Brex

Brex is a financial platform for startups and growing companies that bundles a corporate charge card, business banking, spend management, bill pay, and travel into one account. Its card underwrites limits based on a company's cash balance, revenue, and spending patterns rather than a founder's personal credit, so venture-backed companies can get limits far higher than a traditional small-business card and without a personal guarantee. The business account includes checking, a high-yield treasury option, and a savings vault with expanded FDIC coverage through partner banks, along with global payments across many countries and currencies. On the software side, Brex provides real-time expense tracking with automatic receipt capture and categorization, configurable spend policies, approval workflows, budgets, and integrations with accounting and HR systems, plus AI assistance for expense and finance tasks. Brex serves both early-stage startups and larger enterprises, and it partners closely with accelerators and venture firms. It offers a free tier covering the card, banking, and core spend features, with a paid premium tier and enterprise plans adding advanced controls, more integrations, and higher limits. Following its acquisition by a large bank, announced in early 2026, Brex continues to operate under its own brand.