The Brex Card is designed for incorporated U.S. businesses that meet Brex’s legal, operational and financial eligibility standards. The headline requirements are straightforward: a valid U.S. EIN, U.S. incorporation, U.S. operations and a verifiable physical U.S. address. The harder part is the financial fit. Brex applies different qualification paths depending on whether a company is seeking daily or monthly card payments, and it also reviews business model, source of funds, spending patterns and overall risk.
For funded startups seeking monthly payments, Brex currently publishes a general $50,000 minimum cash guideline, with possible lower thresholds through certain partner referrals. Commercial businesses seeking monthly payments generally need more than $500,000 in annual revenue. Mid-market and enterprise applicants generally need more than $400,000 in monthly revenue, or about $4.8 million annually. For daily payments, a company can qualify through equity funding, more than $500,000 in annual revenue, or certain referred technology-startup paths.
These are qualification guidelines, not guaranteed approvals. A company can meet a published revenue or cash threshold and still be declined or asked for additional documents if Brex cannot verify the business, considers the financial profile weak, or determines that the activity falls outside its risk appetite.
Independent disclosure BrexCardAdvisor is an independent informational publication. It is not Brex, Capital One, a card issuer, or an application service. Requirements can change, and meeting published criteria does not guarantee approval. Verify current terms directly with Brex before applying.
| Requirement | Current 2026 guidance |
|---|---|
| U.S. EIN | Required; issued by the IRS |
| U.S. incorporation | Required |
| U.S. operations | Required |
| Physical U.S. address | Required and must be verifiable |
| Eligible entity examples | C-corp, S-corp, LLC, LLP |
| Sole proprietors | Not eligible |
| Unincorporated partnerships | Not eligible |
| Daily-pay qualification | Equity funding, $500k+ annual revenue, or qualifying referred tech-startup path |
| Funded startup monthly-pay cash guideline | $50,000 minimum cash in general; some partner exceptions may apply |
| Commercial monthly-pay guideline | More than $500,000 annual revenue |
| Mid-market / enterprise monthly-pay guideline | More than $400,000 monthly revenue |
| Personal credit impact of applying | Brex says application does not affect personal credit score |
| SSN | May be requested for KYC; not used for personal credit underwriting |
| Typical review timing | 1–3 business days, with longer review possible if more information is requested |
Brex limits account eligibility to companies organized and registered in the United States. Common qualifying entity forms include C corporations, S corporations, limited liability companies and limited liability partnerships. The company must exist as a separate legal business entity; Brex does not currently open standard accounts for individual consumers or informal sole proprietorships.
A valid Employer Identification Number issued by the IRS is required. Brex may ask for an IRS CP 575 or 147-C letter to confirm the legal business name and EIN. If a newly formed company has not yet received the mailed letter, Brex may accept alternate proof temporarily and ask the applicant to follow up with support.
The company must have U.S. operations. Incorporating in the United States only on paper does not by itself establish eligibility if the rest of the business profile cannot be verified. Brex may review business activity, website information, operating location, ownership and intended account use as part of onboarding.
A verifiable U.S. physical address is required. Brex can accept a legitimate business location or the residential address of a beneficial owner or controlling officer when appropriate. It does not accept a USPS P.O. Box, private mailbox or other mailbox-only service as the business address.
Eligibility is not determined only by revenue. Brex also evaluates the company’s industry and business activity under its platform agreement and risk policies. Companies in ordinary operating sectors may proceed to underwriting, while companies in prohibited or restricted activities can be denied or subject to additional conditions.
Brex can restrict or prohibit activities based on legal, compliance, sanctions, financial-crime and partner requirements. Because these lists can change, an applicant in a heavily regulated or higher-risk industry should review Brex’s current restricted-activity terms before relying on general eligibility thresholds.
A U.S.-registered C corporation can apply if it satisfies the rest of Brex’s requirements. Venture-backed C corporations are a common fit because Brex can evaluate funding and company cash rather than depending on a founder’s personal credit file.
