Hey! So the way we do it is that when you signup for Brex you link your bank account. We use that data + investor data to try to predict the ability to pay instead of looking at financial history. The caveat there is that your limit can go either up or down with time, depending on your cash burn, fundraising and other factors. That's why we're only working with startups, because they're very predictable in terms of cash spend. They raise rounds, spend money, raise another round or die.