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Want to see how Flexible Funding can work for you?
Why WEX Flexible Funding
Scale your financial power to act fast on business opportunities, maximize rebates, and operate during peak seasons with WEX Flexible Funding. This is not “just another workaround”; it is a flexible, long-term tool.
Add funds anytime
No limits. Access to your funds within minutes*.
Real-time visibility
Monitor transactions and alerts on status updates of funds on one single platform.
Increase rebates with WEX virtual cards
How it works
1. Deposit cash as secured collateral into a WEX account.
2. Add unlimited funds with immediate access (within minutes after WEX receives the funds).
3. Spend, settle your balance, or save your available fund for future use.
Flexible Funding Features
Increase your financial power instantly by turning funds into a flexible credit line, while keeping complete control and gaining the full benefits of WEX’s industry-leading card products.
One platform, one account**
Fewer steps, consolidated visibility, no need to open multiple accounts, logins, or move funds between systems.
On-Demand Credit Access
Increase your available credit anytime by depositing cash as collateral.
Full Card Benefits, Always
Utilize the most robust card products in the market and maintain access to associated benefits like potential rebates.
Flexible Fund Usage
Apply the remaining Flexible Funding account balance to payments, return the money upon request, or keep it for future usage.
Real-Time Monitoring & Alerts
Monitor your credit status in real time with automated fund processing and receive instant alerts via email (text alerts coming soon).
Why WEX
A leader in payments
Unlike newer fintechs, we don’t experiment with your capital; we power mission-critical payments for thousands of businesses, delivering stability, compliance, and reliable support. We bring experience and partnership you can count on.
Custom solutions built around your business
WEX Flexible Funding adapts to your needs, whether you’re a startup, dealing with cyclical demands, or managing extended payment cycles. We meet you where you are, not where your current credit line says you should be.
Full control and visibility, without sacrificing benefits
Get full transparency and control over your funds while still accessing the benefits of our market-leading card products — all managed through one easy platform. We give you control, clarity, and confidence every step of the way.
Frequently Asked Questions
We already have a line of credit. Why do we need this?
You’re not replacing your credit, you’re expanding it.
Flexible Funding gives you additional capacity by letting you contribute your own capital and receive an equal credit line without giving up any benefits associated with WEX card products.
We’re not sure we need it right now.
That’s exactly when you need it. The businesses that thrive through volatility are the ones that build flexibility before it’s urgent. Don’t wait until capital gets tight, activate it now and use it when you need it.
How complicated is the product to manage?
Flexible Funding is designed to simplify the workflow and provide vital information, such as reports and real-time email alerts, so you have full visibility of your funds at any given time. Also, our implementation team will support you step by step during the onboarding process.
Can I access my Flexible Funding account balance?
Your Flexible Funding balance is available to support payments and can be used at your discretion. You can apply it toward upcoming charges, keep it in the account for future use, or request it be returned.