Highbeam | Business banking, reimagined for ecommerce

Trusted by brands like

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 at 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, its app
is beautifully designed and
someone is always available.
Switching was a no-brainer.

Jimmy Lin

Founder and CEO at HeatPress Nation

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 at Branch

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 & CSO, Saatva

Highbeam not only built a best in
class banking platform for
Shopify brands but also
drastically improved our core
financial stack.

Nick O'Brien

Co-Founder and CFO of Alloi

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 of Three Owls

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 at 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, its app
is beautifully designed and
someone is always available.
Switching was a no-brainer.

Jimmy Lin

Founder and CEO at HeatPress Nation

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 at Branch

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 & CSO, Saatva

Highbeam not only built a best in
class banking platform for
Shopify brands but also
drastically improved our core
financial stack.

Nick O'Brien

Co-Founder and CFO of Alloi

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 of Three Owls

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 at 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, its app
is beautifully designed and
someone is always available.
Switching was a no-brainer.

Jimmy Lin

Founder and CEO at HeatPress Nation

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 at Branch

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 & CSO, Saatva

Highbeam not only built a best in
class banking platform for
Shopify brands but also
drastically improved our core
financial stack.

Nick O'Brien

Co-Founder and CFO of Alloi

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 of Three Owls

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 at 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, its app
is beautifully designed and
someone is always available.
Switching was a no-brainer.

Jimmy Lin

Founder and CEO at HeatPress Nation

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 at Branch

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 & CSO, Saatva

Highbeam not only built a best in
class banking platform for
Shopify brands but also
drastically improved our core
financial stack.

Nick O'Brien

Co-Founder and CFO of Alloi

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 of Three Owls

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 at 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, its app
is beautifully designed and
someone is always available.
Switching was a no-brainer.

Jimmy Lin

Founder and CEO at HeatPress Nation

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 at Branch

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 & CSO, Saatva

Highbeam not only built a best in
class banking platform for
Shopify brands but also
drastically improved our core
financial stack.

Nick O'Brien

Co-Founder and CFO of Alloi

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 of Three Owls

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 at 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, its app
is beautifully designed and
someone is always available.
Switching was a no-brainer.

Jimmy Lin

Founder and CEO at HeatPress Nation

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 at Branch

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 & CSO, Saatva

Highbeam not only built a best in
class banking platform for
Shopify brands but also
drastically improved our core
financial stack.

Nick O'Brien

Co-Founder and CFO of Alloi

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 of Three Owls

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 at 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, its app
is beautifully designed and
someone is always available.
Switching was a no-brainer.

Jimmy Lin

Founder and CEO at HeatPress Nation

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 at Branch

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 & CSO, Saatva

Highbeam not only built a best in
class banking platform for
Shopify brands but also
drastically improved our core
financial stack.

Nick O'Brien

Co-Founder and CFO of Alloi

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 of Three Owls

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 at 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, its app
is beautifully designed and
someone is always available.
Switching was a no-brainer.

Jimmy Lin

Founder and CEO at HeatPress Nation

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 at Branch

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 & CSO, Saatva

Highbeam not only built a best in
class banking platform for
Shopify brands but also
drastically improved our core
financial stack.

Nick O'Brien

Co-Founder and CFO of Alloi

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 of Three Owls

Why Highbeam?

Have confidence in your business finances

All your revenue and spend in a single dashboard

Insights to help you grow your ecommerce business

Improve your cash flow with no fee instant payouts

Why Highbeam?

Revenue-based line of credit designed for ecommerce businesses

Ensure you always have the capital to meet your supplier and marketing needs.

Grows with your business

More revenue, more credit. True banking line of credit up to one month of sales revenue.

Fair and transparent

Flat APR to help you compare against other funding options.

On demand credit

Stop paying interest on unused loans. Draw down your credit line only when you need it.

Why Highbeam?

Best-in-class ecommerce rewards with Highbeam Visa

Have control over your money by creating spend cards with configurable spend limits. All of our spend cards feature:

2% cashback on all marketing spend
1% cashback on all other spend
No minimum monthly spend & no fees

Open an account online in less than 5 minutes.

We do not require a credit check.

Sign up and enter your details

Connect your ecommerce accounts

Start using your cash account and cards

Sign up for
Highbeam for free

Join the waitlist

Business banking, reimagined forecommerce

FDIC insured

Deposits are FDIC insured up to $250,000 through Blue Ridge Bank N.A., Member FDIC

Trusted by brands like

Highbeam stands next to me,providing a safety net and atransparent line of credit. Unlike adebt provider, I know we canbuild together for the long run.

Mickey Ashmore

Founder and CEO at 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, its app is beautifully designed and someone is always available. Switching was a no-brainer.

Jimmy Lin

Founder and CEO at HeatPress Nation

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 at Branch

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 & CSO, Saatva

Highbeam not only built a best in class banking platform for Shopify brands but also drastically improved our core financial stack.

