Banking that helps brands
make smarter decisions

Automate your cash flow with real-time insights, refreshingly transparent credit, and up to 4.04% APY deposit accounts¹

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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

One trusted partner

Unify your banking, capital, and bill pay on one platform—saving time, cutting costs, and streamlining operations.

Make smarter moves

Power your working capital decisions with Highbeam Brand Intelligence to help you work smarter and grow profitably.

Leverage our expertise

Access our dedicated account management team for best-in-class service and connect with an exclusive network of top-tier financial partners.

Up to 4.04% 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.

Learn more about banking

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.

Discover Highbeam Capital

Cash back or extended terms–your choice

Choose between cash back up to 2% or extended repayment options.⁴ Simplify spend management and keep your focus on growth.

Check out the Highbeam Card

Streamline your payments

Integrated Bill Pay lowers costs, boosts security, and automates manual tasks, so you can pay vendors quickly and confidently.

Simplify Bill Pay with Highbeam

Automate for profitability

Automate cash planning, forecasting, and yield management, allowing you to focus on decisions that drive profitability.

See Highbeam Intelligence in action

Before Highbeam, the cash flow drove the strategy instead of the business. Highbeam put us back in control.

Lauren Goldberg

CEO, Suzie Kondi

Highbeam stands next to me, providing a safety net and a transparent line of credit. Unlike a debt provider, I know we can build together for the long run.

Mickey Ashmore

Founder and CEO, Sabah

I strongly believe founder finances are just too complicated. Highbeam solves a genuine need by providing the financial organization that enables me to control my own business.

Suzanne Lehrer Dumaine

Founder and CEO, Stocked by Three Owls

Growth is hard. Sustainable, profitable growth is much harder — and it's here that Highbeam can be a game changer for brand founders.

Ricky Joshi

Co-founder and CSO, Saatva

Waiting a month for accounting close to manage spend just wasn't good enough. Highbeam lets us see where our money is going in real-time which is invaluable.

Sib Mahapatra

Co-founder, Branch Furniture

Before modern entrants like Highbeam, you were stuck with traditional banks that don’t understand your business or institutional startup banks that may not deliver on what you need. For emerging brands, Highbeam makes a lot of sense.

David Whitcroft

Head of Consumer and CFO, Full Stack Finance

Highbeam allows me to manage my business cash flow in real-time. These insights help me save what matters most—time and money.

Maurice Mosseri

Co-founder, Still Here

My old bank had a user experience from a decade ago and I had to wait on hold for an hour to talk to anyone. Highbeam understands my business, and someone is always available. Switching was a no-brainer.

Jimmy Lin

Founder and President, Heat Press Nation

Highbeam has been a great asset to VADA's growth. Samir and his team have been extremely helpful with financial planning and funding. We love how easy it is to do business internationally using Highbeam.

Katie Caplener

Founder and Designer, Vada Jewelry

Highbeam’s high interest savings account puts my extra cash to work while still giving me instant access to it. It’s a win-win.

Adrian Alfieri

Founder, Verbatim Labs

Highbeam is not only a best-in-class banking platform for ecommerce brands but it also drastically improved how we manage and plan our finances.

María Romero

Founder, Tintorería

Highbeam's cash flow tools have added efficiencies to my weekly cash management process saving both time and money.

Doreen Deymen

Controller, Tushy

Highbeam helps you predict and forecast when and where you might need capital next, then it helps you access it, all within the same platform, with much lower rates.

Nik Sharma

CEO, Sharma Brands

It’s a massive relief to know that there’s someone that has my back financially. With Highbeam in my corner, I can focus on building Sabah in a thoughtful way.

Mickey Ashmore

Founder and CEO, Sabah

Highbeam saves us thousands every month. Managing our finances is so much easier now, and the personal service is just top-notch.

Alex Crane

CEO, Alex Crane

I love Highbeam for it's ease of use—they're not a legacy system where it takes ten minutes to switch pages or create a new wire. Samir and his team have been really supportive and prompt when I've had any issues.

Adam Humphreys

Partner, Labucq

Before Highbeam, the cash flow drove the strategy instead of the business. Highbeam put us back in control.

Lauren Goldberg

CEO, Suzie Kondi

Highbeam stands next to me, providing a safety net and a transparent line of credit. Unlike a debt provider, I know we can build together for the long run.

Mickey Ashmore

Founder and CEO, Sabah

I strongly believe founder finances are just too complicated. Highbeam solves a genuine need by providing the financial organization that enables me to control my own business.

Suzanne Lehrer Dumaine

Founder and CEO, Stocked by Three Owls

Growth is hard. Sustainable, profitable growth is much harder — and it's here that Highbeam can be a game changer for brand founders.

Ricky Joshi

Co-founder and CSO, Saatva

Waiting a month for accounting close to manage spend just wasn't good enough. Highbeam lets us see where our money is going in real-time which is invaluable.

Sib Mahapatra

Co-founder, Branch Furniture

David Whitcroft

Head of Consumer and CFO, Full Stack Finance

Highbeam allows me to manage my business cash flow in real-time. These insights help me save what matters most—time and money.

Maurice Mosseri

Co-founder, Still Here

Jimmy Lin

Founder and President, Heat Press Nation

Katie Caplener

Founder and Designer, Vada Jewelry

Highbeam’s high interest savings account puts my extra cash to work while still giving me instant access to it. It’s a win-win.

Adrian Alfieri

Founder, Verbatim Labs

Highbeam is not only a best-in-class banking platform for ecommerce brands but it also drastically improved how we manage and plan our finances.

María Romero

Founder, Tintorería

Highbeam's cash flow tools have added efficiencies to my weekly cash management process saving both time and money.

Doreen Deymen

Controller, Tushy

Highbeam helps you predict and forecast when and where you might need capital next, then it helps you access it, all within the same platform, with much lower rates.

Nik Sharma

CEO, Sharma Brands

It’s a massive relief to know that there’s someone that has my back financially. With Highbeam in my corner, I can focus on building Sabah in a thoughtful way.

Mickey Ashmore

Founder and CEO, Sabah

Highbeam saves us thousands every month. Managing our finances is so much easier now, and the personal service is just top-notch.

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

The typical brand using Highbeam makes over $5M in annual sales.

We check all the boxes

Get started now

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.

Calculate your savings

(takes less than 5 minutes)

FAQs

What is Highbeam?

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

What do I need to apply for an account?

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

Are my funds insured?

Yes, your deposits qualify for up to $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.

What does Highbeam cost?

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.

How much credit can I get from Highbeam?

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.

See more FAQs

From the blog

How Suzie Kondi cut its cost of capital by 70% after switching to Highbeam

From the blog

Bootstrapping 101: how to scale a brand sustainably

From the blog

Why we started Highbeam

Banking that helps brands
make smarter decisions

Trusted by hundreds of brands

Designed to make you profitable,
‍not profit off you