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Turn every franchisee into a financially disciplined operator.

Your Franchisee’s Financial Operating System

Relay is the profitability enforcer for your brand.
It ensures every franchisee is structured, stable, PROFITABLE and successful — and it makes your brand look like a powerhouse.

Based on the concepts of "Profit First"

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Profitability isn’t a suggestion. It’s a system — and Relay enforces it.

What’s more dangerous than a competitor? A struggling franchisee!

The Financial Backbone for Total Cash-Flow Success

Franchisees are great at running the day-to-day but struggle managing cash-flow

Left unchecked, they overspend, miss payments, and dig a financial hole that no amount of marketing can fix. You lose royalties, brand reputation, and momentum.

Relay builds discipline into their daily operations. It’s a cash flow system that keeps them from sabotaging their own success.

Try it Free for 14 Days

Franchise Banking Done Right

Relay automatically splits every deposit into preset percentages the moment it hits.

Want 15% to go to profit? 7% to royalties? 30% to payroll? 5% of Payroll to insurance?

3% of profit for taxes? Done — instantly, every time.

You remove human error, enforce healthy habits, and create predictability across the network.

No more spending the tax money. No more forgetting to pay the royalty. No more cash flow chaos.

Just automatic discipline — and it’s free.

Franchisors that control

Cash-Flow control their future.

Your royalty stream is only as strong as your franchisees’ money habits.

SEE WHAT YOU'RE EARNING, SPENDING & SAVING

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Relay makes your franchise validation calls bulletproof!

Give your candidates proof of profitability — not just promises.

If the franchisee is stressed, struggling, or unsure, that call tanks the deal. You lose trust, credibility, and a potential high-value candidate — all because you couldn’t control the one thing that matters most: proof of profitability.

“Since implementing Relay, our franchisees are finally operating with structure, clarity, and profitability. Validation calls have gone from unpredictable to unstoppable.” — Jake Dwyer, VP of Franchise Development

With Relay, you can:

Enforce disciplined budgeting across every location
Automate allocations for royalties, taxes, payroll, and profit
Give franchisees real-time visibility and structure that supports their success
Arm your franchise business coaches with live financials for better support
Turn every validation call into a confident “Yes, this works” moment

Protect Royalties

A broke franchisee can’t pay fees. Relay prevents cash burn so you protect your income stream.

Strengthen Coaching

Your internal franchise business coaches get the data they need to guide franchisees to profit faster.

Create Consistency Across the Network

Every franchisee follows the same proven financial structure.

Total Visibility = Total Control

Relay shows you exactly where your money is and what it’s for — in real time.

You’ll know what you can spend and what you can’t — before it becomes a problem.

Built-In Profitability Discipline

Relay helps you follow the Profit First method automatically — without spreadsheets or calculators.

It’s like having financial guardrails that force you to pay yourself first and build a reserve.

No More “Where Did the Money Go?”

Relay helps you see your cash flow clearly, every day.

You won’t wake up one day and wonder how $15k disappeared — because it’s all organized, allocated, and tracked.

Simplified Spending with Smart Cards

Issue physical or virtual debit cards for your team or contractors — with limits and rules built in.

Want a card just for supplies, ads, or online subscriptions? Done. No more shared cards or rogue spending.

Instant Financial Structure

Instead of one confusing account, Relay gives you up to 20 no-fee checking accounts to separate taxes, payroll, profit, rent, marketing — everything.

No more commingling. No more accidental overspending.

Sound Familiar?

Most franchisees don’t come from finance.

They don’t track cash, they overspend, and they panic when tax season hits — putting your brand and their location at risk.

Relay gives them guardrails and you oversight — without adding any cost to your system.

Your franchise business coaches are working blind.

Without live data, they can’t see what’s really happening financially. They’re guessing. That leads to bad calls and preventable failure.

Relay gives coaches instant access to franchisee financials so they can give precise, proactive advice — and actually prevent disaster instead of reacting to it.

Poor cash flow management is the #1 reason small businesses fail.

That means every location that closes didn’t just lose you a royalty stream — it lost you validation, momentum, and reputation.

Relay eliminates chaos and replaces it with control — helping you scale faster with a stronger, more financially sound system.

READY TO GIVE Relay A TRY?

Use RELAY for 14 days.

No credit card required.

- Used by over 165,000 companies

- Two Factor Authentication

- Data Encryption and Secure Infrastructure

- Comprehensive Fraud Monitoring

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Trusted by 165,000+ companies

Plans designed to grow as you do

For solopreneurs and business

just getting started

Starter

$0 / month

Banking

1.03% apy on savings accounts
1% cashback on credit cards

Bills & Expenses
- Bill creation, intake & management
- Cards with built-in spend policies
- Receipt collection & storage
Invoicing
- ACH debit +1% of transaction amount
- Payment request links
- Invoice creation & tracking
Accounting Integrations
- Quickbooks
- Xero

For small teams with growing

cash-flow complexities.

Grow

$30 / month

Banking

1.75% apy on savings accounts
1.25% cashback on credit cards

Everything in Starter, plus
Bills & Expenses
- Savings on payment fees
- Multi-step bill approval rules
- Customizable bookkeeping automation
- Partial bill payments
Invoicing
- ACH debit +.75% of transaction amount
- Branded Invoices
- Recurring invoices

For larger teams that want to
scale more, faster.

Scale

$90/ month

Banking

3.03% apy on savings accounts
1.5% cashback on credit cards

Everything in Grow, plus
Bills & Expenses
- 10 free same-day ACH per month
- Bill payment automation
- Out-of-Policy spend requests
Invoicing
- ACH debit +0.5% of transaction amount
- Ai Collections Agent
Insights
- Cash-flow insights & forecasts
And More...
- Special offers from Relay Partners like Xero & Engine
- Faster customer support by phone and email