Nick O'Brien

Co-Founder and CFO of Alloi

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 of Three Owls

Highbeam stands next to me,providing a safety net and atransparent line of credit. Unlike adebt provider, I know we canbuild together for the long run.

Mickey Ashmore

Founder and CEO at 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, its app is beautifully designed and someone is always available. Switching was a no-brainer.

Jimmy Lin

Founder and CEO at HeatPress Nation

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 at Branch

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 & CSO, Saatva

Highbeam not only built a best in class banking platform for Shopify brands but also drastically improved our core financial stack.

Nick O'Brien

Co-Founder and CFO of Alloi

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 of Three Owls

Highbeam stands next to me,providing a safety net and atransparent line of credit. Unlike adebt provider, I know we canbuild together for the long run.

Mickey Ashmore

Founder and CEO at 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, its app is beautifully designed and someone is always available. Switching was a no-brainer.

Jimmy Lin

Founder and CEO at HeatPress Nation

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 at Branch

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 & CSO, Saatva

Highbeam not only built a best in class banking platform for Shopify brands but also drastically improved our core financial stack.

Nick O'Brien

Co-Founder and CFO of Alloi

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 of Three Owls

Highbeam stands next to me,providing a safety net and atransparent line of credit. Unlike adebt provider, I know we canbuild together for the long run.

Mickey Ashmore

Founder and CEO at 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, its app is beautifully designed and someone is always available. Switching was a no-brainer.

Jimmy Lin

Founder and CEO at HeatPress Nation

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 at Branch

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 & CSO, Saatva

Highbeam not only built a best in class banking platform for Shopify brands but also drastically improved our core financial stack.

Nick O'Brien

Co-Founder and CFO of Alloi

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 of Three Owls

Highbeam stands next to me,providing a safety net and atransparent line of credit. Unlike adebt provider, I know we canbuild together for the long run.

Mickey Ashmore

Founder and CEO at 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, its app is beautifully designed and someone is always available. Switching was a no-brainer.

Business banking, reimagined for
ecommerce

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.

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, its app
is beautifully designed and
someone is always available.
Switching was a no-brainer.

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.

Growth is hard. Sustainable,
profitable growth is much
harder — and it's here that
Highbeam can be a game
changer for brand founders.

Highbeam not only built a best in
class banking platform for
Shopify brands but also
drastically improved our core
financial stack.

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.

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.

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, its app
is beautifully designed and
someone is always available.
Switching was a no-brainer.

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.

Growth is hard. Sustainable,
profitable growth is much
harder — and it's here that
Highbeam can be a game
changer for brand founders.

Highbeam not only built a best in
class banking platform for
Shopify brands but also
drastically improved our core
financial stack.

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.

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.

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, its app
is beautifully designed and
someone is always available.
Switching was a no-brainer.

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.

Growth is hard. Sustainable,
profitable growth is much
harder — and it's here that
Highbeam can be a game
changer for brand founders.

Highbeam not only built a best in
class banking platform for
Shopify brands but also
drastically improved our core
financial stack.

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.

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.

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, its app
is beautifully designed and
someone is always available.
Switching was a no-brainer.

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.

Growth is hard. Sustainable,
profitable growth is much
harder — and it's here that
Highbeam can be a game
changer for brand founders.

Highbeam not only built a best in
class banking platform for
Shopify brands but also
drastically improved our core
financial stack.

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.

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.

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, its app
is beautifully designed and
someone is always available.
Switching was a no-brainer.

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.

Growth is hard. Sustainable,
profitable growth is much
harder — and it's here that
Highbeam can be a game
changer for brand founders.

Highbeam not only built a best in
class banking platform for
Shopify brands but also
drastically improved our core
financial stack.

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.

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.

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, its app
is beautifully designed and
someone is always available.
Switching was a no-brainer.

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.

Growth is hard. Sustainable,
profitable growth is much
harder — and it's here that
Highbeam can be a game
changer for brand founders.

Highbeam not only built a best in
class banking platform for
Shopify brands but also
drastically improved our core
financial stack.

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.

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.

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, its app
is beautifully designed and
someone is always available.
Switching was a no-brainer.

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.

Growth is hard. Sustainable,
profitable growth is much
harder — and it's here that
Highbeam can be a game
changer for brand founders.

Highbeam not only built a best in
class banking platform for
Shopify brands but also
drastically improved our core
financial stack.

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.

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.

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, its app
is beautifully designed and
someone is always available.
Switching was a no-brainer.

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.

Growth is hard. Sustainable,
profitable growth is much
harder — and it's here that
Highbeam can be a game
changer for brand founders.

Highbeam not only built a best in
class banking platform for
Shopify brands but also
drastically improved our core
financial stack.

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.