U.S. S corporations are also eligible entity types. The business still needs a valid EIN, verifiable physical presence, ownership information and a financial profile that fits the selected payment structure.
U.S. LLCs can apply. An LLC does not receive automatic approval simply because it is registered. Revenue, cash, funding, business activity, linked financial accounts and the completeness of ownership verification can all influence the final decision.
LLPs are included among entity examples Brex lists as eligible for a Brex Account. As with corporations and LLCs, the partnership must be formally organized and registered in the United States and meet the broader platform requirements.
Brex works with nonprofits on a case-by-case basis. It may request governance information, board details, bylaws, a 501(c)(3) designation and articles of incorporation. Nonprofit approval therefore requires more than simply demonstrating tax-exempt status.
Sole proprietors are not currently permitted to open a standard Brex Account. This is an important difference from many mainstream small-business cards, which often allow a sole proprietor to apply using an SSN and business income.
Unincorporated partnerships are also excluded. Businesses operating informally should first consider whether forming an eligible U.S. legal entity makes sense for legal and tax reasons independent of Brex; incorporation should not be done solely to obtain a card.
Brex must be able to verify a real physical U.S. address associated with the business or an appropriate owner/officer. A normal office, coworking location used by the company, or another legitimate place of operations may satisfy this requirement when verifiable.
When a company does not maintain a traditional office, Brex can use the residential address of a beneficial owner or controlling officer for verification in appropriate cases. The individual must have a verifiable physical presence in the United States.
A virtual registration address does not automatically disqualify an applicant, but Brex distinguishes a registration address from actual physical presence. If the company uses a virtual address, Brex may require a beneficial owner or controlling officer to provide a verifiable U.S. residential address.
USPS P.O. Boxes, private mailboxes and mailbox-only services are not accepted as valid physical business addresses. Using one as though it were a physical operating location can delay verification or cause the application information to be considered inaccurate.
When Brex cannot verify an address electronically, it may request a recent utility bill, lease/rental agreement or bank statement. Documents should show the relevant legal name and a physical address rather than a P.O. Box or virtual mailbox.
For daily payments, Brex currently lists receiving an equity investment of any amount as one qualification path. The funding can come from an accelerator, angel investor or venture-capital investor. Brex also notes that companies planning to raise equity in the near future may fit its target profile, although the full application still requires underwriting and verification.
A business generating more than $500,000 per year in revenue can meet another published daily-payment qualification path. Revenue is not the same as profit, and meeting the threshold does not override other checks involving industry, business model, ownership, source of funds or financial condition.
Technology startups that are on a path to the funding or revenue criteria may qualify for daily payments when referred by an existing Brex customer or partner. This provides an entry path for some early-stage companies that are not yet at the standard financial thresholds.
Daily-pay card capacity is closely connected to the company’s available business-account funds. Companies that do not yet qualify for monthly card terms may still be eligible to use Brex with daily repayment, depending on their complete profile.
Daily-pay structures reduce Brex’s credit exposure because card activity is settled frequently. That can make the product accessible to some younger companies, but it also means the business must maintain enough liquidity to support operational spending as repayments occur.
Funded startups seeking monthly payments generally need to satisfy Brex’s startup profile and current cash guideline. Venture-funded or accelerator-backed companies that meet the cash requirement can qualify for monthly and/or daily payments, subject to underwriting.
A commercial company seeking monthly payments generally needs more than $500,000 in annual revenue. Brex can use revenue-based underwriting and company financial statements to assign the account limit.
Mid-market applicants seeking monthly payments generally need more than $400,000 in monthly revenue, equivalent to approximately $4.8 million per year. Brex may still decline or limit companies that meet revenue thresholds but have weak financial health.
Enterprise qualification uses the same broad revenue benchmark but can involve more extensive underwriting, financial review and contractual arrangements. Brex notes that some companies with poor financial health may receive a limit when supported by a signed contract, which shows that enterprise underwriting can be more customized.
