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Flex

Bank

AI-native banking for owners — supports global founders with US operations.

Official site

(ApplyRight field notes are being written)

Eligibility at a glance

Requires SSN
No
Overseas operating address
No
Intl wire (out)
—
Virtual cards
TBD
Account manager
None

Best for

  • Non-US founders with real US operations
  • SaaS / tech startups wanting a Net-60 card

Where it falls short

  • Requires US operations (operating address can't be overseas)
  • Data not yet officially verified — confirm on flex.one

Restricted countries

CubaIranNorth KoreaSyriaRussiaBelarusMyanmarVenezuela

Restricted industries

CannabisAdult contentGamblingFirearmsMoney services (MSB)Crypto exchangeShell companies

Documents to prepare

  • A US-registered company (LLC / Corp — no sole props) + EIN
  • An ITIN or the owner's passport
  • A real US operating address (no virtual address / PO Box / registered agent)
  • A US phone number
  • Proof of real or planned US operations
  • A business description
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