Relay Capital cannot fund businesses in the industries below because of restrictions from our lending partner, Fundbox, and its bank partner, Lead Bank.
Who does this apply to?
The restrictions apply to any business applying to or participating in the Relay Capital program. By registering with Relay Capital, you confirm that your business does not engage in any of the activities listed below. Any Relay account found using Relay Capital in connection with a prohibited business may be subject to termination.
What industries are prohibited?
Relay Capital cannot serve businesses in the following categories. The list is grouped by industry type below.
Adult entertainment and services
Any business primarily engaged in adult entertainment, including:
Pornography and sexually explicit media (literature, imagery, video)
Prostitution
Escort services
Adult live chat services
Firearms and ammunition
Any business involved in the sale, distribution, or manufacture of:
Firearms
Ammunition
Online gaming and gambling
Any business offering games of chance or wagering, including but not limited to:
Bidding fee auctions
Fantasy sports leagues with cash prizes
Internet gaming
Sports forecasting and odds making
Contests, sweepstakes, and any other games of chance
Marijuana-related businesses
Any business that directly touches the plant or operates under a state-issued marijuana license, including:
Marijuana dispensaries
Growers or cultivators
THC oil and extract manufacturers
Edible product producers
Money services businesses and financial institutions
Money services businesses (MSBs) and other financial entities are not permitted. This includes:
Money transmitters
Currency dealers or exchanges
Check cashing services
Wire transfer businesses
Money order providers
Bail bonds services
Collection agencies
Banks and credit unions
Insurance companies
Investment companies, including venture capital firms and lenders
Law firms collecting money for any purpose other than their own service fees
Nonprofit organizations
Nonprofits are not eligible for Relay Capital at this time.
Is this list final?
This list reflects current requirements from Fundbox and Lead Bank, and it can change without notice. Additional restrictions may apply based on Fundbox's credit and risk policies at the time of application.
How do I check if my business qualifies?
If none of the categories above describe your business, you can start a Relay Capital application from inside your Relay account. Eligibility also depends on credit and underwriting criteria set by Fundbox and Lead Bank, so approval is not guaranteed even for businesses outside the prohibited list. If you are unsure whether your business fits a prohibited category, contact our Customer Experience team before applying.
What happens if my business is on the prohibited list?
Applications from prohibited industries will not be approved for Relay Capital. If a Relay Capital loan is later found to be connected to a prohibited business, the associated Relay account may be subject to termination.
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