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.
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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.
Earn 4% APY on cash*, 2% cash back on ad spend, and instant payouts
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.
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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.
We check all the boxes.
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.
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, 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.
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.
The amount varies, but typically Highbeam extends up to a brand’s average monthly revenue.
