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Brex Inc.
Brex operates a financial software platform that supplies cards, banking, expenses, accounting and additional services to companies in over 120 countries.
Brex Inc.
Brex operates a financial software platform that supplies cards, banking, expenses, accounting and additional services to companies in over 120 countries. The platform integrates financial services with software and reaches more than 35,000 companies.
General information
Firm type
Financial Services
Year founded
2017
Location
Region
North America
Country
United States
City
San Francisco, New York
Corporate office
Salt Lake City, UT, United States
Additional offices
Beijing, China
Principals
Henrique Dubugras
Co-Founder and CEO
Pedro Franceschi
Co-Founder and CTO
Sector focus
Frequently asked questions
Who runs investment decisions at Brex?
Brex's investment and lending decisions are managed by its underwriting and risk team, led by co-founders Henrique Dubugras (CEO) and Pedro Franceschi (CTO). The company uses algorithmic models to approve credit lines. No single investment committee is disclosed; decisions are based on data from the platform.
How does Brex source proprietary deal flow?
Brex does not function as an investment firm sourcing deals. It originates loan and credit opportunities directly through its platform, which serves venture-backed startups and SMBs. Its underwriting is based on data from bank accounts and software integrations.
Is Brex structured as a single family office or does it operate more like a venture firm?
Brex is a fintech company, not a family office or venture firm. It is structured as a private corporation with equity investors. It does not manage external capital for LPs beyond its own balance sheet and debt facilities.
Does Brex participate in fund commitments or only direct deals?
Brex does not commit capital to external funds. Its credit and lending activities are direct, on-balance-sheet operations funded by its own equity and borrowed debt.
What investment stages does Brex typically target?
Brex does not make equity investments. Its credit products target early-stage to growth-stage companies, typically with annual revenues between $500,000 and $50 million. Underwriting focuses on cash flow rather than stage.
Which sectors does Brex explicitly avoid?
Brex has historically avoided lending to certain industries with high charge-off rates or regulatory risk, such as cannabis, firearms, and adult entertainment, per its published merchant policy.
How is Brex related to other fintech or banking entities?
Brex is an independent fintech company. It issues credit cards through partnership with Celtic Bank, a Utah-chartered industrial bank. It is not a bank itself and holds no depository charter.
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