Relay

Relay is a finance and accounts payable platform that helps businesses earn cash back by paying vendors early, while also giving them more flexible control over payment timing. Instead of using traditional credit cards or factoring, Relay connects to your existing accounting and bill pay workflows and offers early-payment programs where suppliers can get paid sooner in exchange for a small discount. Relay then shares a portion of that discount with you as cash back, turning routine AP spend into a revenue stream.

The tool provides dashboards for tracking cash flow, upcoming payments, and realized rewards, and can integrate with existing ERPs or accounting systems. It supports automated scheduling, approval workflows, and bulk payments so finance teams can reduce manual work and late fees. Relay is targeted at small and midsize businesses and finance teams that want to improve working capital management, strengthen supplier relationships, and generate incremental income from their payables without taking on additional debt or disrupting current banking relationships.