Nonprofits are reviewed case by case. Governance, tax-exempt designation and organizational documents may be requested before Brex determines whether the organization is an appropriate fit.
Monthly payments create more exposure than daily repayment, so Brex may review connected bank accounts, bank statements, funding source and financial statements more closely. The requested information can vary by company type and financial profile.
Venture funding is one of the clearest paths into Brex’s startup underwriting model. A funded company can be evaluated on business cash, funding source and company-level financial health without relying on a founder’s consumer credit score as the primary qualification mechanism.
Companies accepted into recognized accelerators can qualify under Brex’s startup criteria when the rest of the application supports approval. Accelerator participation does not replace identity, incorporation, address and financial verification.
Brex says angel-funded companies that plan to raise capital from an accelerator or venture investor in the future can qualify for monthly and/or daily payments. The quality and verification of the funding source still matter.
For funded startups seeking monthly payments, Brex currently publishes a general minimum cash balance of $50,000. This is a cash guideline, not a required deposit into Brex and not a promise of approval.
Certain referred startups may qualify with less than the standard $50,000 guideline. Brex also encourages companies that otherwise fit its startup criteria to contact a sales representative or referral channel if they are below the published minimum.
A company that has not yet received funding but expects to raise can still apply. It may be more likely to fit daily-payment products or a business-account relationship first, depending on the rest of its profile. Applying early does not guarantee that Brex will extend monthly card capacity before the financial criteria are met.
The frequently searched “Brex $50,000 requirement” applies primarily to funded startups seeking monthly card payments. It should not be treated as a universal minimum balance for every Brex customer.
Brex says some startups referred by certain partners can qualify with a lower balance. Because partner programs can change, applicants should verify whether a specific referral path changes the requirement before assuming an exception applies.
Brex can use connected business bank accounts to understand company liquidity and determine monthly card limits. Connecting complete, legitimate business accounts gives underwriting a clearer view than showing only one partial source of cash.
If the company maintains a Brex business account, that balance can also be considered when Brex determines the card limit. The account relationship therefore affects spending capacity even though eligibility and final underwriting remain separate decisions.
Cash provides direct evidence that a company can repay short-term corporate-card spending. For early-stage businesses without long revenue histories, liquidity can be more informative than traditional credit scores or years of operating history.
More than $500,000 in annual revenue is one current published qualification path for daily payments. A company can still be reviewed for risk, restricted activity and verification even when it exceeds that amount.
Commercial businesses seeking monthly payments generally need more than $500,000 in annual revenue. Brex can then use balance sheets, income statements and cash-flow statements to support revenue-based underwriting.
Mid-market and enterprise companies seeking monthly terms generally need more than $400,000 per month in revenue. The annualized equivalent is about $4.8 million, but monthly revenue quality, cash flow and financial health also matter.
Revenue-based underwriting is useful for established businesses that may not hold venture-style cash balances. It allows Brex to evaluate the company’s operating performance rather than applying one startup-oriented cash threshold to every applicant.
High revenue can coexist with weak liquidity, large losses or unstable cash flow. Brex therefore reserves discretion to evaluate broader financial health, which is why revenue alone cannot be treated as an approval guarantee.
For commercial businesses seeking monthly card payments, more than $500,000 in annual revenue is the current general benchmark. This figure should be verified again before publication because Brex can revise eligibility policies.
Brex may use balance sheets, income statements and statements of cash flow to assign credit limits. Companies should prepare recent, internally consistent financial records rather than waiting for underwriting to request them.
Consistent revenue is generally more useful to underwriting than one unusual month of sales. A business should be prepared to explain significant changes, seasonality or unusually concentrated revenue when those factors affect the financial picture.
A company can report strong revenue and still struggle to pay a monthly card statement if receivables are slow or operating costs are high. Cash-flow quality is therefore part of the practical approval and limit discussion.
Brex explicitly states that it analyzes business model, source of funds and spending patterns. Commercial applicants should ensure their website, business description and transaction expectations clearly match the real business.
Brex currently publishes more than $400,000 per month in revenue as the general mid-market or enterprise threshold for monthly payments.
