The Profit Mama is a cash flow coaching practice led by Gabbie Kelly, serving women-owned and mom-led businesses across e-commerce, food service, retail, and service-based industries. Gabbie’s clients come to her overwhelmed, unsure what they can pay themselves, and often carrying years of financial stress. Gabbie uses Relay to remove complexity, automate healthy money habits, and give clients a system that finally feels workable.
“My business would not exist without Relay. Full stop.”
— Gabbie Kelly, Founder, The Profit Mama
Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
Firm Outcomes
20 hours saved per month through Relay-powered cash allocation workflows
$100+ in monthly fees eliminated, with tens of thousands saved annually across clients
~90% of firm revenue enabled by Relay, forming the foundation of The Profit Mama’s coaching model
$15,000 in direct annual value delivered to The Profit Mama’s business
Before Relay: Overwhelm, unclear money decisions, and no consistent system
The women entrepreneurs who work with Gabbie share a common struggle that leads them to her: money feels hard, heavy, and confusing. They’re often juggling business finances around family responsibilities, handling bookkeeping reactively, and lacking a clear picture of what they can safely pay themselves.
Some have operated for years without a foundation, leading to painful surprises, especially during profitable seasons, such as:
Unexpected $40,000 tax bills
Overspending on ingredients and supplies
Paying themselves last or not at all
Carrying the constant fear of “doing it wrong”
Even clients who used bookkeepers were lacking awareness of their day-to-day numbers. And without a simple banking workflow, most couldn’t follow through on the cash-allocation habits that lead to stability.
“Awareness is your biggest asset, but we lose awareness and connection to our numbers when we hand our financials off,” says Gabbie.
Traditional banks created another hurdle. Without a platform that made allocations easy, clients couldn’t build the money habits Gabbie was teaching.
The Solution: A Relay-powered cash flow system built on clarity and automation
Before opening The Profit Mama, Gabbie went looking for a bank that could support true cash allocation—real checking accounts1, purpose-driven structure, automation, and simplicity. That search led her directly to Relay.
Relay became the foundation of her coaching model and the catalyst for every transformation that followed.
With Relay, The Profit Mama helps clients:
Set up dedicated checking accounts1 for taxes, profit, payroll, and owner pay
Name accounts to make money’s purpose obvious
Automate transfers so habits don’t depend on willpower
Separate sales tax instantly to avoid accidental overspending
Build visibility into what’s available versus allocated
Make decisions using real-time clarity instead of emotion
“Once clients switch into Relay, there’s no longer any excuse not to do the work. It’s all right there,” Gabbie says.
Relay gives her a consistent, repeatable setup across every client, whether they’re launching their LLC this week or they’ve been operating for a decade.
1Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
The Impact: More capacity, stronger client outcomes, and life-changing financial wins
Once The Profit Mama’s clients adopt Relay, financial clarity increases dramatically. What used to feel like a black box becomes simple, visual, and grounded in purpose. That clarity gives clients the confidence to make better decisions and removes the constant anxiety tied to money.
Greater efficiency and a stronger revenue engine
With Relay powering her entire cash-flow coaching method, Gabbie saves 20 hours every month, has eliminated unnecessary banking costs, and has built a business model where ~90% of her revenue is directly enabled by Relay.
Clearer visibility and healthier money habits
Clients no longer rely on gut feelings or endless spreadsheets. They can see exactly what each dollar is for—taxes, supplies, payroll, owner pay—and they build habits that finally stick.
Life-changing outcomes for her clients
Relay has helped The Profit Mama’s clients:
Take paid maternity leave funded entirely by allocation accounts
Buy homes after years of unclear cash flow
Smooth seasonal revenue fluctuations with intentional buffers
Adjust pricing confidently
Hire support without fear
Pay themselves more consistently than ever before
One meal-prep business owner went from feeling stuck and constantly overspending on ingredients to hiring kitchen staff, raising prices, smoothing slow months, and paying herself reliably—all with the help of Relay-powered cash clarity.
“Relay helps bring awareness back and it eases the mental load,” Gabbie says.
Relay: The foundation for simple, confidence-building cash flow systems
For The Profit Mama, Relay provides critical infrastructure that unlocks clarity, confidence, and healthier financial habits for every client. Gabbie now uses this Relay-powered model to help women build stable businesses that support their lives, their families, and their long-term goals.
Relay isn’t just making money simpler. It’s giving Gabbie’s clients a financial foundation they can finally grow on.
Disclosures
1Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
