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Introducing Brex cash
It’s time to replace your bank account
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Interest-free financing for ecommerce

Not a loan. Not a cash advance. It’s financing built for the way you work. It’s the Brex corporate card for ecommerce.
Signing up will not affect your credit score.

Net 60 terms

Take a full 60 days to pay to better manage your cash flow. See how it works.

Interest-free

No interest, no fees, no catch. See how we compare and how Brex makes money.

Instant approvals

Apply in as little as 5 minutes, and get your virtual card instantly upon approval. See how to get started.

Invest in your growth with the first corporate card for ecommerce.

Built for modern brands

Your Brex card comes with a 60-day, interest-free credit limit, plus advanced fraud protection, easier expense management, and U.S.-based support—all on the Mastercard network.
Signing up will not affect your credit score.
Net 60 terms
Take a full 60 days to pay your bills and improve cash flow management.
Support
Our U.S.-based support team is available via phone, email, and chat to assist with anything.
Higher limits
Get a credit limit at 50-100% of your future monthly sales, up to $5 million.
Fraud protection
Brex has 24/7 fraud monitoring, and you’re never liable for unauthorized transactions.

The smartest way to finance.

Against merchant cash advances, credit lines, bank or working capital loans*, there’s just no comparison. We’ll prove it.
Brex Card
Working Capital Loan
Credit Card
01
Application Time
5 minutes
1-2 hours
> 20 minutes
02
Personal Credit Check
No
Yes
Yes
03
Personal Guarantee
No
Yes
Yes
04
Funding Time
Instant
1-7 days
1 week
05
Payment Terms
Net 60 terms
% of daily sales
Monthly billing
06
Instant Card Issuance
Yes
No
No
07
Interest Rate
Interest-free
10-99%
12-18%
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Fees
None
Monthly, origination, maintanence, and late fees
Annual and late fees
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01
Application Time
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02
Personal Credit Check
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03
Personal Guarantee
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04
Funding Time
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05
Payment Terms
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06
Instant Card Issuance
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07
Interest Rate
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08
Fees

See how it works.

Take 60 days to better manage cash flow, seasonality, and inventory.
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Modern underwriting
no personal liability
Brex underwrites your company, not you. Signing up for Brex won’t affect your credit score and does not require a personal guarantee.
Revenue-based limits
Get a credit limit at 50-100% of your projected monthly sales, up to $5 million.
build business credit
Brex reports your on-time payment information to Dun & Bradstreet and Experian to help you build up business credit history.
With Brex, we get a high-limit corporate card that makes sense for ecommerce and helps better manage our cash flow.
michael grillo,
ceo at Gravity Products
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Track and control your spend
capture receipts
Get the Brex app for easy expense tracking. Upload your receipts and we’ll automatically match them to your statement. You can also submit receipts via text and email.
add your team
Instantly add new users, issue cards, and set and track specific spending limits for everyone on your team.
expense management
Easily analyze employee spend and simplify month-end reconciliation. We integrate with QuickBooks®, Xero™, NetSuite®, and Expensify®.
partner
partner
partner
partner
We’re very excited about the addition of the Brex card to our assortment of payments tools. From the application to expense management, the entire experience has been seamless and superb.
Camille Ashley,
CEO at BEV
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Security and other benefits
fraud protection
With Brex, you’re never liable for unauthorized transactions. Your account stays secure with 24/7 real-time fraud monitoring, ID Theft and Purchase Protection.
worldwide acceptance
Part of the World Elite Mastercard® program, Brex cards are accepted in over 200 countries with no foreign transaction fees.
signup offers
Enjoy exclusive discounts from top service providers in the digital ecosystem, like Google Ads, Zendesk, Sendgrid, Postscript, and more.
partner
partner
partner
partner
Brex is perfect for online brands, because it offers financial flexibility and high-quality software without a personal guarantee.
aaron hoey,
ceo at Amour Vert
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Am I eligible to apply?
Companies must make a minimum of $100,000 in monthly sales and have been in operation for at least 1 year to be eligible for Brex’s ecommerce card. Sole Proprietorships are not eligible.
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How does Brex make money?
Brex doesn’t charge you fees or interest. Instead, we simply receive a small fee from the merchant for each purchase you make with your Brex card.
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What are the payment terms?
Each day of spend has a 60-day float. Brex will charge you for today’s spend in 60 days, and tomorrow’s spend in 61 days. 100% of the amount due on the 60th day must be repaid.
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How is my credit limit determined?
Brex determines your credit limit at 50-100% of your projected monthly sales, forecasted using the sales data you provide through your Shopify integration (or similar sales platform). Companies can get credit limits up to $5 million.
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Will applying for Brex affect my personal credit score?
No. Applying for Brex, whether your application is approved or rejected, will never affect your personal credit score.
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Are there any additional fees?
Nope. Unlike with traditional loans, merchant cash advances, working capital loans, or most other financing options, Brex doesn’t charge fees or interest, period.

Still have questions?

Talk to our team to schedule a demo.
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© 2019 Brex Inc. “Brex” and the Brex logo are registered trademarks.

The Brex Mastercard® Corporate Credit Card is issued by Emigrant Bank, Member FDIC. Terms and conditions apply. See the Brex Platform Agreement for details.

Brex Inc. provides a corporate card. Brex Treasury LLC is an affiliated SEC-registered broker-dealer and member of FINRA and SIPC that provides Brex Cash, a program that allows customers to sweep uninvested cash balances into certain money market mutual funds. Investing in securities products involves risk, including possible loss of principal. Neither Brex Inc. nor any of its affiliates is a bank. Please see brex.com/cash for important legal disclosures.