Working capital without the runaround.

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

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 check, 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Fixed repayments are automatically withdrawn every week.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.

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.

Your questions, answered

What is a term loan?

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.

How fast can I get approved for a term loan?

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

How fast can I access funds from a term loan?

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

Will applying for a term loan affect my credit score?

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.

How does repayment work?

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

How much does a term loan cost?

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.

Can a term loan help build business credit?

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