Banking that helps brands
‍make smarter decisions

Automate your cash flow with real-time insights, refreshingly transparent credit, and up to 4.50% APY deposit accounts¹ with $2.5M FDIC insurance²

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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

$2.5M FDIC insurance on deposits¹. Built in from day one with no fee

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.

Learn more about the spend insights view

illustration highlighting forecasted expenses

graph comparison showing higher credit limits on highbeam compared to traditional line of credit

Instant, higher limit credit to meet working capital needs

Transparent rates and better payback structures than “cash advance” options.

Discover Highbeam’s Line of Credit

Up to 4.50% 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.

See our best-in-class banking for brands

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

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

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

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

Jimmy Lin

Founder and President, Heat Press Nation

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

David Whitcroft

Head of Consumer and CFO, Full Stack Finance

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

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.

Get started now

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.

$2.5M FDIC insurance²

Deposits are FDIC-insured up to $2.5M through our network of partner banks, members FDIC.

Built by ecommerce experts

When you bank with Highbeam, 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.

Get smarter about profitability in less than five minutes

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 providing banking services for ecommerce businesses. Highbeam accounts feature:

Checking account
High interest savings account
Virtual and physical cards with 2% cash back on ad spend and 1% on everything else
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 (if applicable)
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 $2,500,000 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, but typically Highbeam will start at 15 days of sales, and grow to a brand’s average monthly revenue.

See more FAQs

Designed to make you profitable, ‍not profit off you

Catch expenses before they become expensive

Instant, higher limit credit to meet working capital needs

Up to 4.50% annual percentage yield1 with $2.5M FDIC insurance2

Get savings that actually matter

Built for growing omni-channel brands

We check all the boxes.

4.50% APY1

$2.5M FDIC insurance2

Built by ecommerce experts

Always secure

Get smarter about profitability in less than five minutes

FAQs