Annualizing that monthly figure produces approximately $4.8 million per year. The monthly metric matters because it reflects ongoing operating scale rather than a one-time annual total.
Brex can still view a company with adequate revenue as financially weak if liquidity, margins, cash flow or other indicators are poor. Meeting the revenue line therefore does not eliminate credit judgment.
Brex notes that some companies meeting the scale criteria but showing poor financial health may receive a limit if supported by a signed contract. This indicates that larger-account underwriting can consider contractual protections and more customized structures.
Enterprise applicants should expect more detailed diligence around organizational structure, ownership, financial reporting, intended spend, payment operations and product scope. The larger the requested program, the more important complete and accurate information becomes.
Brex states that applying does not affect the personal credit score of the applicant or employees. The company’s financial profile is the primary underwriting focus.
Brex does not publish a minimum personal FICO score for standard account qualification. This is a major difference from many conventional small-business credit cards that rely heavily on the owner’s consumer credit history.
Brex’s corporate-card model is generally positioned without a traditional personal guarantee. The company remains responsible for the obligations associated with its Brex account, and the absence of a personal guarantee should not be confused with an absence of repayment responsibility.
A founder with a limited personal credit history can still have a business that qualifies if the company itself meets Brex’s requirements. Conversely, excellent personal credit does not compensate for a business that fails Brex’s legal or financial criteria.
Brex can use funding, company cash, revenue, connected accounts and financial statements to assess repayment capacity. This shifts the focus from the individual owner to the operating company.
Brex does not publish one universal minimum business credit score for applicants. The absence of a published score does not mean business-credit information is irrelevant; it means approval is based on a broader set of factors.
Brex may consider information available through business credit bureaus or other verification sources as part of risk review. It can also request clarification when credit bureau items need to be verified during underwriting.
An established business-credit file can provide additional context, but Brex is also designed to serve startups that may have limited traditional credit history. That makes operating data, funding and liquidity especially important for younger companies.
A newly funded startup can potentially qualify without years of business-credit history if the company meets the applicable funding, cash and verification standards. Limited history should not be confused with guaranteed approval.
Brex uses current photo identification for KYC. Accepted examples include passports, passport cards, U.S. driver’s licenses and state identification cards. Expired identification is not accepted.
Brex may request an SSN to satisfy U.S. KYC requirements. Brex explicitly says this number is not used to underwrite the account or conduct a personal credit check.
Brex may request an IRS CP 575 or 147-C letter to verify the company’s EIN and legal name. The uploaded copy should be clear, complete and in the required format.
When legal existence cannot be verified through public Secretary of State data, Brex may request articles or a certificate of incorporation/organization. The document should show the legal entity formation and official state filing information.
A company website helps underwriting understand what the business does. If a company does not yet have a website, Brex allows the applicant to continue and can request a business one-pager to provide equivalent context.
The application asks for a short, accurate explanation of the business and its products or services. A vague or misleading description can create avoidable verification questions.
Brex can request utility bills, leases or bank statements when it cannot independently verify the stated business or residential address.
Regulated businesses may need to provide applicable license or registration numbers. This is part of Brex’s due-diligence process rather than a general requirement for every applicant.
Brex defines a beneficial owner as an individual who owns 25% or more of the company. These individuals may need to provide identifying information during onboarding.
A controlling officer is a person with authority and responsibility to make business or financial decisions, such as a CEO, CFO, COO or president. Private companies must provide relevant control-person information for regulatory verification.
Brex may collect names, addresses, dates of birth, SSNs and identification documents for beneficial owners and control persons. The purpose is to meet KYC and anti-money-laundering obligations and verify who controls the company.
The main applicant can invite a beneficial owner or controlling officer to enter personal information directly into the Brex application. This avoids the primary applicant having to collect sensitive identification data manually.
Financial institutions and their service partners must identify companies and relevant owners/control persons under U.S. law. A company that cannot or will not provide the required KYC information is unlikely to complete account approval.
