The Cash Flow Compass Report | Relay
The Relay Cash Flow Compass Report
Expecting growth (but feeling broke!
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.
Based on a survey of 1,000+ business owners.
Insights for:
Trades
Consulting
Real Estate
Ecommerce
Finance
Hospitality
Retail
Nonprofit
The Compass reveals why cash flow remains a challenge, even when the numbers add up—and what sets lasting businesses apart!
Growth is up.
Confidence is high.
Cash flow? Kind of a mess.
94% of businesses expect to grow this year.
88% of businesses still face major cash flow issues.
54% of businesses have less than a month of runway.
The businesses that make it through tough times aren’t the ones doing the most. They’re the ones doing the right things, consistently. You don’t need more offers, more complexity, or more chaos. You need focus. You need clarity. You need a system that works.
This report breaks down where most owners stall out, and what it really takes to build a business that lasts.
There’s more to the story
...and it’s not all doom and gloom (we promise).
Download the report to:
- Learn what other businesses are doing to prepare for growth
- See how your industry stacks up when it comes to cash flow control
- Spot the hidden habits that quietly wreck your cash flow
- Steal a few ideas from owners who’ve made it through the chaos
Hear from real business owners who’ve conquered the chaos
Nathan Shafer
"We had a couple good years and thought we were fine—until we weren’t. Getting real financial clarity changed everything. That’s what finally gave us control."
Christopher Hanson
"Our cash flow was all over the place. Once we gave every dollar a job, it brought the clarity we needed to get through the tough stretch—and start building something more stable."
April Yeung
"Losing all our revenue overnight forced me to rethink everything. I built a new system, made a real plan for emergencies and taxes, and finally carved out space to pay myself again."
Mohamed Elhefny
"When a major client delayed payment and emergency repairs hit at the same time, I had to act fast. Cutting costs, communicating clearly, and finding a short-term solution helped us make it through—and come out stronger."
Karl Strube
"January used to mean scrambling to make payroll. Now I plan for it months ahead—and it’s no longer a stress point in my year."
Tanner Lemon
"There’s nothing like a surprise annual charge to throw off your whole month. Once we started putting guardrails around spending, those ‘uh-oh’ moments disappeared."
Bryce Conlan
"We used to miss bills all the time—just reacting to whatever hit that week. Now, we actually look ahead. We know what we can spend, and we make decisions with way more confidence."
Ready to stop flying blind?
Get all the data, all the insights, and all the “oh wow, same” moments. Download the full Cash Flow Compass report below.
Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC.