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Credit Limits


Brex generally requires its customers to maintain a cash balance of at least $25,000 to maintain any credit limit. This minimum requirement is assessed on a case-by-case basis depending on our determination of risk and may be adjusted at our sole discretion.If your net cash balance falls below this...

Brex admins can free up more spending room in the following ways. Make an early paymentYour limit will be adjusted after your balance is paid, which you're welcome to do at any time! Please read How do I make a payment to Brex? for instructions on how to pay off your statement balance early...

Credit limits for monthly statements cards are dynamic by design and are regularly adjusted according to your company's spending patterns, cash balance, sales (for certain customers), and other factors. The range is generally ~5-20% of your bank account balance.We understand that there may be months...

The credit limit for your daily statements card is determined primarily by the funds available in your Brex Cash account. External bank accounts connected to your Brex account won’t impact your credit limit.Your limit will be up to 100% of your current cleared Brex Cash balance. To increase your...

Note: Revenue access is currently only available to early access customers, and will be generally available soon.Revenue access overviewWith our revenue access feature, customers using Brex Cash and a daily statements card can spend their unpaid revenue from connected selling platforms like Amazon...

Customers who've been approved for a Brex Cash account have a few options to receive credit limits depending on their business type. With Brex Cash, your credit limit is often more predictable since it's based on your Brex account balance rather than an external bank balance. Daily statements...

Connected bank underwritingBrex uses either Finicity or Plaid to connect to your bank accounts so we can view account transactions and balances. We have two options to support as many customers and banks as possible.Your card's credit limit is directly related to the cash balance in your connected...

A company’s credit limit is dynamic by design and is adjusted on a regular basis depending on spending patterns and cash balances. For this reason, it's not explicitly displayed in the Brex dashboard. Brex admins can check their company’s limit at any time by following theses steps:Step 1: Click...

Net 60-day statements (grandfathered accounts only)Brex previously offered net 60-day statements to certain customers. Grandfathered accounts may maintain their net 60-day statement periods, but otherwise, Brex no longer supports net 60-day statements. Read about Monthly or Daily statements...

Company credit limitsYour company's credit limit is the amount that you can spend as a team within your statement period. This limit is dynamic by design and is regularly adjusted by Brex according to your spending patterns and cash balances.Credit limits don't reset after a specific time period...

Brex customers approved for the monthly payments card and a Brex Cash account have the ability to switch between a monthly payment cycle and a daily payment cycle. Please review the different features below. Daily payments Credit limit: Calculated as 100% of your Brex Cash account balance...

We understand that there may be months you need to spend more than your credit limit allows. There are a number of ways that you can request a higher credit limit. Please reference the relevant section below.Credit limits are dynamic by design and are adjusted on a regular basis depending on your...

To determine your credit limit from your bank statements, Brex will require at least one operational business account and two months' worth of statements. In order to be acceptable for underwriting purposes, these statements should be: Complete: Statements with missing pages will not be accepted...

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...

Brex changes credit limits to $0 when account activity suggests that you may become unable to repay the balance. Additionally, Brex can change your credit limit to $0 at our sole discretion based on violations of our platform agreement, a Terms of Service violation, or our determination of risk...