{"id":791,"date":"2025-03-18T06:03:39","date_gmt":"2025-03-18T13:03:39","guid":{"rendered":"https:\/\/embedded.gusto.com\/blog\/?p=791"},"modified":"2025-03-17T16:04:16","modified_gmt":"2025-03-17T23:04:16","slug":"relay-smb-banking-cash-flow-visibility","status":"publish","type":"post","link":"https:\/\/embedded.gusto.com\/blog\/relay-smb-banking-cash-flow-visibility\/","title":{"rendered":"How Relay Delivers Cash Flow Confidence for Small Businesses"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Small business owners wake up each day focused on two things: their Instagram and their bank account. But what if banking could do more than just show a balance?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this episode, <\/span><a href=\"https:\/\/www.linkedin.com\/in\/yosephwest\/\"><span style=\"font-weight: 400;\">Yoseph West<\/span><\/a><span style=\"font-weight: 400;\">, Co-Founder and CEO of <\/span><a href=\"https:\/\/relayfi.com\/\"><span style=\"font-weight: 400;\">Relay<\/span><\/a><span style=\"font-weight: 400;\">, discusses how banking designed for small businesses can drive cash flow confidence and financial clarity.<\/span><\/p>\n<p><b>Key Takeaways<\/b><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Small businesses struggle with financial visibility.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Relay differentiates itself from traditional business banks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Preventing check fraud with authorization controls.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Small businesses still compare digital banks to traditional ones.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Attracting new customers and driving organic growth.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Three key factors matter when choosing fintech partners.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Small businesses demand more from their financial institutions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Building deep relationships with customers is essential for success.<\/span><\/li>\n<\/ul>\n<p><b>Listen to the Podcast<\/b><\/p>\n<p><iframe style=\"border-radius: 12px;\" data-src=\"https:\/\/open.spotify.com\/embed\/episode\/4oHlTm7NGV8zq3cC7rzFLg?utm_source=generator\" width=\"100%\" height=\"152\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"1\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Bringing cash flow clarity to SMBs with Relay\u2019s Yoseph West<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In a recent <\/span><a href=\"https:\/\/www.smbtechinnovators.com\/episodes\"><span style=\"font-weight: 400;\">SMB Tech Innovators podcast<\/span><\/a><span style=\"font-weight: 400;\">, Yoseph West, co-founder of Relay, shared valuable insights on small business banking and cash flow management. He emphasized the importance of building close relationships with customers, understanding their financial struggles, and offering solutions tailored to their needs.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The Path to Founding Relay<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Yoseph&#8217;s career journey took an unexpected turn from law to entrepreneurship. Coming from a family split between legal professionals and business owners, he pursued a legal career before realizing it wasn&#8217;t his calling. He co-founded a tech startup, which led to an acquisition by Wave, an accounting software company. This experience exposed him to the challenges that small businesses face in managing their finances.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At Wave, Yoseph learned a critical lesson: accounting software helps, but small business owners prioritize cash flow. They can delay bookkeeping, but they can&#8217;t afford to miss payments. This realization led to the founding of Relay, a banking solution designed to provide real-time financial clarity.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The Key to Small Business Banking: Cash Flow Clarity<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Relay&#8217;s mission is to provide banking that enables small businesses to maintain financial stability. Traditional banks often fail to meet small business owners&#8217; needs. Many entrepreneurs rely on their bank balance as their primary financial metric, checking it daily to make quick decisions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Relay&#8217;s approach is different. It offers multiple checking accounts that function as a financial management tool. Small business owners can allocate funds into specific accounts\u2014such as payroll, taxes, and operating expenses\u2014giving them a clear picture of their finances. This method ensures that essential funds aren&#8217;t accidentally spent elsewhere.<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-medium wp-image-796 aligncenter lazyload\" data-src=\"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/1-300x300.png\" alt=\"\u201cWe\u2019re not just delivering cheaper banking that\u2019s mobile and faster. We\u2019re delivering cash flow clarity for small businesses. That really means something.\u201d Yoseph West, co-founder of Relay\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/1-300x300.png 300w, https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/1-630x630.png 630w, https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/1-150x150.png 150w, https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/1-768x768.png 768w, https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/1.png 1200w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">Features That Make a Difference<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Relay isn&#8217;t just another business bank offering several key features that set it apart:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Multiple Checking Accounts<\/b><span style=\"font-weight: 400;\"> \u2013 Small business owners can separate finances for better budgeting and cash flow management.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Automated Bill Payments<\/b><span style=\"font-weight: 400;\"> \u2013 Relay integrates with accounting software, streamlining financial workflows.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Smart Banking Controls<\/b><span style=\"font-weight: 400;\"> \u2013 Business owners can set spending limits, authorize transactions, and manage employee access.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Check Deposit Flexibility<\/b><span style=\"font-weight: 400;\"> \u2013 Unlike traditional banks with low deposit limits, Relay allows users to deposit larger amounts remotely, saving time.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Yoseph shared a customer story demonstrating these benefits. A business owner previously limited to a major bank&#8217;s $10,000 monthly check deposit had to visit a branch regularly. With Relay, they could deposit checks seamlessly from their mobile device, eliminating unnecessary trips and improving efficiency.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Transitioning to Relay: Different Customer Journeys<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Yoseph noted that customers come to Relay at various stages. Some are new business owners looking for an alternative to traditional banks with long wait times and high fees. Others seek better banking solutions for managing cash flow, such as automated transfers and multiple account allocations. Some business owners move to Relay out of frustration with their current bank&#8217;s inefficiencies, such as issues with check fraud.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Regardless of how they find Relay, most users start with a single feature and gradually expand their usage as they experience the platform&#8217;s benefits. This &#8220;land and expand&#8221; approach has been a key driver of customer adoption.