by RAYL.Business Solutions

We are building your Business Capital Forum.

Our vision is to become our own capital platform, starting with the challenger process, where RAYL.Financial will sit on top of a Tier 1 or Tier 2 Canadian or Global financial institution.
We'll save you time and money!
RAYL.Financial will offer Canadian SME’s specifically Retail merchants flexibility and access to a wide range of services and analytics.

Because our merchant partners need more than the best management super app and payment processing solutions, they need custom lending options that empower their cash flow: term lending for small business loans, lines of credit, startup capital and more.
Vision for product offering  
24/7 availability
No matter where you are, at home or abroad, you will be able can access your bank account via the app, check your account balance, control your savings, get customer support, make payments and even lock your debit card if needed. In addition, you will get real-time notifications every time you make a transaction, so there won’t be any surprises at the end of the month. No need to make appointments, stand in line and lose working hours to manage your finances.
Get approved fast
Opening an account with RAYL.Financial will be simple, with no lengthy paperwork.
You will just need to download the app, prove your identity, top up your account and you’re ready to go. RAYL.Financial won’t even require credit checks, so you can open an account and get access to it in minutes.
Lower fees
Another main reason to use RAYL.Finacial will be the low (or no!) fees. As a mobile-only platform with no physical branches, RAYL.Finacial will offer lower fees than traditional banks – especially when it comes to ATM withdrawals, money exchange/transfer and payments abroad. For example, RAYL.Finacial, will offer zero fees on all transactions, including purchases made overseas!
Makes traveling easier
RAYL.borderless banking. Low exchange rates and low/no ATM withdrawal fees worldwide make traveling a whole lot easier (and cheaper) than with traditional banks - especially in the eurozone. And for added safety, you’ll be able to lock or unlock your debit card while you travel, directly in the app
Go paperless
One of the frustrating things about traditional banks is the amount of documents, contracts and letters that are sent to your mailbox. With mobile banks everything you need will be in the app and all communications are to be sent to your app or your email. Soon, gone are the days of rummaging through piles of paper around your house – and protecting the environment is the cherry on top.
Building and scaling RAYL.Financial to sustain success.  
What will set up apart?

RAYL thinks Ecosystem.

We’ll provide a solution to every facet of your business: increase efficiency by managing your business online, lower your financial costs and save time. 

We’ll connect you with fellow RAYL-ers to scale up faster, share information and discuss issues of common business interest.

Check out the related services coming soon:

RAYL.Pay will be a next generation Payment Platform.

RAYL's SuperApp, and ERP system for SMEs is already available and supports numerous subscribers in their productivity boost, cost saving and growth initiatives. Bundled as RAYL.Apptive are 14 modules that offer business process automation opportunities, while the RAYL.Apptive package includes the 14 modules and offers additional 6 apps to integrate your customer and externally focused activities into a cloud-based, secure system, avalable 24/7, anywhere.

Choose RAYL's superApp to start managing your business online.

Sell more, source leads, and connect to fellow SMEs, who are ready to render your services. Alternatively, offer them yours. RAYL.Market is the ultimate Business Directory in the RAYL Ecosystem.