutions respond with rates and limits based on your credit profile. You pick the offer that fits. The bank lends; EquityRail runs the rails.
Funds are designed to 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 are designed to settle 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 are designed to 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 the line runs on the claimed workflow, the safeguards are automatic by design — 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 designed to be 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 illustrative offers from funding institutions in the demonstration.