For monthly payments, connected business bank accounts help Brex determine the company’s credit limit and financial strength. The linked accounts must be business rather than consumer accounts under the platform agreement.
Brex supports connecting business accounts through Plaid for real-time financial visibility. If the appropriate data cannot be connected, the applicant may be able to upload statements instead.
Bank statements can be used when live connections are unavailable or when underwriting needs additional evidence of cash, revenue or financial condition. Statements should be current and correspond to the legal business applying.
A current balance sheet helps Brex understand assets, liabilities and liquidity. In revenue-based underwriting, it can also provide context that revenue figures alone cannot show.
Income statements show revenue and operating performance over time. They can support commercial, mid-market and enterprise underwriting when Brex is evaluating monthly card capacity.
Cash-flow statements help explain where money is generated and used. This is especially useful when a company has high reported revenue but limited free cash after operating obligations.
Brex may ask for proof of funding for monthly card applications. The objective is to confirm the source, amount and legitimacy of capital relied upon in underwriting.
Cash shows the company’s immediate ability to repay card activity. For funded startups, it is one of the most important published financial criteria for monthly payments.
Revenue helps Brex evaluate established companies and supports revenue-based underwriting. The required scale differs between commercial and mid-market/enterprise applicants.
Cash flow matters because monthly repayment must ultimately be made from available funds. Revenue without healthy cash generation can still create repayment risk.
Equity funding can support daily qualification and startup monthly underwriting. Brex may verify the source of funds and request documentation rather than simply accepting a stated funding amount.
Brex explicitly considers the business model. Clear, verifiable operations are easier to underwrite than opaque or inconsistent activity, even when headline financial numbers look sufficient.
The source of company funds matters for both risk and financial-crime compliance. Applicants should be prepared to explain investor capital, operating revenue and other material sources of cash.
Expected spending is part of the fit analysis. A company should accurately describe how it plans to use Brex because the product is intended for bona fide business purposes.
Brex retains discretion to evaluate overall financial health. That can include liquidity, revenue quality, cash flow, liabilities and other risk indicators not captured by the public minimum requirements.
The process begins with basic details such as the applicant’s name, company name, work email, employee count and mobile number. The user then creates credentials and verifies the email address.
Applicants choose which Brex products they are interested in. Product selection can be changed later during the application, and some services require either a corporate card or Brex business account relationship.
The application collects address, incorporation, ownership and business-description information. Accuracy matters because inconsistencies can create additional verification work.
Beneficial owners and control persons provide the personal information Brex needs for KYC and AML obligations. Invited owners can submit their details privately through the application flow.
Monthly-payment applicants generally provide connected bank accounts, bank statements or other financial data. Brex can also factor a Brex business-account balance into the limit calculation.
Before submitting, the applicant can review and edit the entered details. This is the best time to correct company name, address, ownership or product-selection errors.
Brex reviews the information and may request additional underwriting or compliance documentation. Some applications can move quickly; others require follow-up because the financial or business profile needs more verification.
Brex notifies the applicant by email when processing is complete. Approved users can also check status in the dashboard and begin using the account after full approval.
Brex currently says applicants can expect review within one to three business days after submission. This is a typical review window, not a guaranteed deadline.
If Brex cannot complete underwriting or compliance review with the original information, it can assign follow-up tasks. These requests can extend the effective approval timeline.
Monthly card applicants may be asked for credit-bureau report items, proof of funding, a pitch deck or a live business website. Responding promptly with complete documents can reduce avoidable delays.
Companies providing financial services or products may be asked to complete a compliance attestation form to satisfy government or partner requirements.
Applicants can sign in to the Brex dashboard to view the application status. If information must be changed after submission, Brex directs users to contact support rather than creating conflicting duplicate applications.
Proof of funding may be necessary when the company relies on investor capital to qualify. Documentation should clearly tie the funds to the applying business.
A pitch deck can help Brex understand the business model, market, funding story and operating plan when the company is early stage or has limited public information.
