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Lending Hero

Working capital loans for businesseson the move.

Stock inventory. Fix the truck. Run the ads. Cover payroll.
Handle today—and give your business space to grow.

Get started
Lending Hero

See your offer up front

Get funded in 1–2 days

All in your Relay dashboard

Relay Term Loans

Fast, flexible funding

Everything all in one place.

Bring funding and spending together. No outside lender portals. No extra logins. Just one Relay dashboard to manage your business finances from end to end.

Offers without smoke or mirrors.

See what you could qualify for without the upfront credit check3, document scavenger hunt, or traditional funding delays.

Built for whatever's next.

Use the funds to fuel your big ideas: expand inventory, grow contracts, launch new services. When opportunities show up, you’ll be ready to act.

Payments you can plan around.

Fixed repayments are automatically withdrawn every week. Same amount. Same schedule. No surprises.
Get started
Customize your loan

How Relay Term Loans work:

Prequalify

Get a loan offer automatically, based on your existing Relay activity.

Review

See your repayment terms, fixed total cost, and weekly payments up front.

Accept

Access funds right from your Relay dashboard within 1–2 business days.
Get started

Tried and trusted by

businesses like yours

I found the process very quick and easy.

Far less hassle than traditional methods. We are using the loan for cash flow. While we have a lot of money outstanding, this helped bring in necessary funds to help stop the squeeze.

Derek & Ashley Nelson

Ashder LLC.

Ashder LLC. logo

Tried and trusted by

businesses like yours

I found the process very quick and easy.

Far less hassle than traditional methods. We are using the loan for cash flow. While we have a lot of money outstanding, this helped bring in necessary funds to help stop the squeeze.

Derek & Ashley Nelson

Ashder LLC.

Ashder LLC. logo
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Relay Financial Technologies, Inc. © 2026

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1 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.

2 Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

3 Relay 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.

4 All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.