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 performance. The information below can help you understand your Brex credit limit.
What determines your Brex credit limit
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.
We’ll underwrite your account based on one or a combination of the following:
- Connected bank funds: Available for accounts making monthly payments.
- Bank statements: Available for accounts making monthly payments (If you can’t connect your bank account).
- Brex business account funds: Required for daily payments and available for qualified accounts making monthly payments.
- Financial statements: Available for accounts making monthly payments.
Connected bank funds
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 statements
If you run into issues with connecting your bank account, 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 or sometimes three 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.
Financial statements
We may review financial statements including income statements and balance sheets to evaluate cash flow and growth trends.
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 consider your current cash balance, cash flow, and overall financial performance. As your cash balance, cash flow, or financial performance changes, your available limit may change accordingly.
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 Brex points for a variety of options listed in this article.
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 a variety of options listed in If your account makes monthly payments, you're eligible to redeem Brex points for a variety of options listed in this article.
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.
Credit limit increases
Brex continuously monitors your credit limit to provide the best possible experience. 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.