Brex has disrupted the conventional credit model. By rebuilding the technology from scratch, they’ve reimagined underwriting so it doesn’t require personal guar

Brex has disrupted the conventional credit model. By rebuilding the technology from scratch, they’ve reimagined underwriting so it doesn’t require personal guarantees. Brex assesses companies based on factors that matter – like cash in the bank and activity in the business No. You haven't disrupted anything. You are doing what almost every single bank does when they issue a business line of credit. Cash in bank and business activity. All you guys did was go after a market that has ZERO idea about how to talk to a bank and then secured a large number of customers within that market. And as another commentator said, once a startup grows, they will secure the best terms they can find. Good luck.