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Organic Growth and Customer Support<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Relay&#8217;s growth has been primarily organic, with many customers discovering it through word-of-mouth. Yoseph explained that businesses generating over $1 million in revenue typically receive sales support to ensure a smooth transition. Relay also offers human customer support without requiring a minimum deposit, ensuring business owners receive guidance tailored to their needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This hands-on approach is essential for businesses with employees and more complex financial workflows. By prioritizing customer experience, Relay helps small businesses maximize the value of their banking platform.<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-medium wp-image-795 aligncenter lazyload\" data-src=\"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/2-300x300.png\" alt=\"\u201cThe building blocks of our product are checking and savings accounts, cards and payments, but the power of Relay is in the flexibility to set it up to suit the specific financial needs of your small business.\u201d Yoseph West, co-founder of Relay\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/2-300x300.png 300w, https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/2-630x630.png 630w, https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/2-150x150.png 150w, https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/2-768x768.png 768w, https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/2.png 1200w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">Choosing the Right Partners to Build Relay<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Building a banking platform requires selecting the right financial and technology partners. Relay uses three key factors in evaluating potential partnerships:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Technology Quality<\/b><span style=\"font-weight: 400;\"> \u2013 The platform must be reliable, scalable, and battle-tested to ensure a seamless experience for business owners.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Strong Relationships<\/b><span style=\"font-weight: 400;\"> \u2013 Partners should have a long-term mindset and be willing to collaborate on challenges.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Regulatory Compliance<\/b><span style=\"font-weight: 400;\"> \u2013 Fintech companies must prioritize compliance and risk management to maintain trust and security.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Yoseph highlighted Relay&#8217;s involvement in the Coalition for Financial Ecosystem Standards, an initiative to establish clear regulatory guidelines for fintech companies. This proactive approach ensures Relay remains a trusted banking partner for small businesses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Learn more about choosing the right partner by reading <\/span><a href=\"https:\/\/embedded-info.gusto.com\/embedded-payroll-buyers-guide\"><i><span style=\"font-weight: 400;\">The Buyers&#8217; Guide for Embedded Payroll<\/span><\/i><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The Future of Small Business Banking<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Looking ahead, Yoseph sees a growing demand for banking solutions that go beyond traditional services. Small business owners are no longer just looking for a place to store their money\u2014they want tools that actively contribute to their financial success. Relay aims to integrate banking with software solutions that enhance financial workflows, such as instant invoicing and same-day payments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Artificial intelligence will also shape the future of small-business banking. AI-powered tools can automate financial tasks, such as managing accounts payable or following up on overdue invoices. While small business owners aren&#8217;t actively asking for AI-driven banking solutions, Yoseph believes this technology will become increasingly relevant.<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-medium wp-image-793 aligncenter lazyload\" data-src=\"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/4-300x300.png\" alt=\"\u201cFrom day one, it was clear to us that financial visibility for SMBs starts with the bank balance.\u201d Yoseph West, co-founder of Relay\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/4-300x300.png 300w, https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/4-630x630.png 630w, https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/4-150x150.png 150w, https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/4-768x768.png 768w, https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/4.png 1200w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">Delivering Outcomes, Not Just Tools<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Yoseph concluded by emphasizing the importance of delivering real financial outcomes for small businesses. Entrepreneurs don&#8217;t just need faster, mobile-friendly banking\u2014they need banking that provides cash flow confidence. Relay&#8217;s success stems from focusing on this core need. By staying close to its customers and continuously improving its platform, Relay is shaping the future of small business banking.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;d like to learn more about Relay or explore how our APIs can help your business, visit<\/span> <a href=\"http:\/\/relayfi.com\"><span style=\"font-weight: 400;\">relayfi.com <\/span><\/a><span style=\"font-weight: 400;\">or connect with <\/span><a href=\"https:\/\/www.linkedin.com\/in\/yosephwest\/\"><span style=\"font-weight: 400;\">Yoseph on LinkedIn<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Go to <\/span><a href=\"https:\/\/www.smbtechinnovators.com\/episodes\"><span style=\"font-weight: 400;\">The SMB Tech Innovators Podcast<\/span><\/a><span style=\"font-weight: 400;\">, powered by <\/span><a href=\"https:\/\/embedded.gusto.com\/\"><span style=\"font-weight: 400;\">Gusto Embedded<\/span><\/a><span style=\"font-weight: 400;\">, to listen to more episodes.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Small business owners wake up each day focused on two things: their Instagram and their bank account. But what if&#8230;<\/p>\n","protected":false},"author":11,"featured_media":792,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-791","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-embedded-partners"],"acf":{"exclude_from_embedded_resources":false,"popularity":0,"essentiality":0},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Relay Delivers Cash Flow Confidence for Small Businesses - Embedded Blog<\/title>\n<meta name=\"description\" content=\"Discover how Relay helps small businesses gain better cash flow visibility with smart banking solutions designed for flexibility and financial clarity.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/embedded.gusto.com\/blog\/relay-smb-banking-cash-flow-visibility\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Relay Delivers Cash Flow Confidence for Small Businesses - 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He holds a BS in finance and a BA in philosophy from Boston College and an MBA from the Cal Berkeley Haas School of Business.","url":"https:\/\/embedded.gusto.com\/blog\/author\/brian-busch\/"}]}},"images":{"large":"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2025\/03\/GUSTO-Banner-1201x627-1.png"},"authorDetails":{"id":11,"name":"Brian Busch","avatar":"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2022\/11\/HeadshotBB-150x150.png"},"_links":{"self":[{"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/posts\/791","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/comments?post=791"}],"version-history":[{"count":0,"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/posts\/791\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/media\/792"}],"wp:attachment":[{"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/media?parent=791"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/categories?post=791"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/tags?post=791"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}