Brex vs FacturaDirecta (2026): Pricing, Features & Verdict
Brex is our pick, scoring 7.5/10 against 6.3/10 for FacturaDirecta on our Finance Software criteria. Its biggest advantage: higher Scalability score (8/10 vs 4/10). Both Brex and FacturaDirecta have a free plan.
Last updated: November 2026
Brex
7.5/10
Brex is a corporate card, expense management, bill pay and business banking platform for startups, mid-sized companies and global enterprises, and is now owned by Capital One.
FacturaDirecta
6.3/10
Spanish cloud invoicing and simple accounting software for freelancers and small businesses, with VeriFactu, Facturae, TicketBAI and AEAT tax forms built in.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 7.5/10 | 6.3/10 |
| Scalability | 8/10 | 4/10 |
| Analytics | 6/10 | 5/10 |
| Compliance | 7/10 | 8/10 |
| Integration | 8/10 | 6/10 |
| Security | 8/10 | 6/10 |
| Support | 6/10 | 4/10 |
| Cost | 8/10 | 8/10 |
| Customization | 7/10 | 5/10 |
| Ease of Use | 8/10 | 7/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | $12/user/mo Premium | €15/mo Bronce |
| Estimated cost for 10 users | Free Essentials | Free Gratis |
| Features | ||
| General Ledger | ||
| Accountant Access | ||
| Accounts Payable | ||
| Audit Trail | ||
| Expense Management | ||
| Multi-currency | ||
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| Invoicing | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Online Payments | Not listed | |
| Tax Compliance | Not listed | |
Brex vs FacturaDirecta cost by team size
| Team size | Brex | FacturaDirecta |
|---|---|---|
| 1 user | FreeEssentials | FreeGratis |
| 5 users | FreeEssentials | FreeGratis |
| 10 users | FreeEssentials | FreeGratis |
| 25 users | FreeEssentials | FreeGratis |
| 50 users | FreeEssentials | FreeGratis |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Who Brex and FacturaDirecta suit
Brex fits enterprise better; FacturaDirecta fits small business better.
| Audience | Brex | FacturaDirecta |
|---|---|---|
| Enterprise | 7/10Enterprise offers unlimited global entities, local card issuance and a named account manager, and Brex has focused on enterprise customers since 2022. | 2/10It is limited to Spanish tax rules, has no consolidation or phone support, and is built by a very small team. |
| Small Business | 4/10Brex exited the small-business market in 2022, and reviewers report account closures for businesses below revenue thresholds. | 8/10Paid tiers add unlimited clients, bank reconciliation, SEPA remittances, team roles and optional accounting and inventory for Spanish SMEs. |
| Accountants and Bookkeepers | Not rated | 6/10Gestores get free access through an Asesor role, and journal entries export to A3 and ContaPlus, but the vendor does not position it as a practice-management tool. |
| E-commerce | Not rated | 6/10Its own Shopify app and a Zapier-based WooCommerce flow create invoices from orders, though the Shopify listing has very little review feedback. |
| Finance Teams | 8/10AI expense coding, ERP validation rules and journal export features are built to cut month-end close work. | Not rated |
| Freelancers | Not rated | 9/10The free plan covers 100 VeriFactu-compliant invoices a year, and AEAT forms like 130 and 303 are generated automatically for Spanish autónomos. |
| Mid-Market | 8/10Premium adds multi-entity support, custom ERP and HRIS integrations, advanced approvals and live budgets for mid-sized companies. | Not rated |
| SaaS Companies | 8/10Card rewards multipliers on software and ads spend, plus the startup-focused underwriting, fit tech companies. | Not rated |
| Startups | 9/10The free Essentials tier and card underwriting based on cash balance, with no personal guarantee, are aimed at venture-backed startups. | Not rated |
Which One Should You Choose?
Why choose Brex
- Higher Scalability score (8/10 vs 4/10)
- Higher Integration score (8/10 vs 6/10)
- Better fit for enterprise (7/10 vs 2/10)
Why choose FacturaDirecta
- Higher Compliance score (8/10 vs 7/10)
- Better fit for small business (8/10 vs 4/10)
- Includes General Ledger, which Brex lacks
Pros & Cons
Brex
Pros
- The Essentials tier is free and includes cards, bill pay, reimbursements, travel booking, API access and accounting integrations.
- Card limits are underwritten on cash balance and revenue rather than a founder's personal guarantee, which helps startups without a credit history.
- Direct ERP syncs cover NetSuite, QuickBooks Online, Xero, Sage Intacct, Business Central and newer AI-native ERPs such as Rillet and Campfire, and a two-way Accounting API launched in January 2026.
- Brex holds SOC 1 Type II and SOC 2 Type II attestations, is PCI-DSS compliant and supports SAML or OIDC single sign-on.
- Brex releases updates often. The September 2026 release alone added more than 30 features, including passkeys, p-card policy rules and access to Brex data from ChatGPT, Claude and Slack.
- Pricing is published at 12 USD per user per month for Premium, and G2 reviewers rate the product highly, at about 4.8 out of 5.
Cons
- Brex has a history of abrupt account closures and eligibility changes, and it left the small-business market in 2022.
- Credit limits move with the company's cash balance, which some reviewers find unpredictable.
- Card purchases that need currency conversion carry an FX markup of up to 3 percent, built into the exchange rate.
- It is not a general ledger. Bookkeeping and financial statements still need a separate ERP or accounting system.
- Some support and setup experiences are poor, including a clunky HRIS integration setup reported on Gartner Peer Insights.
- The Capital One acquisition could slow feature shipping during integration, according to industry commentary.
FacturaDirecta
Pros
- The free plan is permanent and includes VeriFactu, Facturae and AEAT tax form calculation for up to 100 invoices a year, with no card required.
- Every plan includes unlimited users and free accountant access through an Asesor role, so teams and gestores are not charged per seat.
- Spanish e-invoicing coverage is broad: VeriFactu, Facturae with FACe submission, and TicketBAI and Batuz for the Basque Country.
- Every plan, including the free one, gets a REST API, webhooks, an MCP server for AI assistants and a CLI, and one 2026 reviewer praised the API documentation.
- There is no lock-in. You can cancel at any time, and the 30-day paid trial needs no card and does not auto-charge.
Cons
- Support is limited to email, chat and an AI agent. There is no phone line, and Trustpilot reviewers from 2025 and 2026 describe chat as slow.
- Full double-entry accounting costs extra on Bronce and Plata and is included only from the 60-euros-a-month Oro tier.
- Payroll is only for recording and scanning payslips. The vendor does not describe gross-to-net salary calculation.
- Hard invoice caps apply on each plan, and a 2026 reviewer complained that the free-plan limit was introduced without clear warning.
- An independent comparison calls the interface dated and the financial reports and mobile app basic compared with Holded or Quipu.
Not sold on either?
Frequently Asked Questions
Brex scores higher on our Finance Software criteria: 7.5/10 against 6.3/10 for FacturaDirecta. The largest gap is in Scalability: 8/10 for Brex and 4/10 for FacturaDirecta.
Yes, both Brex and FacturaDirecta have a free plan.
Brex is the better fit for enterprise: we rate it 7/10 for them, against 2/10 for FacturaDirecta.
FacturaDirecta has General Ledger, which Brex lacks.
