# Brex Inc.

Brex Inc. is a Financial Services based in San Francisco, New York, United States.

## Overview

- **Organization type:** Financial Services
- **Headquarters:** San Francisco, New York, United States
- **Region:** North America
- **Address:** Salt Lake City, UT, United States
- **Founded:** 2017
- **Assets under management:** Undisclosed
- **Website:** brex.com
- **LinkedIn:** https://www.linkedin.com/company/brex

## About

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.

## Sectors

- FinTech
- Enterprise Software
- Private Credit

## Offices

- Beijing, China

## People

- Henrique Dubugras — Co-Founder and CEO
- Pedro Franceschi — Co-Founder and CTO

## 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.

### 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.

### 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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- [Ripple Industries](https://altss.com/profile/ripple-industries)
- [Tenor Capital Management](https://altss.com/profile/tenor-capital-management)

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Last updated: 2026-07-11T16:17:26.000Z

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