How does building business credit work when I use Brex?

While Brex isn’t a credit agency, we typically provide payment performance details for Brex accounts to credit reporting agencies. When customers pay on time, sharing this data may increase their chances of building credit.

Score determination

We partner with Experian, Dun & Bradstreet, and Equifax to report your company’s payment history to one or more credit reporting agencies (Section 2.5, Platform Agreement). This means you can build your business credit history simply by using your Brex card and making timely payments.

These agencies use your Brex payment data to help determine your credit score — we are not involved in this calculation. For more details on how your information is processed, please reach out to your preferred credit bureau.

Brex reports the previous month’s payment history at the beginning of the next month and it’s up to the discretion of the credit agency to determine how quickly that information will reflect on your credit report and how that information would affect any credit scores they create.

Late payments

If your automatic payment fails, Brex will notify the account or card admins. You’ll need to manually make a payment to cover your full balance. You can find more information by reading How do I make a payment to Brex?.

Late or missed payments can result in zeroed credit limits. We will report to Experian, Equifax, and Dun & Bradstreet on delinquent payments every 30 days.

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