Mission and Vision

Our mission is to increase the success rate of small businesses.

Traditional banking has been a growth limiter rather than a growth enabler for business owners, and we’re changing that.

Relay is the all-in-one, collaborative money management platform that puts you in complete control of your cash flow. We’re building for employer SMBs and their finance function, internal and external, and are focused on delivering a human-centric customer experience. Ultimately, we help SMBs be ‘on the money’.

Relay is transforming small business banking by focusing on software and intelligence. We cater primarily to ‘heart of America’ small businesses, especially those with tight cash flows, 2+ employees, and monthly revenues from $20,000 to $200,000.

These businesses often collaborate closely with accountants and bookkeepers, yet traditional banking products overlook this crucial relationship. Relay is designed with this partnership in mind, aiming to integrate seamlessly with the cloud-based tools these businesses already use for invoicing, payroll, expenses, accounting, and more.

By connecting with platforms like Gusto, Xero, and Quickbooks, Relay reduces friction in managing and transferring funds, streamlines data flow securely between systems, and enhances financial visibility. This approach empowers small business owners with clarity, control, and confidence in managing their finances.


How We’ll Win


What We Offer

  1. We’ve removed all hidden fees, no account fees, overdraft fees, minimum balances
  2. Create up to 20 sub accounts to easily separate and organize cash to keep it flowing
  3. Issue up to 50 virtual/physical debit cards - used for expenses for your team, you can set limits and approvals
  4. Direct integrations with third-party vendors such as Quickbooks and Xero to reconcile your books