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
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Designed to make you profitable,
not profit off you



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.



Mickey Ashmore
Founder and CEO, Sabah
Jimmy Lin
Founder and President, Heat Press Nation
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María Romero
Founder, Tintorería
Ricky Joshi
Co-founder and CSO, Saatva

Nik Sharma
CEO, Sharma Brands
Mickey Ashmore
Founder and CEO, Sabah

Maurice Mosseri
Co-founder, Still Here
David Whitcroft
Head of Consumer and CFO, Full Stack Finance
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Lauren Goldberg
CEO, Suzie Kondi
Adrian Alfieri
Founder, Verbatim Labs

Sib Mahapatra
Co-founder, Branch Furniture
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
















We check all the boxes.
$2.5M FDIC insurance1
Deposits are FDIC-insured up to $2.5M through our network of partner banks, members FDIC.
4.5% APY2
Earn uncapped interest up to 4.5% APY on all high yield deposits and up to 3% APY on all checking accounts.
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.
FAQs
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
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
Yes, for Highbeam customers with deposit accounts on Thread Bank, funds up to $2,500,000 are insured by the FDIC through an insured cash sweep program managed by Thread Bank, Member FDIC. For Highbeam customers with deposits accounts on Blue Ridge Bank, funds up to $250,000 are insured by the FDIC through Blue Ridge Bank, N.A., Member FDIC. You can learn more about FDIC insurance on the FDIC website.
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.
The amount varies, but typically Highbeam will start at 15 days of sales, and grow to a brand’s average monthly revenue.