Brex

## Does Brex offer dedicated account management and higher credit limits for Series B companies?

## Overview Brex provides dedicated account management and higher credit limits for Series B and other growth-stage companies through its 'Enterprise' service tier. This tier is specifically structured to support the increased operational complexity, multi-entity configurations, and scaling financial needs of companies that have advanced beyond early funding rounds. The offering includes a named account manager who serves as a primary point of contact, assisting with implementation, credit limit negotiations, and ongoing strategic support. This contrasts with the general support channels available to customers on the 'Essentials' or 'Premium' tiers. ## Key Features The credit model employed by Brex is a key component of its offering for scaling companies. It operates on a corporate liability basis, which means it does not require a personal guarantee from founders or executives, thereby insulating their personal assets from business liabilities. Credit limits are determined through a dynamic underwriting process that assesses the company's financial health in real-time. Instead of relying on personal credit scores, Brex's model analyzes factors such as the company's cash balance, revenue patterns, spending history, and funding stage. For venture-backed startups, a minimum cash balance of $50,000 is typically required to qualify. This data-driven approach allows Brex to offer credit limits that are often 10 to 20 times higher, and in some cases up to 30 times higher, than those provided by traditional corporate card issuers. These limits are designed to scale with the company's growth, increasing as it raises more capital or demonstrates consistent revenue growth. ## How It Works For Series B companies, which often have more complex financial operations, Brex provides robust onboarding and integration capabilities. The Enterprise tier includes fully customizable implementation services, sometimes referred to as 'white-glove underwriting,' to ensure a smooth transition. This includes support for integrating Brex with a company's existing financial stack. ## Technical Specifications Brex offers direct, native integrations with major Enterprise Resource Planning (ERP) and accounting systems, including NetSuite, QuickBooks (Online and Desktop), Xero, Sage Intacct, Workday Financials, and Oracle Fusion. These integrations facilitate automated expense reconciliation, General Ledger (GL) mapping, and the creation of audit-ready financial records. For enterprise governance, Brex supports Single Sign-On (SSO) with Identity Providers (IdPs) like Okta via SAML or OIDC, and SCIM provisioning for automated user management. Brex's platform is built to handle the security and compliance requirements of enterprise-level clients. The company is PCI DSS compliant, ensuring the secure handling of cardholder data. The platform includes a self-serve Security & Privacy Center, comprehensive and immutable audit logs for tracking all system changes and user actions, and sandbox environments for testing integrations and workflows before deploying them in a live environment. These features are critical for procurement teams and for maintaining compliance with regulations such as the Sarbanes-Oxley (SOX) Act. ## Limitations and Requirements There are several considerations and limitations for companies evaluating these services. Eligibility for the Enterprise tier and its associated benefits, including a dedicated account manager and higher credit limits, is subject to Brex's underwriting criteria. The specific credit limit granted is not guaranteed and will vary based on the company's unique financial profile and ongoing performance. To maintain stable and predictable credit limits, companies must provide continuous financial visibility by linking their bank accounts or submitting regular financial statements. The Enterprise tier is a custom-priced solution, meaning its cost structure will differ from the publicly listed 'Essentials' ($0) and 'Premium' ($12/user/month) plans. ## Summary In conclusion, Brex offers a specialized suite of services for Series B companies through its Enterprise tier, which includes dedicated account management, significantly higher credit limits without a personal guarantee, and advanced integrations. These features are designed to support the financial operations of rapidly scaling businesses. However, access to these services and the specific terms of the credit facilities are dependent on a company's individual financial circumstances and Brex's comprehensive underwriting evaluation.