Banking that helps brands
make smarter decisions
Automate your cash flow with real-time insights, refreshingly transparent credit, and up to 4.54% APY deposit accounts1
Highbeam is a financial technology company, not a bank.
Banking services provided by Thread Bank, Member FDIC.
Trusted by hundreds of brands
Designed to make you profitable,
not profit off you
Up to 4.54% annual percentage yield with $3M FDIC insurance2
Maximize your returns with competitive yields on checking and savings, automatically optimized with $3M FDIC insurance on deposits through Thread Bank, member FDIC, for total peace of mind.
Capital that adapts to you
Whether it’s a revolving line of credit, a cash advance, or a custom solution, we provide flexible terms and transparent rates tailored to your brand’s needs.
Cash back or extended terms–your choice
Choose between cash back up to 1.5% or extended repayment options.4 Simplify spend management and keep your focus on growth.
Streamline your payments
Integrated Bill Pay lowers costs, boosts security, and automates manual tasks, so you can pay vendors quickly and confidently.
Automate for profitability
Automate cash planning, forecasting, and yield management, allowing you to focus on decisions that drive profitability.
Lauren Goldberg
CEO, Suzie Kondi
Mickey Ashmore
Founder and CEO, Sabah
Suzanne Lehrer Dumaine
Founder and CEO, Stocked by Three Owls
Ricky Joshi
Co-founder and CSO, Saatva
Sib Mahapatra
Co-founder, Branch Furniture
David Whitcroft
Head of Consumer and CFO, Full Stack Finance
Maurice Mosseri
Co-founder, Still Here
Jimmy Lin
Founder and President, Heat Press Nation
Katie Caplener
Founder and Designer, Vada Jewelry
Adrian Alfieri
Founder, Verbatim Labs
María Romero
Founder, Tintorería
Doreen Deymen
Controller, Tushy
Nik Sharma
CEO, Sharma Brands
Mickey Ashmore
Founder and CEO, Sabah
Alex Crane
CEO, Alex Crane
Adam Humphreys
Partner, Labucq
The community built for founders
We understand the challenges of starting and growing a brand. With Highbeam, you're not alone—join a community of founders and finance leaders and grow together.
Built for growing omni-channel brands
We check all the boxes
All-in-one place
Don’t use 7-10 different finance tools. Highbeam puts everything you need into one intuitive platform.
$3M FDIC insurance2
Deposits are FDIC-insured up to $3M through our partner bank, Thread Bank, member FDIC.
Highbeam community
When you are a Highbeam customer, you tap into our network of high-growth brands and preferred vendors.
Always secure
We never use your data without your permission and have enterprise grade security to keep your information safe and secure.
The path to profitability starts now
Try our value calculator and get an estimate of the value Highbeam can bring your business.
FAQs
Highbeam is a finance platform for ecommerce businesses. Highbeam accounts feature:
- Checking account
- High interest savings account
- Virtual and physical cards with up to 2% cash back on ad spend and 1% on everything else4
- ACH payments, domestic and international wire transfers
- Revolving line of credit
- Real time spend management and insights
- Ecommerce platform integrations and dashboard
- Other tools and features to help you run your ecommerce business
Highbeam is open to ecommerce and omni-channel brands. To be eligible, you must be a U.S. company with the following:
- Personal identification documents from the business owner
- The business’s Employer Identification Number
- Business name, industry, address, email, and telephone number
- Registration certificates, business licenses, and/or articles of incorporation
Yes, your deposits qualify for up to a maximum of $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program here and a list of program banks here. You can learn more about FDIC insurance on the FDIC website.
We believe in transparent, accessible financial services. Because of that, there are no hidden fees or costs. That is, no minimum account balance needed, no ACH, domestic wire or overdraft fees, and no monthly or annual fees. Advanced features such as Highbeam Capital charges a flat interest rate on loans, clearly called out as APR. International transfers sent in USD have a flat fee of $20 to cover SWIFT charges and non-USD transfers are free after currency exchange. International transactions made via Highbeam cards incur a 1% fee that’s charged by Visa.
The amount varies depending on many factors, but can roughly be estimated to start at 15-day ecommerce payout revenue growing upwards of 1-month.