Novo
Business checking tools for independent US businesses
Business banking and cash flow organization

Relay organizes small-business money through accounts, automated transfers, and spending controls. An owner can separate funds for purposes such as payroll, taxes, and operating expenses, then set rules for moving deposits between them. Staff cards use spending limits and defined roles.
Receipt capture and categorization connect transactions to accounting tools. Bill handling covers uploads, delegated tasks, approvals, and vendor payments, while invoicing supports customer collections. These tools let an owner share finance work while controlling access to the money and records. Relay is a financial technology platform with banking services from Thread Bank, and its account, card, and payment tools depend on eligibility and service terms.
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