Relay (@relayfinancial) header
Relay (@relayfinancial) profile picture

The banking platform for self-made businesses.

United States
Joined January 2019
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Not all revenue is good revenue. A $20K project looks great until you account for the cost of subcontractors and materials. @MikeMichalowicz explains how a real revenue adjustment helps you see what a project is really bringing in. Watch the episode: youtube.com/watch?v=1DPM988_…
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Relay retweeted
For the 3rd year in a row, @relayfinancial is named a @Deloitte Technology Fast 50 winner. We’re #13! ⚡ I’m proud to see us make the list again; it reflects our *lasting* commitment to the 150,000+ self-made entrepreneurs we serve. As I’ve said before, we’re building Relay for the 99% of businesses, a.k.a. small businesses, which make up the majority of all companies. These are the mom and pop shops and independent contractors who account for almost half of U.S. GDP. Collectively, they have the most impact on local communities, but often get the least support or tools to help them succeed. They need cash flow clarity, control over their money, and access to capital if we want them to thrive. Hence Relay’s mission: to make every business great with money. That’s why so far in 2026 we launched Relay Capital, introduced AI-enabled cashflow insights, redesigned Relay’s AP approval experience, gave small business teams granular control over roles and permissions inside Relay, unveiled customizable invoices… and rolled out countless other improvements to serve Relay users. We still have so much more to come, this year and into 2027, and I can’t wait to show you what we're building next. Thank you to the Relayers who work hard to deliver for our customers every day. 💚 Onward. 🚀 — Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. Relay Term Loans are provided through Fundbox, an external third-party provider, or its bank partner, Lead Bank.
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Relay has been named one of Canada’s fastest-growing technology companies. 🎉 We're on the @DeloitteCanada #Fast50CA for the third year running. Behind this win is a team with one mission: making every business great with money. Want to build with us? relayfi.com/careers/
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Becoming Self Made just took home GOLD in the Business category at the 2026 @signalawards! 🏆 Huge thanks to @mikemichalowicz, our production partners @pod_ppl , and every guest who's shared their story. More to come in Season 3. #SignalAwards Listen: relayfi.com/becoming-self-ma…
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Accountants and bookkeepers, meet your new competitive advantage. The new Relay Banking Partner Certification is here. Free, self-paced, 60–75 minutes, and 1 CPE credit. Join 2,000+ certified professionals: relayfi.com/banking-partner-…
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Vegas is treating us pretty well so far. 🏆 Relay just picked up the Sustained Connections Award at #IntuitConnect2026, recognizing long-lasting customer connections through @QuickBooks. Here for #IntuitConnect? Find us at Booth #39 and meet the people behind Relay.
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🇺🇸 Trust us, this #IgnitionPrecon will be unforgettable. 👀✨ 📍Aria Hotel’s Liquid Pool Lounge 🗓️10/25 @ 8pm Skip the FOMO! Secure your ticket: info.ignitionapp.com/vegaspr… #TaxTwitter @relayfinancial, Vinyl, @onpay_payroll, @xumagazine, and @InsightfulActnt
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Relay retweeted
We are *doubling down* on new grad and co-op hiring at @relayfinancial, because this is the first fully AI-native generation. And some of our most exciting work right now comes from pairing that AI instinct with experienced leadership. So my advice to new grads and anyone early in their career: ignore the fearmongers telling you AI will destroy jobs. Every industrial revolution in history has tried to solve a major problem. Each one disrupted industries, and in the process we redirected, retooled, and retrained human effort toward solving new problems. That’s exactly what is happening with new grads and AI. You are learning to think with and use these tools the same way that previous generations learned to think with a search engine. Over the past 2 years at Relay, we’ve seen juniors ramp up faster than ever. Co-ops and new grads ship meaningful work within weeks of starting (unheard of in the past), and they want in on the biggest, most ambitious problems we’re solving for our customers. So if you're early in your career and have AI projects to talk about, we want to hear from you. Come build with us. 🚀
🤖 Made with AI
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The month that nearly broke your business might be the one that makes it stronger. Join @mikemichalowicz and three entrepreneurs on Oct 29 for a conversation about the tough months, lessons learned, and financial habits that stick. Register: join.relayfi.com/webinars/ca…
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Relay retweeted
We did it with @relayfinancial: $500M in cross-border payments in our first year together. 👏 Small businesses are now sending money to 153 countries through Nium, and we couldn’t be prouder of them. Here’s to the next $500M. 🔗 nium.com/newsroom/nium-relay…
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Becoming Self Made is a @shortyawards Impact Finalist. 🎉 We started this podcast to tell the business stories that rarely get told. Two seasons later, we're in the top 1% of podcasts globally. Thank you to host @mikemichalowicz, our guests, and everyone who's listened.
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Nobody starts a business because the economy looks good. 91% of the owners we surveyed say running one is a key part of reaching the American Dream. Then we asked how the year actually went. 78% hit a cash flow problem they didn’t see coming. 42% of them couldn't cover it.
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There's no party like an #IgnitionPrecon party. We're kicking off #IntuitConnect2026 with our friends at @Ignition. Join us for a drink and a bite ahead of the conference on Oct 25 at 8PM. 🎟️ Register: info.ignitionapp.com/vegaspr…
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The American Dream is getting a new definition. As @MikeMichalowicz sees it, entrepreneurship is the path to more meaningful work and freedom. And 99% of business owners said at least one outcome matters more than maximizing revenue. See the report: relayfi.com/cash-flow-compas…
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If in doubt, add an account. The five foundational #ProfitFirst accounts are a starting point. As your business grows, dedicated accounts help you plan for expenses and see what's spoken for. Watch the Profit First Playbook with @MikeMichalowicz: ow.ly/5sjM50ZWVq8
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Money isn’t the only measure of a successful small business. 99% of owners we surveyed said at least one outcome matters more than maximizing revenue. Find out what matters most to owners in 2026 in our Cash Flow Compass Report. Get the report: relayfi.com/cash-flow-compas…
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91% of small business owners say business ownership is a key part of achieving the American Dream. But freedom comes with financial pressure. We asked 1,000+ owners how they’re navigating it. Get the 2026 Cash Flow Compass: ow.ly/Ls7u50ZUZ5h
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Payroll shouldn’t be the moment you find out you’re short on cash. Tomorrow, we’re teaming up with @GustoHQ to talk about keeping banking + payroll in sync, planning ahead for payday, and avoiding cash shortfalls. 📆 Sep 30 at 1pm ET 🔗 Save your spot: lnkd.in/eThqfkMi
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More revenue has a funny way of becoming more expenses. @MikeMichalowicz's fix: reserve your cash first, then operate with what’s left. Watch the full Profit First Playbook: youtube.com/playlist?list=PL…
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