Who provides Relay term loans?

Term loans are originated by Relay's vetted lending partners, not by Relay directly. Relay provides the application and account integration experience.

What can I use a Relay term loan for?

Working capital, equipment purchases, expansion, inventory, and other business operating needs.

A small business owner holding shipping boxes beside a card offering loan prequalification

Working capital without therunaround.

A simpler way to access funding—without adding more work to your day.

By submitting your email, you agree to opt in to marketing emails. You can unsubscribe at any time.

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Fixed repayments are automatically withdrawn every week.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

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.

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.

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.

Your questions,answered

A term loan is a type of business loan where you receive a lump sum upfront and repay it over a fixed period with regular payments.

Most term loan applications receive a decision within minutes, though some may take up to 24 hours depending on the details provided.

Funds from a term loan are typically available within 1–2 business days after an application is approved.

Most applications start with a soft credit check, which does not impact your credit score. If you choose to proceed with an offer, a hard credit check may be required.

You repay your term loan in fixed installments on a recurring basis over a set period of time.

Every term loan offer includes a clear breakdown of costs and repayment terms upfront, so you know the full price of the loan before accepting.

Yes, repayment activity may be reported to business credit bureaus, which can help you build your business’s credit profile over time.