Comparison · Light vs Brex
Light vs Brex
Brex is a strong corporate card and spend platform, but it sits on top of your accounting system rather than being one. Its US product requires a US-incorporated entity, and its European operation is new: Brex obtained an EU payment institution licence in August 2025. Light is the agentic ERP that IS your system of record: spend, AP/AR, and multi-entity accounting in one platform, for finance teams anywhere. Switching does not mean reissuing cards: keep your Brex cards and bring their transactions into Light.
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Light and Brex, compared
| Feature | Light | Brex |
|---|---|---|
| General ledger and accounting system of recordBrex: syncs into your accounting system (QuickBooks, NetSuite, Xero, Intacct) | Yes | No |
| Multi-entity accounting and consolidationBrex: entity tagging; consolidation runs in your connected ERP | Yes | No |
| Financial statements (P&L, balance sheet)Brex: produced from your connected accounting system, not Brex | Yes | No |
| Corporate and virtual cards + spend managementBrex: Brex's core strength | Yes | Yes |
| Accounts payable / bill pay | Yes | Yes |
| Accounts receivable / invoicingBrex: basic invoicing | Yes | No |
| Available to companies without a US entityBrex: the US product requires US incorporation, a US EIN and US operations; Brex obtained an EU payment institution licence in August 2025 and is rolling out to European businesses | Yes | No |
4 week implementation
KPMG global partnership
Remove 4+ tools
700+ apps
The world's most demanding finance teams run on Light.
Replace the accounting system too
Brex handles cards and spend, then connects to your accounting software. Light includes the ledger, receivables and consolidation alongside spend.
- 01
Follow the full transaction
Keep the card purchase, receipt, coding and posting in one system. Light’s agents work inside your controls, with every action logged.
- 02
Run the international group
Light consolidates entities and currencies continuously, with vendor payments on local rails in 80+ countries.
When to choose Light
- 01
The ledger is included
Light is the system of record: spend, AP, AR and the general ledger in one platform, so there is no separate ERP to choose.
- 02
The close happens in one place
The card transaction, the receipt and the ledger entry sit in one system, so there is nothing to match across systems.
- 03
Group accounts, not a dashboard
Consolidated financial statements come from the ledger itself, across every entity and currency.
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fastest growing companies
See how finance teams run lean and global on Light.
Read customer stories-
“We evaluated several vendors. Light won because it covers our full finance stack, revenue, AR, AP, expenses, and consolidation, without stitching together a patchwork of point solutions.”
Tanja, Director of FinanceOmnea -
“Even though we’re three entities, it’s like I’m running a finance department for one entity.”
Thobias, Finance ManagerAlva Labs -
“I really like that Light’s AI already gives me suggestions, GL accounts, cost centers, tax codes. I don’t have to start from scratch.”
Cédric, Finance ManagerOper Credits -
“Nine times out of ten the AI matches everything and posts it to the right account. One click and you’re done.”
Jeppe, CFOKeyShot
Built for the daily work
Bills through to payment
Capture invoices, route approvals and pay vendors from the same system.
Room to grow
One ledger built to handle billions of transactions across your business.
Trace every number
Open a report and drill straight into the transactions behind it.
Spending, under control
Expenses, vendors and cards connected to your ledger.
Expenses
Collect receipts, approve expenses and track spend as it happens.
Vendors
Keep supplier details, bills and approvals together. Apply your purchasing rules as work moves through.
Cards
Issue cards for employees and vendors. Pay with Apple Pay or Google Pay. Send receipts through Slack, Teams or email.
Frequently asked questions
Can Light replace Brex and our ERP?
Light includes cards, expenses, bill pay, the ledger, AP, AR and reporting.
Do we have to replace our Brex cards?
No. Add your Brex cards to Light as an external card account and bring the transactions in by CSV upload or a continuous push through the Light API. From there the transactions are handled like Light card spend: cardholders are asked for receipts, AI matches and codes each transaction, and it posts to the ledger. Your cards and your plan stay with Brex. If you later move to Light cards, the card transaction and the ledger entry become one record.
Does Light support virtual cards?
Yes, alongside corporate cards with Apple Pay and Google Pay.
When does Brex fit?
When you want a card and spend platform connected to an accounting system you plan to keep.
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