Brex vs Rillet (2026): Pricing, Features & Verdict
Brex is our pick, scoring 7.5/10 against 7.1/10 for Rillet on our Finance Software criteria. Its biggest advantage: higher Cost score (8/10 vs 4/10). Only Brex has 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.
Rillet
7.1/10
AI-native ERP and general ledger for SaaS and subscription companies that automates the month-end close, revenue recognition, and multi-entity consolidation.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 7.5/10 | 7.1/10 |
| Scalability | 8/10 | 7/10 |
| Analytics | 6/10 | 8/10 |
| Compliance | 7/10 | 8/10 |
| Integration | 8/10 | 7/10 |
| Security | 8/10 | 8/10 |
| Support | 6/10 | 9/10 |
| Cost | 8/10 | 4/10 |
| Customization | 7/10 | 6/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | $12/user/mo Premium | Contact for pricing |
| Estimated cost for 10 users | Free Essentials | Contact for pricing |
| Features | ||
| General Ledger | ||
| Accountant Access | ||
| Accounts Payable | ||
| Audit Trail | ||
| Multi-currency | ||
| Multi-entity Consolidation | ||
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| Inventory Accounting | Not listed | |
| Invoicing | Not listed | |
Brex vs Rillet cost by team size
| Team size | Brex | Rillet |
|---|---|---|
| 1 user | FreeEssentials | Contact for pricing |
| 5 users | FreeEssentials | Contact for pricing |
| 10 users | FreeEssentials | Contact for pricing |
| 25 users | FreeEssentials | Contact for pricing |
| 50 users | FreeEssentials | Contact for pricing |
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 Rillet suit
Rillet fits saas companies better than Brex.
| Audience | Brex | Rillet |
|---|---|---|
| SaaS Companies | 8/10Card rewards multipliers on software and ads spend, plus the startup-focused underwriting, fit tech companies. | 10/10It is built around SaaS revenue recognition, usage billing, and ARR and MRR metrics. |
| Finance Teams | 8/10AI expense coding, ERP validation rules and journal export features are built to cut month-end close work. | 9/10It automates the close, reconciliations, and accruals for in-house accountants and controllers. |
| Startups | 9/10The free Essentials tier and card underwriting based on cash balance, with no personal guarantee, are aimed at venture-backed startups. | 8/10It targets venture-backed, fast-scaling startups. Windsurf, for example, runs finance with a two-person team. |
| Mid-Market | 8/10Premium adds multi-entity support, custom ERP and HRIS integrations, advanced approvals and live budgets for mid-sized companies. | 8/10Analysts position it for mid-market companies moving off NetSuite or Sage Intacct. |
| Accountants and Bookkeepers | Not rated | 6/10Top accounting firms such as Armanino and Wiss partner with Rillet, and it has an Accountant role. |
| E-commerce | Not rated | 2/10It has no inventory or order management. |
| Enterprise | 7/10Enterprise offers unlimited global entities, local card issuance and a named account manager, and Brex has focused on enterprise customers since 2022. | Not rated |
| Manufacturing | Not rated | 1/10It has no inventory or manufacturing modules. |
| Small Business | 4/10Brex exited the small-business market in 2022, and reviewers report account closures for businesses below revenue thresholds. | Not rated |
Which One Should You Choose?
Why choose Brex
- Has a free plan (Rillet does not)
- Higher Cost score (8/10 vs 4/10)
- Higher Scalability score (8/10 vs 7/10)
Why choose Rillet
- Higher Support score (9/10 vs 6/10)
- Higher Analytics score (8/10 vs 6/10)
- Better fit for saas companies (10/10 vs 8/10)
- 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.
Rillet
Pros
- G2 reviewers rate it about 4.9 out of 5 and most often praise the time it saves on close and reconciliation work.
- Native ASC 606 revenue recognition and usage-based billing remove the need for separate billing or revenue tools for SaaS companies.
- Its pricing page quotes 4 to 6 weeks to implement, compared with many months for NetSuite or Sage Intacct.
- Built-in SaaS metrics include ARR and MRR waterfalls, NRR, burn, and runway.
- Holds SOC 1 and SOC 2 Type II reports, and supports period locks and tiered approval workflows.
Cons
- No public subscription pricing, and implementation costs 10,000 to 30,000 USD.
- Covers financials only, with no inventory, manufacturing, purchase orders, or three-way matching.
- Young product, launched in 2024, with a small partner ecosystem and a short track record with heavily regulated filers.
- A few G2 reviewers cite a learning curve and reliance on third-party integrations such as Rippling.
Not sold on either?
Frequently Asked Questions
Brex scores higher on our Finance Software criteria: 7.5/10 against 7.1/10 for Rillet. The largest gap is in Cost: 8/10 for Brex and 4/10 for Rillet.
Brex has a free plan; Rillet does not list one.
Rillet is the better fit for saas companies: we rate it 10/10 for them, against 8/10 for Brex.
Rillet has General Ledger, which Brex lacks.
