How Brex credit limits work →
In order to give you the highest credit limit possible, our underwriting model relies on maintaining visibility into your company’s cash balance and transactions.
Underwriting & credit limits
Manage your bank accounts for underwriting →
Brex uses connected bank accounts to help determine your company’s credit limit. Account and card admins can connect additional bank accounts, remove or fix a current connection, and verify which accounts are currently connected, all from the Brex dashboard.
Statement underwriting →
Statement underwriting is an alternative way for us to underwrite your account limit if you cannot/choose not to connect your bank account. It involves downloading a statement from your bank and manually uploading it to Brex.
Your company credit limit →
Your company credit limit, or account limit, is the maximum amount that all of your team members can spend.
Types of banks you can connect →
Brex uses the aggregate cash balance in your corporate bank account to underwrite your business. Linking allows Brex to have real time visibility over your cash balance and adjust your company credit limit accordingly
Help with your credit limit →
If you notice that your account’s spending limit has recently changed but aren’t sure why, it might be due to one of these common reasons.
Financial statement underwriting →
If you’re one of our customers making monthly payments, we can use financial statement underwriting to assign your account’s credit limit based on financial statements. The documents we can accept include balance sheets, income statements, and cash flow statements.