B

Brex

Finance & Payments

Financial stack for startups and enterprises

Founded 2017San Francisco, CA, USA1,000+ employeesfreemium · Free planFrom Free (Brex Essentials); premium plans custom-pricedVerified · Sep 2026
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About Brex

Brex is a financial platform offering corporate cards, expense management, business accounts, and travel booking for startups and enterprise teams, with AI-powered spend controls and accounting integrations.

Editorial Assessment

Brex is a financial technology company founded by Henrique Dubugras and Pedro Franceschi, both Brazilian entrepreneurs who previously founded Pagar.me (a Brazilian payments company acquired by Stone). Brex launched in 2017 with a bold premise: provide corporate credit cards to startups that traditionally could not qualify for them because they lacked the operating history and revenues required by traditional banks. The key innovation was Brex's underwriting model, which evaluates a startup's bank balance and investor backing rather than requiring a personal guarantee from the founders — a major differentiator that resonated strongly with the venture-backed startup ecosystem. Brex has since expanded far beyond corporate cards into a comprehensive spend management platform covering expense management, bill pay, travel booking, and business banking services. Its Brex Empower product provides finance teams with real-time visibility and control over company spending, automated expense categorization, and integration with accounting software like QuickBooks, Xero, Netsuite, and Sage Intacct. Brex has also expanded upmarket into enterprise, serving larger companies alongside its original startup customer base. The platform's free tier for startups provides the corporate card, basic expense management, and business accounts with no monthly fee, while premium plans add additional automation, dedicated support, and advanced controls for larger organizations. Brex has raised significant venture capital from investors including Y Combinator, Peter Thiel, and others, and achieved unicorn status rapidly. The company's primary markets are the United States and global companies managing US-denominated spend.

Strengths
  • No personal guarantee required for startup corporate cards, underwritten on company financials
  • Real-time spend visibility and controls for finance teams across the entire organization
  • Integrated platform covering corporate cards, expense management, bill pay, and travel
  • Deep accounting integrations with NetSuite, QuickBooks, Xero, and Sage Intacct
  • Generous rewards program on the corporate card with startup-relevant merchant bonuses
Limitations
  • Primarily US-centric, with limited support for companies with significant non-US spend
  • Some advanced features and higher limits require premium paid plans
  • Not a full-service bank and lacks some features of traditional corporate banking relationships
  • Customer support responsiveness has been a reported concern for some users

Best For

Venture-backed startups needing a corporate card without personal guarantee requirements High-growth companies wanting unified spend management, expense reporting, and bill pay Finance teams at tech companies seeking real-time spending visibility and controls

Not Ideal For

Bootstrapped small businesses that prefer traditional bank relationshipsNon-US companies with complex multi-currency corporate card needs

Key Features

No-personal-guarantee corporate credit cards for startupsReal-time spend controls and per-card spending limitsAutomated expense categorization and receipt matchingBill pay and vendor payment automationAccounting software integrations with NetSuite, QuickBooks, and Xero

Who It's For

Venture-backed startups and scale-upsFinance teams at mid-market technology companies

Integrations

NetSuiteQuickBooksXeroSlackRipplingConcur

Platforms

Web iOS Android

Founders

  • Henrique Dubugras
  • Pedro Franceschi

Products & Tools

Brex Corporate CardCorporate Credit Card
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A corporate credit card designed for startups and technology companies that requires no personal guarantee from founders. Underwritten based on company bank balances and investor backing, with rewards tailored to startup spending categories like software, travel, and restaurants.

freemium · Free planFrom Free (no annual fee)
No personal guarantee required for startup issuanceHigher credit limits based on company financialsStartup-optimized rewards on SaaS, travel, and diningVirtual cards for online subscriptionsReal-time transaction notifications
Brex Empower (Spend Management)Spend Management
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An enterprise spend management platform that gives finance teams real-time visibility into all company spending across corporate cards, expense reimbursements, and vendor payments. Includes automated expense categorization, policy enforcement, approval workflows, and deep accounting software integrations.

subscriptionFrom Custom pricing for enterprise
Real-time spend visibility across all payment methodsAutomated expense categorization and receipt matchingSpend policy enforcement and approval workflowsBill pay and vendor payment automationERP and accounting integrations (NetSuite, QuickBooks, Xero, Sage Intacct)

Sources & Verification

Last reviewed September 2026

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Tags

Corporate CardsExpense ManagementFinanceStartup

Category

SaaS Companies

Finance & Payments

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Official Website

brex.com

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