A functioning website can support verification by showing real products, services, customer information or company positioning. Brex can accept a one-pager when a startup does not yet have a website.
Brex may ask the applicant to address items found in business credit or verification data. The request does not necessarily indicate a rejection; it may simply mean underwriting needs clarification.
Regulated or financial-services businesses can face additional compliance forms, licenses or registrations. These requirements are driven by the nature of the business rather than the card itself.
Updated balance sheets, income statements and cash-flow statements may be requested when Brex is assigning or reconsidering a monthly credit limit.
An individual consumer, sole proprietor, unincorporated partnership or non-U.S.-organized company does not satisfy Brex’s standard account eligibility rules.
A valid U.S. EIN is required. Using an incorrect EIN or an EIN that does not match the business name can prevent verification.
A mailbox-only address, unverifiable physical address or inconsistent address documentation can create a verification failure.
Companies engaged in prohibited or restricted activities can be denied even when they meet cash or revenue thresholds.
A funded startup below the relevant cash requirement, or an operating business below the revenue path it is applying under, may not qualify for the requested payment structure.
Revenue alone does not guarantee adequate financial health. Brex can consider cash flow, liquidity and other indicators when determining whether monthly card exposure is appropriate.
Missing ownership details, inconsistent legal names, unverifiable addresses or incomplete KYC information can prevent approval.
Brex explicitly evaluates business model, source of funds and spending patterns. A company can therefore be declined even when it meets a headline financial threshold if the broader risk profile is not a fit.
Brex states clearly that satisfying the published requirements does not guarantee approval. The public criteria should be treated as minimum fit indicators rather than an entitlement to an account.
Underwriting and compliance teams can review how the company makes money, what it sells and how it expects to use Brex. Inconsistent or unclear activity can create additional questions.
Brex may verify where investor capital, revenue or other cash came from. A legitimate and documentable source of funds supports both credit and compliance review.
Brex can decline or limit a company with adequate revenue if overall financial health is poor. That is especially relevant for monthly card terms where Brex is taking more repayment risk.
Not every underwriting rule is public. Brex and its partners retain discretion to approve, deny, limit or request additional information based on internal risk criteria and legal requirements.
Confirm that the exact legal business name, state registration, EIN and ownership information match official records before beginning the application.
The business name on the IRS letter, incorporation documents, bank accounts and Brex application should be consistent. Differences such as outdated names or trade names can slow verification.
Keep a recent utility bill, lease or bank statement available in case automated address verification fails.
For monthly underwriting, connect legitimate business accounts that materially represent the company’s financial position rather than withholding major sources of cash.
Commercial and larger companies should have recent balance sheets, income statements and cash-flow statements ready in a format finance teams can explain if Brex asks follow-up questions.
Startups should keep investment documentation, capitalization information or other proof showing the origin and amount of funding used to support eligibility.
A straightforward website describing the actual product or service reduces ambiguity. Early-stage companies without one should prepare a concise business one-pager.
List beneficial owners and control persons accurately. Trying to avoid ownership disclosure can conflict with KYC obligations and create a more serious verification issue than the original requirement.
A U.S.-registered LLC is an eligible entity type. The LLC must be formally organized rather than operating as an informal sole proprietorship using an unregistered business name.
The LLC needs a valid IRS EIN. Brex can ask for an EIN confirmation letter to match the number to the legal company name.
The LLC must satisfy the same U.S. physical-address rules as other applicants. A P.O. Box or private mailbox alone is not sufficient.
The LLC must then fit the financial path for daily or monthly payments. Entity type alone does not replace funding, cash or revenue requirements.
LLC members who own 25% or more can be beneficial owners for Brex KYC purposes, and a relevant controlling officer must also be identified.
A pre-revenue startup can still be a fit when it has qualifying equity funding and sufficient liquidity. Brex’s startup underwriting was designed partly for companies whose value and cash position are not yet reflected in mature revenue history.
Angel-funded businesses that expect to raise institutional capital can fit Brex’s startup criteria. The funding source and company cash still need to be verified.
