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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...

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...

The credit limit for your Brex card with daily payments 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...

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...

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 these steps:Step 1:Click Card...

Brex Cash customers have a few options to receive credit limits depending on their business type.Having a Brex Cash account, and the balance in that account, will play a role in your overall credit limit, whether you have a Brex card with daily payments or monthly payments. Daily payments:Limits are...

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...

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. Payments...

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 paymentsCredit limit:Calculated as 100% of your Brex Cash account balance. Connected...

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...

Net 60-day statements (grandfathered accounts only)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. Read about Monthly or Daily payments...

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...

Though uncommon, your available spend could end up in the negative. This most often happens when you have used balance on your account and Brex updates your limit to below that of your used balance.The best way to address this is to follow these steps.Step 1: Make an early payment to free up...

When you enable instant revenue, your card limit will reflect a combination of your available Brex Cash balance and earnings from connected selling platforms. You can see how much instant revenue will increase your card limit on the Transactions page under the Card tab in your dashboard. This limit...

Some companies that share bank accounts are able to split their overall credit limit with different allocations. Here’s an example to explain this further: If you have two companies and want to allocate 60% of the shared limit to Company 1 and 40% of the shared limit to Company 2, if we approve the...

To qualify you for a monthly statements card, we consider a variety of factors. If you’re a startup company, we generally require: A US Employee Identification Number (EIN) $50,000 minimum in a US-based bank account at the time of application ($100,000 if self-funded) Professional investors like...

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...