How Brex credit limits work
Overview
Brex is built to be your financial platform at every stage of growth. Whether you're just getting started, entering the Commercial or Upmarket space, or leading a global Enterprise, our solutions scale with you to manage the increasing complexity of your finances. This approach helps you spend smarter and move faster, with clear insights and high limits available quickly.
To provide a credit limit that meets your growing needs, our underwriting process adapts to your unique business model and financial characteristics assessing your company based on the metric that best reflects its strength — be it your cash balance or your sales and/or revenue performance. The information below can help you understand your Brex credit limit.
Brex underwriting
The credit limit for your Brex card account is determined based on either cash-based underwriting and/or revenue-based underwriting. In order to unlock higher limits, we recommend providing complete financial information.
Cash based underwriting
If cash-based underwriting is used to determine your limit, we’ll underwrite your account based on one or a combination of the following:
- Connected bank underwriting (available for accounts making monthly payments)
- Bank statement-based underwriting (available for accounts making monthly payments)
- Brex business account underwriting (required for daily payments and available for monthly qualified accounts making monthly payments)
Revenue based underwriting
For larger or more complex businesses, we may review bank account information and/or financial statements including income statements and balance sheets to evaluate cash flow and growth trends.
Cash-based underwriting
Connected bank underwriting
Brex uses Finicity, Plaid, or Teller to securely and seamlessly connect to your bank accounts so we can view account transactions and balances. Your card's credit limit is directly related to the cash balance in your connected bank account. if applicable. We may also consider your rolling 30-day average balance.
The best way to unlock the highest credit limit is to:
- Securely connect all bank accounts where you hold cash (our system can see your full financial strength)
- Maintain a strong payment history by paying your balance on time
Account and card admins can update bank connections or add new ones from your Brex dashboard. Finicity, Plaid, and Teller support many bank accounts. Note: If you maintain cash at multiple financial institutions that you cannot connect to Brex, providing us with statements for each account helps us give you the highest limit possible. Upload your two most recent monthly statements for additional accounts through this secure file uploader or the Financial documents page in your Brex dashboard.
Bank statement underwriting
All Brex customers are recommended to connect a bank account through Finicity, Plaid, or Teller. If you run into issues, we can provide a solution by accepting bank statements instead of an account connection.
Similar to connected bank underwriting, we use bank statements to access your cash balance to understand your company’s financial health and determine your limit.
We accept statements that meet these criteria:
- Statements must be official bank PDFs; no screenshots or scanned copies will be accepted.
- Two full months of statements are required each time a new account is introduced.
If you’d like to see instructions on how to upload bank statements, please read this help article.
Shared bank account underwriting
If two Brex cards share one or more bank accounts, you may be eligible to split that bank account balance for underwriting purposes for your credit limit.
Here’s an example where this would be applicable:
If you have two companies and want to allocate 60% of the shared balance to Company 1 and 40% of the shared balance to Company 2, if we approve the allocation, we’ll split your limit as such:
- Company 1’s split limit would be 60% of the limit from all connected banks and statements.
- Company 2’s split limit would be 40% of the limit from all connected banks and statements.
Depending on the specifics of the split, we may require a parent or affiliate company to sign a guarantee.
If you have any questions about your specific situation, please feel free to contact Brex Support.
Revenue-based underwriting
For our customers in the commercial, upmarket, and enterprise segments – Brex offers a revenue-based underwriting model designed to support high and stable credit limits.
Connected bank account information
As mentioned previously, Brex uses Finicity, Plaid, or Teller to securely and seamlessly connect to your bank accounts which provides direct visibility into revenue and cash flow patterns.
Account and card admins can update bank connections or add new ones from your Brex dashboard. Finicity, Plaid, and Teller support many bank accounts.
Note: If you’re unable to connect, provide your three most recent monthly bank statements from your operating accounts through this secure file uploader or the Financial documents page in your Brex dashboard.
Financial statement underwriting
These statements give our underwriting team a comprehensive view of your company’s financial position, including liquidity, profitability, and leverage metrics. Based on this data, we can assign a credit limit that reflects your company’s scale and financial strength.
You may submit standard financial documents, including:
- Balance sheets
- Income (profit & loss) statements
- Cash flow statements
For more information on financial statement underwriting, please read this help article
Limits by account type
Please read the relevant section below, which will outline how your credit limit is determined for your Brex card based on your product type.
Monthly payments
To determine limits with our monthly payments product, we look at your current cash balance and your 30-day rolling average balance. As your cash balance in your linked account increases or decreases, so may your credit limit.
By default, payments to settle your statements are due monthly. If you have a Brex business account in addition to a card with monthly payments, you can switch between a monthly payment cycle and a daily payment cycle).
Your autopay account can be any linked bank account, including Brex business accounts.
If your account makes monthly payments, you’re eligible to redeem your Brex points for any of the following:
- Cash back (if you have a Brex business account)
- Statement credit (if you don’t have a Brex business account)
- Gift cards
- Travel
- Transfer to miles
Daily payments
For Brex cards with daily payments, limits are based on the aggregate balance of your Brex business account across your primary checking, treasury, and vault accounts.
Payments to settle your statement are due daily. If your account makes daily payments, you’re eligible to redeem your Brex points for any of the following:
- Cash back
- Gift cards
- Travel
- Transfer to miles
Net 60-day statements
Brex previously offered cards with net 60-day payments to certain customers. Grandfathered accounts may maintain their net 60-day statement periods, but otherwise, Brex no longer supports net 60-day payments.
For accounts that have been grandfathered into this product, your Brex card limit is directly related to your estimated revenue reported in your accounts that are connected to Brex. Your limit depends on the balances of connected bank accounts and/or bank/financial statements, as well as any connected ecommerce platforms such as Amazon or Shopify.
Limit revaluations
Brex continuously monitors your credit limit to provide the most optimal experience, not to make arbitrary changes. Your credit limit is designed to remain stable and predictable, provided you maintain the following:
- Strong payment history
- Ongoing financial visibility (via connected bank accounts or updated statements)
If your financial profile indicates you qualify for a higher limit, Brex will proactively reach out for an increase. To learn more about requesting limit increases, please refer to the article here.
Disclaimer
The information you provide is used solely for credit evaluation. Brex treats this data as confidential and complies with rigorous privacy and data handling policies. Credit limits are calculated in part by Brex’s ongoing account-specific determination of risk. These credit limits are subject to change at any time at our sole discretion in accordance with our rights outlined in the Platform Agreement.