Refill or Reapplying for a Loan

Overview

After your first loan, Relay continues to periodically review your account for a potential refill (renewal). Strong repayment history and healthy business activity can help you become eligible for another offer—even while an existing loan is outstanding.

How refills work

Relay evaluates your account automatically over time—no separate application required to be considered
If eligible, you’ll see a new offer in your Capital tab and can opt in to view final terms (soft credit check)
A hard inquiry occurs only on your first draw; future eligibility checks use soft inquiries

Common scenarios

My offer expired. You may become eligible again later; keep your account active and watch for a new offer.
I paid off early—am I automatically eligible? Early payoff doesn’t automatically qualify you. Eligibility is reassessed periodically.
Can I draw multiple times on the same offer? No. Each offer is a one-time draw up to your approved maximum.

How to improve your chances

Keep your Relay account connected and active
Maintain healthy cash flow and payment history
Monitor email and in-app notifications for updates

Frequently Asked Questions

Will the new offer terms be the same as before?

Terms vary based on updated underwriting at the time of your new offer.

Do refills affect my credit?

Opt-in is a soft check; if you accept and draw, your first-ever draw is the only time a hard check occurs.

Getting Started with Relay Capital
Repaying your Loan