# Brex

> Brex is a U.S. financial technology company offering corporate cards and business banking for startups and enterprises.

Source: https://www.neobank.wiki/wiki/brex
Last updated: 2026-08-11
Categories: Financial technology, United States fintech, United States neobanks, Business neobanks, Partner-bank neobanks, Corporate spend platforms, Companies founded in 2017

**Brex** is an American financial technology company that provides corporate cards, cash accounts and spend management for startups and larger companies. It is a primary business-banking peer to [Mercury](/wiki/mercury) and [Ramp](/wiki/ramp).[^bx1]

## History

Brex launched targeting startups that struggled to get corporate cards, underwriting on venture funding and cash rather than personal guarantees. It later expanded into business accounts and spend software, pivoting segments as markets evolved.[^bx2]

## Founders

**Henrique Dubugras** and **Pedro Franceschi** co-founded Brex. Brazilian entrepreneurs who previously built a payments company as teenagers, they scaled Brex into a defining U.S. startup finance brand.

## Model

Brex is a fintech using partner banks and card networks rather than a full consumer bank charter—business [neobank](/wiki/neobank) / spend-platform economics via [banking as a service](/wiki/banking-as-a-service).

## Products

Products include corporate cards, business cash accounts, expense management, bill pay and rewards tailored to startups and enterprises.

## Infobox

- **Type**: Private
- **Founded**: 2017
- **Founders**: Henrique Dubugras, Pedro Franceschi
- **Headquarters**: United States
- **Focus**: Business cards / banking

## Frequently asked questions

### What is Brex?

Brex is a U.S.

### When was Brex founded?

Brex was founded in 2017.

### Where is Brex headquartered?

Brex is headquartered in United States.

### Who founded Brex?

Brex was founded by Henrique Dubugras, Pedro Franceschi.

### What type of company is Brex?

Brex is described as Private in its neobank.wiki profile.


## References

[^bx1]: Brex provides corporate cards and business banking products for companies. — https://www.brex.com/
[^bx2]: Brex began by underwriting startup corporate cards on venture-backed metrics. — https://www.brex.com/