As a credit card company, Brex grew its clientele by serving fellow startups. Now, it will be going up against heavyweights like SAP Concur and American Express and courting organizations with thousands of employees. When Brex cofounder and co-CEO Pedro Franceschi gathered his team for an all-hands meeting in July, the fintech company was at a crossroads. Since its founding in 2017, Brex, which offers corporate credit cards, had grown to serve tens of thousands of customers and raised $1.5 billion in venture financing and debt.