Accelerator-backed companies can qualify when the rest of the financial and legal requirements are satisfied.
For monthly payments, the current general guideline for funded startups is $50,000 in cash, subject to certain partner exceptions.
A qualifying referral can help some startups below the standard cash threshold, but the referral does not override verification, compliance or underwriting.
Pre-revenue startups may also be considered for daily payments when they fit the equity-funded or referred-startup criteria, providing an alternative to monthly credit exposure.
A bootstrapped company without investor funding can qualify through revenue. More than $500,000 annually is the current published level for the daily revenue path and for commercial businesses seeking monthly payments.
The company should be prepared to provide financial statements and connected banking information so Brex can evaluate more than a headline sales number.
Bootstrapped businesses often depend more directly on operating cash flow, making liquidity and payment capacity particularly important to underwriting.
A company that is not ready for monthly underwriting may still fit daily payments. The best structure depends on financial strength and how much short-term payment flexibility the business needs.
| Area | Brex | Traditional business credit card |
|---|---|---|
| Applicant type | Incorporated U.S. company | Often corporations, LLCs and sole proprietors |
| Primary underwriting focus | Company financials and business risk | Often owner personal credit plus business information |
| Personal guarantee | Generally not traditional personal-guarantee model | Common on many small-business cards |
| Personal credit check | Brex says application does not affect personal credit | Common for many products |
| Published revenue/cash thresholds | Yes, by Brex payment/business type | Usually product-specific, often less explicit |
| Sole proprietor access | No | Often yes |
| Repayment | Daily or monthly full-balance structure | Many products allow revolving balances |
| Best fit | Startups and scaled incorporated companies | Broad small-business market |
The comparison explains why Brex can be easier for one company and harder for another. A well-funded startup with limited founder credit history may fit Brex better than a traditional card. A one-person sole proprietorship with excellent personal credit may find a conventional business card much easier to obtain.
Capital One completed its acquisition of Brex on April 7, 2026. Brex continues to publish its own account requirements and application process, and those current Brex documents—not assumptions based on Capital One consumer or small-business cards—should be used when evaluating eligibility.
Brex LLC is now a wholly owned subsidiary of Capital One, N.A. The ownership change is relevant context, but it does not mean Brex applicants use the same qualification rules as Capital One-branded credit cards.
Brex still describes qualification in terms of Brex account requirements, daily/monthly payment paths, company financials, KYC and business verification. Applicants should follow the Brex onboarding flow unless Brex officially changes that process.
The items most likely to change over time are cash thresholds, revenue thresholds, restricted activities, product availability and documentation requirements. A dated “last fact checked” label is therefore important on any Brex requirements page.
☐ U.S.-organized and registered company such as a C-corp, S-corp, LLC or LLP.
☐ Valid IRS-issued U.S. EIN.
☐ U.S. business operations.
☐ Verifiable physical U.S. address; not only a P.O. Box or private mailbox.
☐ Business activity that is not prohibited under Brex’s current rules.
☐ Financial profile that fits the requested daily or monthly payment structure.
☐ For funded startups seeking monthly payments: generally at least $50,000 in cash, subject to partner exceptions.
☐ For commercial monthly-pay applicants: generally more than $500,000 annual revenue.
☐ For mid-market/enterprise monthly-pay applicants: generally more than $400,000 monthly revenue.
☐ Beneficial owner and controlling officer information.
☐ Current government-issued identification for relevant individuals.
☐ IRS EIN verification documentation if requested.
☐ Articles or certificate of incorporation/organization if requested.
☐ Physical-address verification documents if requested.
☐ Connected business bank accounts or current bank statements for financial review.
☐ Financial statements when required for revenue-based underwriting.
☐ Proof of funding, pitch deck, website or other underwriting documents when requested.
☐ Accurate description of intended Brex use and expected business activity.
At minimum, Brex requires a U.S. EIN, valid U.S. incorporation, U.S. operations and a verifiable physical U.S. address. The company must also fit Brex’s business-activity rules and meet the financial criteria for the selected daily or monthly payment structure.
