How much value can Highbeam provide your business?
Input your yearly sales for a quick value estimate.
Banking that helps brands
make smarter decisions
Automate your cash flow with real-time insights, refreshingly transparent credit, and up to 4.5% APY deposit accounts with $2.5M FDIC insurance1,2
Your estimated value
$254,083 / year
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$2,500,000
$2.5m
FDIC insurance protection for your accounts.
364 hrs
Finance team hours saved by automation.
Get a free cash flow consultation during onboarding
Nik Sharma subscribers get a free cash flow consultation during onboarding
Input your yearly sales and click “See your estimate” to get started.
Are you just getting started with your business?
Our calculator can’t provide estimates for businesses of your size,
but we’d love to grow with you.
Crunching your numbers ...
Designed to make you profitable,
not profit off you
Cash-flow, instantly
Automate daily yield and interest payback to maximize profits and cash flow
Credit, responsibly
Delightfully transparent and meant to be used when you need
Scale, securely
$3M FDIC insurance on deposits through our network of partner banks2
Catch expenses before they become expensive
Highbeam gives you real-time visibility into your finances, so you’re not waiting for month-end reports to catch big expenses.
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Instant, higher limit credit to meet working capital needs
Transparent rates and better payback structures than “cash advance” options.
Up to 4.5% annual percentage yield1 with $2.5M FDIC insurance2
We know the small things that make it frustrating to bank with large players, so we’re built to move as fast as your brand.
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
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
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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
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
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 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
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
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Before Highbeam, the cash flow drove the strategy instead of the business. Highbeam put us back in control.
Lauren Goldberg
CEO, Suzie Kondi
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
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
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
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
Get savings that actually matter
We’ve partnered with the leading ecommerce tools and services to get you monthly and annual savings.
Built for growing omni-channel brands
The typical brand using Highbeam makes over $5M in annual sales.
We check all the boxes.
4.50% APY1
Earn uncapped interest up to 4.50% APY on all high yield deposits and up to 3.00% APY on all checking accounts.
$3M FDIC insurance2
Deposits are FDIC-insured up to $3M through our network of partner banks, members FDIC.
Built by ecommerce experts
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 permission and have enterprise grade security to keep your information safe and secure.
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 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.
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.
