RL-26-00418
DRAFT
Business loan
SBA 7(a) · Equipment
- Amount
- $250k–500k
- Location
- Davidson Co., TN
- Credit band
- 720–759
- Timeline
- 30–60 days
$2,749 est. to the originating bank if funded
Turn the loans you can't fund into revenue.
Relay lets community banks introduce customers to licensed lenders in two minutes, with the compliance built in.
Request access
Lender plans from $299/month
How it works
Introduce
A banker creates an introduction in two minutes on a phone. No underwriting, no paperwork — just the basics of the loan the bank can't fund.
Customer confirms
The customer reviews plain-language disclosures on their own phone and e-signs consent before anything is shared with any lender.
Lender funds
Vetted, licensed lenders take the deal, fund under their own license, and can service it white-labeled under your bank's brand.
For banks
Every walk-in you turn away is revenue walking out the door. Relay turns a two-minute conversation into a compensated introduction — referral and success fees on business loans, and an origination services fee on home loans for the work your team actually performs in the app.
- Payouts settle to your institution's verified account — never to individuals.
- Consent records, audit logs, and fair-lending reports built in.
- A vendor due-diligence pack your compliance team can download on day one.
For lenders
Warm, bank-sourced introductions with signed borrower consent — not cold leads. Browse anonymized deal cards in the states where you're licensed, take deals in one tap, and report outcomes in a simple pipeline.
- Licensed-footprint matching: you only see deals you can legally fund.
- Auto-take rules on coarse, compliant criteria only.
- White-label servicing under the originating bank's brand.
Compliance rails, not compliance promises
No NPI before consent
Lenders see anonymized cards only. Borrower identity is never shared until the borrower has e-signed and a lender has taken the deal.
RESPA-safe by design
On home loans, borrowers choose from a neutral, randomized lender list and banks earn a uniform services fee for documented work — never a referral fee.
Immutable audit
Every access to borrower data and every state change is written to an append-only audit log with fair-lending monitoring on top.
Ready to stop saying no?
Request access for your bank or apply as a funding partner. We'll verify your institution and get you live.
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