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Brex
BankBanking + corporate cards for funded, scaling startups — not for bootstrappers.
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Only for funded or sizeable companies. Hard bar: a US physical operating address (no registered agent, virtual address, or PO Box), a $50k minimum balance once funded, and no sole proprietors. Upside: accepts foreign owners, no personal credit check. Bootstrap solo founders basically can't get in — go Mercury or Relay instead.
Eligibility at a glance
- Requires SSN
- No
- Overseas operating address
- No
- Intl wire (out)
- —
- Virtual cards
- TBD
- Account manager
- None
Best for
- Venture-backed or funded startups with a real US presence
- Companies that can hold a $50k balance (required once funded)
- Teams wanting corporate cards, rewards, and spend controls
Where it falls short
- Needs a US physical operating address — registered-agent, virtual, and PO Box are all rejected
- Funded startups must hold a $50k minimum balance
- Not for sole proprietors
- Built for funded / scaling companies — bootstrap founders are steered away
Restricted countries
CubaIranNorth KoreaSyriaRussiaBelarusCrimea
Restricted industries
CannabisAdult contentGamblingFirearmsMoney services (MSB)Crypto exchangeShell companies
Documents to prepare
- A US-registered company + US operations + a US physical address
- An EIN
- Government-issued ID (passport / driver's license) for KYC
- An international residential address + proof of address (utility bill, bank statement, etc.)
- A US billing address (to secure the card limit)