Brex for Startups
Corporate cards with no personal guarantee, plus spend management for growing startups
Corporate cards and spend management with no personal guarantee
- Best for
- Pre-seed, Seed, Series A+
- Available in
- United States
- Program type
- Software Access
- Last verified
- Apr 19, 2026
About this program
Brex is the corporate-card layer most venture-backed startups add on top of a business bank account. The core benefit is commercial underwriting: cards are approved based on company financials, not the founder's personal credit, and there is no personal guarantee. For startups that have raised seed or Series A capital, credit limits tend to be significantly higher than a consumer-style business card.
The partner perks marketplace inside the Brex dashboard surfaces credits and discounts from popular startup tools. Founders often activate a handful of those perks in the first few weeks of onboarding. Brex also integrates with accounting software so expense categorization and close cycles stay clean from day one.
What you get
- Corporate cards and spend management with no personal guarantee
- Offer type: Software Access
Eligibility
US-incorporated business entities with either venture funding or verifiable business revenue. Sole proprietors and personal-use accounts are not supported.
- Stage
- Pre-seed, Seed, Series A+
- Region
- United States
- Incorporation required
- Yes
How to apply
- Go to brex.com and start the application.
- Provide EIN, business address, and information on each beneficial owner.
- Connect business banking for underwriting, or upload a recent funding announcement or bank statement.
- Approval typically takes a few minutes to a few days, depending on the data provided.
- Once approved, issue physical or virtual cards, invite teammates, and set per-card spend limits from the dashboard.
Frequently asked questions
Does Brex require a personal guarantee?
No. Brex underwrites based on the business's financials, and the cards do not require a personal guarantee or personal credit check.
Can a pre-revenue startup get a Brex card?
Typically yes, if the startup has raised institutional funding or holds a sufficient bank balance. Bootstrapped pre-revenue companies often find it easier to start on Mercury or a similar bank-first product and add Brex later.
What is the Brex partner perks marketplace?
Brex customers get access to discounts and credits from partners like AWS, Notion, and others. The list changes over time and is visible inside the Brex dashboard after approval.
Is Brex available to non-US companies?
Brex's primary product coverage is US business entities. Some international expansion has occurred in phases. Founders based outside the US should check the current supported-country list on Brex's site before applying.
You'll be redirected to Brex to apply. FounderDeals never handles applications.
Alternatives to Brex for Startups
Other payments & fintech programs founders weigh against Brex. Each links out to the provider's official page.
