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Banking that helps brand owners make smarter decisions

Real-time insights to manage cash-flow, refreshingly transparent credit, and delightful perks like 4% APY deposit accounts.

Designed to make you profitable,
‍not profit off you

Cash-flow, instantly
Real-time insights on expenses so there are no month end surprises
Credit, responsibly
Delightfully transparent and meant to be used when you need
Operate, quickly
Instant payouts, no wire limits, 24/7 service and more

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

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

Earn 4% APY on cash, 2% cash back on ad spend, and no wire limits

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

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

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

FDIC insured

We insure deposits up to $250,000 through Blue Ridge Bank, so rest assured your money is safe.

Built by ecommerce experts

Built by a team with deep operating experience in ecommerce and finance. Backed by FirstMark and Mayfield Fund.

Always secure

We never use your data without permission and have enterprise grade security to keep your information safe and secure.

1:1 support to help you grow

When you bank with Highbeam, you tap into our network of high-growth brands and preferred vendors.

Get smarter about profitability in less than five minutes

Don’t worry about switching banks, cards, or anything else. Start getting insights when you connect your store data.

Add us as a banking partner
(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 checking accounts are insured up to the FDIC limit of $250,000*. You can learn more about FDIC insurance here.

* Highbeam is a financial technology company, not a bank. Banking services are provided by Blue Ridge Bank, N.A.; Member FDIC.

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.

How much credit can I get from Highbeam?

The amount varies, but typically Highbeam extends up to a brand’s average monthly revenue.

See more FAQs

Banking that helps brand owners make smarter decisions

Real-time insights to manage cash-flow, refreshingly transparent credit, and delightful perks like high-yield deposit accounts.

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© 2023 Highbeam Inc. All rights reserved
Highbeam is a financial technology company and is not a bank. Banking services provided by Blue Ridge Bank, N.A.; Member FDIC. The Highbeam Debit Card is issued by Blue Ridge Bank, N.A., pursuant to a license from Visa U.S.A. Inc, and may be used everywhere Visa cards are accepted.
‍
Payment services are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: The Steward Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). In the US Currency Cloud operates in partnership with CFSB. CFSB fully owns the bank program and services are provided by The Currency Cloud Inc.