Why businesses choose Credit Expense
- Spend before you fund. Your Cardholders spend against the credit line, so cash stays in your bank account until the end of the statement period.
- Earn a rebate on qualifying purchases. Credit Expense accounts earn a percentage back on eligible card spend. See rebate details.
- No personal guarantee. PEX underwrites the business, primarily on your linked bank balances — there’s no consumer credit check on you or your Cardholders.
- The same controls as prepaid. Issue physical and virtual cards, and cap spend by Cardholder, card, merchant category or merchant.
- Repay early to free up credit. Initiate a repayment in the Dashboard and the amount is added back to your available credit once it settles. See repayment for Credit Expense programs.
Ready to apply?
See the eligibility requirements and the application paths for new and existing customers
Compare the programs
Where to go next
- Credit line and spend limits — how PEX sets your credit line and how you cap what each Cardholder can spend.
- Repayment for Credit Expense programs — how the end-of-period debit works and how to repay early.
Note:The PEX Visa® Prepaid Card, PEX Disburse Visa® Prepaid Card, and PEX Visa® Commercial Card are not credit cards.