Brex
Brex offers innovative corporate cards and cash management solutions specifically designed for growing businesses, with no personal guarantees required, intelligent expense management, and tailored rewards programs.
About Brex
Founded in 2017, Brex has rapidly established itself as an innovative financial services provider focused on meeting the unique needs of growing businesses, startups, and scale-ups. Unlike traditional financial institutions that often apply consumer banking models to business needs, Brex was built from the ground up specifically for companies, with a deep understanding of their cash flow patterns, growth trajectories, and operational requirements. This focused approach has allowed them to reimagine corporate cards and cash management in ways that address long-standing pain points for business owners and finance teams.
Brex's flagship product is their corporate card, which stands out for its unique underwriting model that doesn't require personal guarantees—a significant departure from industry norms. Instead of evaluating business owners' personal credit scores, Brex considers company cash flow, funding, and potential. This approach makes their cards accessible to promising businesses that might be declined by traditional providers. Their cards come with generous credit limits that scale with business growth, along with a rewards program specifically designed for business spending patterns, offering higher points on categories like software subscriptions, travel, and advertising.
Beyond just providing cards, Brex has built a comprehensive financial platform that includes business cash accounts, expense management software, and bill payment capabilities. Their integrated dashboard gives businesses unprecedented visibility into their spending patterns and cash flow, while automation features eliminate many manual accounting tasks. For venture-backed startups and high-growth companies, Brex offers specialized features like seamless integration with accounting software, custom spending policies, and dedicated support. This holistic approach to business finance—combining spending tools, cash management, and intelligent software—positions Brex as more than just a card provider but as a comprehensive financial operating system for modern businesses.
Customer Reviews
"As the CFO of a rapidly scaling tech startup, Brex has been a game-changer for our financial operations. The fact that we didn't need personal guarantees was crucial—it allowed us to separate business and personal finances cleanly from day one. The credit limits are exceptionally generous compared to what traditional banks offered us, and they've increased our limit three times as we've grown without us even asking. The expense management platform has eliminated hours of manual reconciliation work each month, and the integration with our accounting software is seamless. Perhaps most valuable is the spending insights dashboard, which helps us identify cost-saving opportunities across departments."
Key Features
| Credit Score Required | N/A |
| Maximum Funding | $5,000,000+ |
| Approval Time | Minutes to Hours |
| APR Range | Variable |
| Application Process | 100% Online |
What They Offer
- No Personal Guarantee Required
- High Credit Limits
- Expense Management Platform
- Business Cash Accounts
- Custom Spending Controls
- Business-Focused Rewards
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