There is no single revenue minimum for every applicant. More than $500,000 annual revenue is a current path for daily payments and the general commercial monthly-pay threshold. Mid-market and enterprise monthly-pay applicants generally need more than $400,000 per month in revenue.
For funded startups seeking monthly payments, Brex currently publishes a general $50,000 minimum cash guideline, with possible lower thresholds through certain partner referrals.
Not for every customer. The $50,000 figure primarily applies to funded startups seeking monthly payments. Other businesses can qualify through revenue, funding or daily-payment paths.
Potentially. Some partner-referred startups can qualify below the general startup cash guideline, and companies may fit daily-payment or revenue-based paths instead. Approval remains subject to underwriting.
Brex’s corporate-card model is generally structured without a traditional personal guarantee. The applying company remains responsible for its Brex obligations.
Brex says applying does not affect the applicant’s or employees’ personal credit scores. An SSN may still be requested for KYC identity verification, not for personal credit underwriting.
Brex does not publish a minimum personal credit score for standard qualification. The company’s financial profile and business risk are more central to underwriting.
Brex does not publish one minimum business credit score. Established business-credit information can be considered, but startups with limited credit history can also qualify when their funding, cash and verification profile is strong.
Yes. A U.S.-registered LLC is an eligible entity type if it meets the EIN, address, operations, financial and verification requirements.
Yes. Venture-funded, accelerator-backed and qualifying angel-funded startups are core Brex use cases, subject to cash, funding and underwriting requirements.
Yes, potentially. A pre-revenue company can qualify through funding and startup criteria. Monthly terms generally depend on sufficient cash, while daily-payment paths can also be available.
No. Brex currently states that sole proprietors and unincorporated partnerships are not eligible to open a standard Brex Account.
Yes. A valid U.S. EIN issued by the IRS is a baseline requirement.
Yes. Brex requires a verifiable physical U.S. address associated with the business or, where appropriate, a beneficial owner or controlling officer.
A virtual registration address can require additional verification. Brex does not accept a P.O. Box or private mailbox as the physical business address, and it may require proof of physical U.S. presence through an owner or officer.
Depending on the business, Brex can request government ID, SSN for KYC, IRS EIN documentation, incorporation documents, address proof, ownership information, bank data, financial statements, funding proof, licenses and a business description.
Brex may request them. Monthly applicants can connect bank accounts through Plaid or provide statements, and financial documents may be required for credit-limit underwriting.
Brex currently says applications are generally reviewed within one to three business days after submission. Additional compliance or underwriting requests can extend the process.
Potential reasons include ineligible entity type, restricted business activity, insufficient cash or revenue for the requested structure, weak financial health, unverifiable information, incomplete KYC or broader business-risk concerns.
Yes, in some circumstances. Brex says applicants whose eligibility has changed can contact support to request that a previous application be reopened so updated information can be submitted.
Brex Card requirements are easiest to understand when separated into three questions. First, is the company legally eligible? It needs to be a U.S.-organized business with an EIN, U.S. operations and a verifiable physical address. Second, does the company fit one of Brex’s financial paths? That may mean equity funding, sufficient startup cash, commercial revenue or mid-market/enterprise scale. Third, can Brex verify and underwrite the complete business? Ownership, source of funds, financial health, industry, address and intended use all remain relevant.
The most common mistake is treating one number—especially the $50,000 startup cash guideline—as the entire approval rule. It is not. Brex does not have one universal minimum balance or revenue requirement for every customer. The applicable criteria depend on company type and payment structure.
For a funded U.S. startup, a scaling commercial company or a mid-market business with clear financial records, the Brex application can fit naturally. For a sole proprietor, a non-U.S. entity, a company using only a mailbox address, or a business that needs approval based primarily on an owner’s personal credit, a traditional business-card product is likely to be a better match.
Because Brex’s eligibility standards can change, verify the current official requirements immediately before applying and keep this page’s fact-check date visible when publishing it.