Applying for Relay Capital

Overview

When Relay determines you may qualify, you’ll see an offer in the Capital tab. You can opt in to view final terms (soft credit check; no impact). If you accept and make your first draw, a hard credit check is performed.

Before you start

• Confirm your business checking account for funding and repayments
• Review your offer summary, repayment schedule, and state disclosures (e.g., CA/NY)
• Be ready to choose a single draw amount (up to your approved maximum)

Eligibility Requirements

Fundbox services are currently available to businesses based in the 50 U.S. states, Guam, American Samoa, Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands.

To apply, business owners must meet the following requirements:

• Have a valid Social Security Number (SSN)
• Have a U.S. personal address
• Have a personal credit score of at least 450 (recommended 600 or higher)
• Maintain at least 3 months of business checking history with Relay or another bank
• Have an annual business revenue of $30,000 or more
• Operate in an industry that is not prohibited

Offer timing (don’t miss the window!)

• 30 days to opt in after pre-qualification
• 30 days to draw after final terms are issued
  If an offer expires, you can’t draw on it; Relay will continue to review your account for future eligibility.

How to accept terms and draw funds

1. Open the Capital tab to review your final offer
2. Choose your draw amount (any amount up to your approved max; one-time draw)
3. Review and accept disclosures and terms (including any state-specific disclosures)
4. Select your repayment account and authorize ACH
5. Submit your draw

Funding timeline

Funds are sent by ACH to your chosen business account, typically within 2 business days of your draw.

Frequently Asked Questions