因而，Henrique Dubugras和Pedro Franceschi希望能够通过自己的努力改善这一状况。去年，二人联手创建一家名为Brex的公司，一改以往评估信用历史记录的做法，专门根据初创企业的账户资金状况，来帮助他们拿到企业信用卡。所谓资金状况，当然也包括所拿到的风险资本。今年六月，Brex结束隐身发展状态正式上线，目前的客户数量已经达到1000位。
作为一家信贷服务提供商，Brex会综合考察某家初创企业的投资者状况、收支状况、股权状况以及开销模式等因素，希望能够为用户提供高质便捷的信贷服务。截至目前，它已经顺利完成了5700万美元的融资，投资方包括知名创业孵化器Y Combinator、PayPal联合创始人Peter Thiel和Max Levchin，以及Facebook早期投资者Yuri Milner。
A fledgling fintech startup is today lifting the lid on a new credit card product specifically for startups, along with the announcement of $57 million in funding from some major figures in the technology and financial worlds.
Founded out of San Francisco in 2017, Brex is a Y Combinator alum that’s setting out to reimagine the corporate credit card. The company essentially underwrites businesses, and when deciding on credit limits it sidesteps credit history to consider factors such as who has invested in the startup and the equity they hold, cash balance, and spending patterns. The first five cards issued to a startup are free; after that it costs $5 per user per month for any additional cards.
The story so far
Brex was founded by Henrique Dubugras and Pedro Franceschi, known as the teenage creators behind Brazilian payments processor Pagar.me, which they sold for an undisclosed amount in 2016. Now in their early twenties, the duo have set their sights on providing quick and flexible credit facilities to startups, based not on their short-term profits, but on a far broader set of criteria.
“Startups that have raised millions and are poised for hyper-growth can’t get slowed down hassling with banks requiring personal guarantees and offering meager credit limits,” said Brex CEO Dubugras. “Traditional credit models look at how much a company can pay back in a year based on profits, often disqualifying startups. We rebuilt the financial services tech stack from the ground up and created a new kind of card to specifically meets the needs of startups.”
During its private launch, Brex said that it accumulated some 1,000 customers, including Flexport, Algolia, Affirm, and Y Combinator itself. From today, the product is open to startups across the U.S., with the promise of a simple two-minute application process.