Introducing the first AI finance agents for consumer brands.
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We recently raised $7M to continue supporting brand founders!
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Build your brand,
keep your cash.
Expert AI teammates, up to 4.04% yield, transparent credit, and free bill pay—all in one platform to save you time and money.
Highbeam is a financial technology company, not a bank.
Banking services provided by Thread Bank, Member FDIC.
Trusted by hundreds of brands
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Designed to make you profitable,
not profit off you
One trusted partner
Banking, capital, cards, bill pay, and finance operations all in one platform—to save you time and money.
Intelligence that works for you
Agents that automate scenario planning, treasury, bookkeeping and more. It’s your finance team that never sleeps.
Leverage our expertise
Access our best-in-class services, customized for you, and connect with exclusive, top-tier financial partners.
Finance agents that
do the work for you
Highbeam Intelligence gives you expert agents that automate important, manual finance tasks to save you time through automated scenario analysis, treasury, reporting, and more.
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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.
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.
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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.
Streamline your payments
Integrated bill pay lowers costs, boosts security, and automates manual tasks, so you can pay vendors quickly and confidently.
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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 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
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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
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
Pricing
Pick the plan that works best for your brand. We grow with you.
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Built for growing omni-channel brands
The typical brand using Highbeam makes over $5M in annual sales.
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.
(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.
The financial stack built for brands
One integrated platform that automates
cash flow management and maximizes profitability.