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Credit Limits


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...

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...

Brex CashCustomers who have been approved for Brex Cash have a few options to receive credit limits depending on their business type. With a Brex Cash account, your credit limit is often more predictable, since we don’t need to rely on external bank accounts to view your available cash.Daily...

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 credit limit is directly related to the cash balance in your connected bank...

Brex changes credit limits to $0 when account activity suggests a customer is likely to be unable to repay its 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 due to our determination...

Customers of Brex who are approved for the monthly payments card and have a Brex Cash account have the ability to switch between a monthly payment cycle, and a daily payment cycle. Daily payments Enabled when a Brex Cash account is opened. Credit limitLimit is calculated as 80% of your Brex Cash...

In order to determine your credit limit from your bank statements, Brex will require at least one operational account and 2 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 Admins are able to manage their employee spend by creating expense policies, sending automatic reminders to employees who need to take action, and reviewing all out-of-policy transactions in their dashboard. Users can respond to the email reminders with their receipt and we will auto-match it...

Your company's credit limit is the amount that your company can spend as a whole within your statement period. This limit is dynamic by design and is adjusted on a regular basis depending on a company's spending patterns and cash balance. Your user limit is the amount that you are able to spend as...

We understand 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. Tech/Life sciences: Credit limits are dynamic by design and are adjusted on a regular basis...

A company’s credit limit is dynamic by design and is adjusted on a regular basis depending on a company's spending patterns and cash balance. For this reason, it is not explicitly displayed on the Brex Dashboard. Brex Admins can check what their company’s limit is at any given time by following...

Brex Admins are able to free up more spending room in the following ways. Option 1 - Make an early payment Please read How do I make a payment to Brex? for instructions on how to pay off your statement balance early. Option 2 - Redeem points for a statement credit Some customers are eligible to...