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How do Brex credit limits work?

Brex is unique in that its credit model is flexible enough to underwrite many businesses that have limited operating history, revenue, or profitability. In order to give our customers the highest credit limit possible, our underwriting model relies on maintaining visibility into a company’s cash balance and transactions.

Because of this, Brex credit limits fluctuate more than other credit cards, as they adapt to the unique financial characteristics of each business. The information below can help you understand how and why your Brex credit limit may change, as well as highlight circumstances where your credit limit may be reduced to $0.

There are two main ways Brex issues a credit limit:
  1. Connected-bank underwriting (recommended)
  2. Exceptions to Connected-bank underwriting: Statements

Connected-bank underwriting


Brex uses either Finicity or Plaid to connect to your bank accounts so that we can view account transactions and balance data. We have two options to support as many customers and banks as possible.

Brex for Tech and Life Sciences:

Your assigned credit limit is directly related to the cash balance Brex sees in your connected bank account, including your Brex Cash balance, if applicable. As the cash balance in your accounts change, so does your limit. The best way to maintain a stable credit limit is to maintain a stable cash balance in the account(s) you connect to Brex. Drastic or consistent decreases in the cash balance of that connected account will also result in a lower limit, potentially as low as $0 in certain circumstances.

Note: Brex will assign you a credit limit based on the total cash balance we have visibility into and we ask for visibility into your cash balance so that we can give you the highest possible credit limit. If you maintain cash at multiple financial institutions that cannot be connected with Finicity or Plaid, it is important that you provide Brex with statements for each account so that we can include it in your limit calculation. Brex account admins can update bank connections or add new ones here. Finicity and Plaid support many bank accounts, but there are still some that are unsupported. If you are unable to connect your bank through the link provided, you can upload monthly statements for additional accounts here (your two most recent monthly statements are required). Additional details on bank-statement underwriting are outlined below.

Opening a Brex Cash account is another great way to increase your credit limit because it gives us the ability to assign a limit without relying solely on external bank connections or monthly statement uploads as described below.

Brex for Ecommerce:

Your credit limit is based on our estimation of your revenue calculated by analyzing sales data from bank accounts and sales platforms like Amazon and Shopify. From connected bank transaction details, we estimate your revenue and then calculate your limit as a percentage of that estimated revenue. The percentage applied to your estimated revenue is determined by our internal credit models, which use information from both your bank account transaction activity and third-party business credit reports.

In order to maintain an active account at Brex, Ecommerce customers must maintain a $25,000 minimum cash balance and $50,000 net monthly revenue. Brex calculates net revenue as: gross sales minus discounts, taxes, fees, and shipping costs.

We also consider Ecommerce sales platforms (Amazon, Shopify) to help us further refine our estimate of your revenue when assigning a credit limit. When we use these sales platforms to underwrite, we still require a bank connection or monthly bank statements to ensure your company has adequate cash balances to support repayment.

We can also consider financial statements such as your P&L (profit and loss) and balance sheet when underwriting your account. This form of underwriting requires higher minimum sales and cash balances.

Exceptions to Connected-bank underwriting: Statements


All Brex customers are required to connect a bank account through Finicity or Plaid. In the rare case where a connection through Finicity or Plaid is not possible, Brex may agree to waive this requirement and accept bank statements in lieu of an account connection. Similar to connected-bank underwriting, Brex uses bank statements to access your cash balance and transaction history and assign you a credit limit. If Brex is using statements to underwrite your account as opposed to using a connected bank, we have a few guidelines in order to maintain a credit limit. We will proactively email you at the beginning of each month to collect your previous month’s statement(s) so that your limit is always reflective of your most recent month’s cash balance.
  • Bank statements must be submitted each month
  • Statements must be official bank PDFs and will not be accepted if they are screenshots or scans
  • Two full months of statements are required each time a brand new account is introduced
  • Please read What is statement underwriting? for more information
Brex for Tech and Life Sciences:

Your assigned credit limit is directly related to the cash balance stated on your statement, so limits will increase or decrease according to your statement balance.

Brex for Ecommerce:

We use the bank transaction details from your provided statements to estimate your revenue. We then calculate your limit using our internal credit models, which underwrite your bank transaction activity and third party business credit reports to provide a credit limit that is a percentage of your estimated revenue.

In order to maintain an active account at Brex, Ecommerce customers must maintain a minimum of $25,000 cash balance and $50,000 net monthly revenue. Brex calculates net revenue as: gross sales minus discounts, taxes, fees, and shipping costs.

We also consider Ecommerce sales platforms (Amazon, Shopify) to help us further refine our estimate of your revenue when assigning a credit limit. When we use these sales platforms to underwrite, we still require a bank connection or monthly bank statements to ensure your company has adequate cash balances to support repayment.

We can also consider financial statements such as your P&L (profit and loss) and balance sheet when underwriting your account. This form of underwriting requires higher minimum sales and cash balances.

$0 Credit Limits


Brex changes credit limits to $0 when account activity suggests a customer is unable to repay its balance. Below are examples of scenarios that might lead to a $0 credit limit.

Connected-bank staleness:

Occasionally, your Finicity or Plaid connection may lose connectivity and become “stale” which requires you to re-establish the connection. When there are long periods of staleness, Brex is unable to issue you a credit limit since our product requires visibility into your company’s cash balance. Therefore, bank staleness will result in a reduced credit limit and Brex will change your credit limit to $0 if your account remains stale for too long. Brex will proactively send your account admins emails to alert you before we change your credit limit to $0 due to a stale bank connection.

Note that banks sometimes make changes to their products or the way that they send data to third party softwares like Finicity and Plaid. These changes may cause the bank account connection that Brex maintains to be “stale”, even if you have recently re-established the connection.

Missing statements:

If Brex does not receive your previous monthly statement for an extended period of time, Brex will change your credit limit to $0. As a reminder, Brex will proactively email you at the beginning of each month to collect your previous month’s statement(s).

Minimum cash balance:

Brex generally requires its customers to maintain a cash balance of at least $25,000 to maintain a limit. If your net cash balance falls below this threshold, Brex will collect your outstanding balance and change your credit limit to $0. This minimum cash balance threshold is assessed on a case-by-case basis depending on Brex’s determination of company risk.

Failed payments:

Brex will also change your credit limit to $0 in the event of a failed payment (the payment you make to Brex for your charges). There are many reasons for failed payments and a number of ways to resolve them and restore your credit limit. If at any point you fail a payment with Brex, you will receive an email notification prompting your action to help correct the issue.

The most common reason for a failed payment is insufficient funds in your external payment account. This is often caused by designating the incorrect bank account for payment or by failing to update your Brex payment methods if you switch bank accounts or banking institutions. Whenever you switch bank accounts, be sure to go to Settings in your dashboard and update the Autopay section to the correct bank to avoid failed payments.

The second most common reason for a failed payment is due to Brex not having authorization to draft from your account (you may have blocked all new vendors from access to your account, or mistakenly blocked Brex through another rule applied to your bank account). If you have any ACH blocks set on your account, you will want to ensure Brex has been added to your bank’s whitelist prior to your first payment to avoid any service disruption.

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