Your Financial Operating System
Turn Every Dollar Into Disciplined Profit
Relay is the profitability enforcer for blue-collar businesses and franchisors. It ensures every operator is structured, stable, profitable, and successful — automatically.
Based on the proven Profit First methodology • Free for Starter plan • No credit card required
Watch Your Money Flow Through Relay
Every deposit automatically splits into designated accounts based on the Profit First formula
Traditional Banking vs. Profit First
The fundamental difference that transforms business profitability
See The Difference
Adjust the sliders to visualize how each method handles your money
Traditional Banking
Hope there's profit at the end
Profit only happens if money is left over after all expenses
Relay Banking
Profit guaranteed first
Profit automatically protected before any spending happens
The Bottom Line
Same revenue, completely different outcomes
⚠️ Only if expenses don't exceed revenue
✓ Guaranteed every single deposit
Relay removes the guesswork and builds profitability into every transaction—automatically.
What's More Dangerous Than a Competitor? Poor Cash Flow Management.
Business owners and franchisees are excellent at delivering services and managing daily operations, but many struggle with cash flow discipline.
Left unchecked, they overspend, miss critical payments, and dig a financial hole that no amount of marketing can fix. This leads to lost royalties, damaged brand reputation, and stalled momentum.
Relay builds discipline into daily operations. It's a cash flow system that prevents operators from sabotaging their own success.
Profitability Isn't a Suggestion. It's a System.
Relay automatically splits every deposit into preset percentages the moment it hits your account.
Want 15% to profit? 7% to royalties? 30% to payroll?
Relay does it automatically, every time. You remove human error, enforce healthy financial habits, and create predictability across your business or franchise network.
No more spending the tax money
No more forgetting critical payments
No more cash flow chaos
Just automatic discipline — and it's free for the Starter plan
Why Blue-Collar Businesses & Franchisors Choose Relay
Financial control that drives profitability across your entire operation
Protect Royalties & Income
A financially healthy business means consistent payments. Relay prevents cash burn so your royalties and income streams stay protected.
Strengthen Business Coaching
Your coaches and advisors get real-time financial data to guide operators to profitability faster with data-driven insights.
Create Network Consistency
Every operator follows the same proven financial structure, creating predictability and reducing risk across your organization.
Total Visibility = Total Control
See exactly where your money is and what it's for in real-time. Know what you can spend before it becomes a problem.
Built-In Profitability Discipline
Relay automates the Profit First method, forcing you to pay yourself first and build wealth without spreadsheets.
Bulletproof Validation Calls
For franchisors: Give candidates proof of profitability, not just promises. Turn validation calls into confident 'Yes' moments.
Enterprise Banking Features, Zero Monthly Fees
Automatic Money Splits
Every deposit automatically divides into preset percentages: profit, taxes, payroll, operating expenses, and more.
Real-Time Cash Flow Visibility
See exactly what's available to spend and what's allocated for upcoming obligations.
Zero Monthly Fees
Free business banking with no account minimums, no monthly fees, and unlimited transactions.
Built for Growth
Up to 50 checking accounts and 50 savings accounts to organize every dollar with purpose.
Integrated Accounting
Seamlessly connects with QuickBooks, Xero, and other accounting platforms.
Team Management
Issue corporate cards, set spending limits, and manage permissions for your entire team.
Simple, Transparent Pricing
Start free, upgrade as you grow
Starter
Perfect for solo operators and startups
- Up to 20 checking accounts
- Up to 20 savings accounts
- Unlimited transactions
- Mobile & web access
- Basic integrations
- Email support
Blue Collar Bureau is an Official Relay Ambassador. All opinions expressed here are our own. This is not an official Relay site.