With our brand new term loans1, you can check out your prequalified loan offer straight from your Relay dashboard—no lengthy paperwork to get started, or upfront credit check2 required to view your offer. It gets even easier from there: choose the loan terms that fit your cash flow needs, then manage your funds and repayments alongside your everyday finances.
Funding shouldn’t slow your business down
Picture this: you need fast funding to move forward with a project or fill a cash flow gap, but you spend over a dozen precious work hours on loan research and applications alone, with no guarantee of funding.
Traditional business financing takes weeks, if not months of effort, patience, and back-and-forth with lenders. Bank loan applications are lengthy, often requiring extensive paperwork, detailed financial reports, and comprehensive business plans. And then there’s the waiting—anywhere from two to 12 weeks, depending on the loan you’re applying for.
Plus, if you’re approved for a loan, you’ll have to manage your money and repayments from a separate account, which can make your funds feel disconnected from your business’s daily finances.
Without an integrated view of all your money, you might spend more time monitoring your cash flow and strategizing funding withdrawals than making good on your business goals. More tools to bounce between means you have less big-picture visibility into your finances—and less time for everything else on your to-do list.
Finances aren’t linear for growing businesses
Business finances are like a living organism, always evolving with their environment. And any time you build a new business or expand your operation, your finances will be especially fluid.
Revenue might be up and down, profit might be slim or slow and steady. It’s normal to face tight cash flow, rack up unexpected expenses, and discover big growth opportunities, sometimes all at the same time. During these growth periods, you want the ability to invest in your operation and say yes to impactful projects without compromising your stability.
That’s where flexible funding comes in. The right term loan gives you options and affords you freedom. Funding that’s too rigid or time-intensive, on the other hand, can box your business in.
Banks aren’t the only lenders that come with tradeoffs. Fintech lenders promise shorter loan turnaround times, but often require separate loan applications and offer less-than-ideal terms. Marketplaces, meanwhile, tend to have more restrictive lending processes and stricter loan terms.
For a majority of business owners, the process of applying for, securing, and managing a business loan doesn’t support the day-to-day reality of running a small business.
Why we built term loans
Small businesses need faster, simpler access to capital. Delayed funding slows business momentum and takes time away from managing daily operations.
That’s why we built Relay term loans. No more lengthy loan applications or long waiting periods. You can get prequalified quickly, with minimal paperwork in most cases, and access your funding in a matter of days.
Plus, one platform for all your business finances means you can see your capital and cash flow together in one place.
How Relay term loans work
Here’s what you can expect:
1. Get prequalified in minutes
You don’t have to research different loan types or fill out a series of complex forms to request business funding. We’ll review your Relay activity and send custom prequalification offers you can view directly from your dashboard. There’s no impact to your credit to get prequalified2.
2. Choose terms that fit your business
We offer loan terms on your terms. Pick the funding amount and repayment period that support your cash flow and business goals.
Maybe you want to double your marketing spend in Q3 or purchase a building you can see your business settling into for the long haul. Maybe you need more working capital on hand as a financial buffer for emergencies.
Whatever your motivation, you can customize your loan up to any dollar amount you qualify for, then select repayment terms that serve your business today and years down the line.
3. Access funds inside Relay
Successful business owners value simplicity. If you get approved for a term loan, your funds will be made available directly in Relay, where you already manage your money, so you don’t have to worry about money silos or transfers and withdrawals from external accounts.
4. Repay seamlessly in Relay
It’s tedious to learn a new platform just to keep up with your loan repayments. With our term loans, you can set up predictable weekly repayments when you accept the offer, and have them collected automatically through Relay.
When you have visibility into your business funding and cash flow in one place, it’s easier to make more informed, efficient decisions. The result: you can budget, allocate resources, and plan for continued growth with even more confidence.
Embrace a smoother funding experience
No long waiting periods
No disconnected platforms
Just fast, flexible funding built into Relay
Fund what’s next, without the friction
You don’t need explosive revenue growth or zero debt to propel your business forward—you just need financial flexibility, clarity, and control. With Relay term loans, you get all three.
Fast, flexible capital to cover everything from short-term expenses to long-term investments. Total visibility into your funds and cash flow. And autonomy throughout the entire process, so you can focus on growing your business.
Log in to check your loan prequalification today.
1Relay Capital funding is provided by Fundbox, an external third-party provider, or its bank partner, Lead Bank.
All financing is subject to credit approval of a completed application. Fundbox and its bank partners base loan eligibility on their respective credit and risk policies, applicable legal requirements, and other business considerations. Financing may not be available in all states and may be subject to local restrictions where applicable.
All loans are subject to credit approval and applicable terms and conditions. Borrowing involves fixed repayment obligations and applicable interest and/or fees. Approval timing based on typical experience; actual decision and funding times may vary.
2A hard credit inquiry may be conducted before funding and could impact your credit score.
