capital.crerail.ai
Know where every loan stands, without asking.
Every loan shows where it stands, exactly which conditions are still open, and a button to order the survey or Phase I that clears them — without a reply-all chain.
Free for lenders on every file · Commercial lenders, credit teams and loan closers
The lender contributes the conditions and the diligence that clears them — and reads back what earlier deals on the same collateral already established. See what the network connects →
Everything in the Capital Portal
“Where does this loan stand?” answered on every file you have with the agency — without an email, and without waiting for one.
Know where you stand
Not a status somebody typed in — worked out from the conditions themselves, and it moves as they clear.
Where every loan stands
Every file shows one of four states — nothing outstanding, cleared, outstanding, or overdue. It is worked out from the open conditions themselves rather than typed in by somebody, and it moves as they clear.
Your whole book, one screen
Every transaction you are on, each showing the address, the file number, how many conditions are open and how many are late. No other platform gives a lender one view of all their title files.
Condition ledger, grouped and dated
Conditions arrive grouped by category with status, detail text and due dates. Anything past due is flagged and rolled into the file's file's status — so you see what is open and who owes it, not a PDF.
Durable activity feed
A per-file event stream — messages, closing-date changes, document uploads, stage advances, disbursement and closing — kept as a permanent record. The history is there whether or not you read it at the time.
Clear the conditions yourself
Order the diligence instead of asking someone to order it.
Self-serve diligence ordering
Place a survey, environmental, zoning, construction or lease-review order directly against a file. The vendor is notified and you are emailed on delivery.
Vendor routing by service type
The vendor list filters to firms that actually cover the service you selected, with region shown. If nobody on panel covers it, the order routes to the agency to assign rather than silently failing.
Your scope, carried to the vendor
A free-text instructions field carries your exact specification — “ALTA/NSPS survey, Table A items 1–4, 6, 8, 11” — so the deliverable matches your requirement the first time.
Stay in the loop
In the file, not in somebody's personal inbox.
Per-file secure messaging
A threaded conversation with the closing team on each file, polled live, with replies also emailed. Staff answer from the agency's own messages rail.
You versus the market
Your own turnaround times next to the market average. Your own numbers always show; the market side appears once enough files and enough agencies sit behind it.
Market pulse
Commercial market conditions on your landing screen, held to the same rule — nothing is shown until enough deals sit behind it.
On the roadmap
RoadmapBoth halves exist in the platform; the join is not built yet.
Settlement-versus-instructions reconciliation
Check the live settlement statement against your own closing instructions before the loan is shown as ready to fund.
Lender-facing construction draws
The sworn statement read automatically, waivers matched line by line, anything unmatched reported, and the loan-in-balance check shown to the lender.
CPL delivery, funding authorization and SSO
Closing protection letter verification, settlement approval and funding authorization as recorded lender actions, plus SAML single sign-on for bank identity.
What the Capital Portal costs
Access to the platform is free to lenders on any file, permanently. Premium features are priced per transaction, so there is nothing to commit to before you have a deal.
Access to platform
Every file you are on, at no cost to your institution.
- Where every loan stands, across your whole book
- Full condition ledger with due dates and overdue flags
- Self-serve diligence ordering with your own scope language
- Per-file messaging and the activity feed
- You-versus-the-market turnaround benchmarks
- Unlimited users at your institution
Premium features
Everything described on this page is included in free access. Premium is an optional layer above it — talk to us about what your team needs.
- Not billed until 2027 — everything is free until then
- Optional — free access is not time-limited or feature-crippled
- No monthly minimum and no seat count at your institution
- Billed against the transaction it applies to
The rule that is not for sale
Access to the platform is free, permanently. Brokers, lenders, attorneys, investors and vendors are never billed to work a file — they are how the platform spreads, not how it earns. Premium features are optional and sit on top of an account that already works.
What is not yet exercised
The counterparty portals are deployed but young. There are no borrowed adoption numbers on this page, and there will not be until real files have run end to end.
Prices are published list rates in US dollars; a signed order form governs. Premium features are not billed before 2027, and free access is not time-limited. Premium, endorsement and recording figures quoted anywhere in the product are computed from the filed rate schedule for the state the property sits in, and are estimates until the commitment issues.
You see your own work, and nothing else
Each portal is a separate program with its own login. What you cannot reach, you cannot reach because it was never sent to your computer — not because a setting says no and somebody has to remember to keep it that way.
You see the loans you are on
Every file where you are named as the lender or lender's counsel — and nothing else. Being on one file with an agency does not show you their others.
Your login can't reach the file itself
Your account has no route into the underlying file. What you see is a funding view the agency's system builds for you: the address, the open conditions and where the loan stands.
No borrower or seller personal information
Names, contact details and identity documents for the parties are not in what you receive. They are not hidden from view — they are not sent.
No banking screens at all
There are no wire, deposit or payoff screens in the lender portal. You can read and you can order diligence. Money movement is not reachable from your login, even if it were compromised.
A separate app at a separate address
The lender portal is its own program. A staff screen cannot show up in it, because it is not part of what your browser downloaded.
Sign-in can need your phone
As well as a password, sign-in can require a code from an authenticator app.
Your IT team will want more than this
Identity model, authorization, data classification, retention, transport, and how these rules are enforced on every build.
Invited by the title agency, per deal team
Commercial lenders, credit teams and loan closers. Registration and sign-in for this portal live on its own host, capital.crerail.ai — separate from every other portal.
You are added to the deal team
The agency adds you as lender or lender's counsel on the file. Your sign-in email is matched against that role.
Set your password
The invite email carries a set-password link. Enrol an authenticator app if the agency requires a second factor.
Work the book
Every file you are on appears with its current status. Ordering diligence is genuinely self-serve from there.
Register as a lender
Free access, permanently. Ask the agency to add you to the deal team, or register here.