High limit, instant, and responsible credit to help working capital needs
We give you credit on terms that your bank won’t, with a speed that your bank can’t.


Instant access to capital when you need it,
built with your interest in mind
Fast funding options can be predatory.
We make it easy to understand fees vs. rates
Our credit comparison tool allows you to compare true interest rates not “fees,” giving you an apples to apples view.
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Our banking line of credit means it’s flexible, smart, and transparent
Get cash based on your needs, not ours
Rather than a one-time cash infusion, draw down funds as you need it. This means you only pay interest on the money used, rather than on the total loan amount you would pay for a "cash advance."

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Automatic repayments means one less thing to worry about
This helps you save money on interest payments by automatically pulling back cash that would have sat idle in your bank account. Pause or pay on a schedule that works best for you.
Not to brag, but we check all the boxes
Here’s how we stack up against other credit lenders

FAQs
A revolving line of credit is a preset borrowing limit that can be utilized or repaid at any time. This means you can withdraw money as needed until the limit is reached. As the loan is repaid, the money becomes available again for withdrawal.
No, we do not require a hard pull while opening an account. We will always get approval prior to any credit checks while activating our credit products.
The amount varies, but typically Highbeam will start at 15 days of sales, and grow to a brand’s average monthly revenue.
No, Highbeam provides business loans that do not require personal guarantees.
We believe in transparent interest rates and credit products. We calculate interest daily at a flat, pre-determined APR based on the amount of principal outstanding.
A line of credit is designed to be more flexible from both a withdrawal and payback perspective. It is designed to save you money because you only pay interest on the capital you utilize, not the total amount available to you. Most fee-based loans charge you a predetermined fee with a fixed payback schedule, regardless of when or how much capital you utilize. Read more about the difference in our blog post here.
Annual percentage rate (APR) refers to the all-in yearly interest charged to borrowers of a loan. The APR provides business owners with a bottom-line number they can compare among lenders, credit cards, or investment products.
Highbeam will withhold loan prepayment at a predetermined rate based on a percentage of daily sales and time. You can determine the rate at which you repay a loan when you draw down on your line of credit.
No, we do not charge any prepayment penalties. This is different from a cash advance, where paying early, translates to a higher effective interest rate.
To apply, follow this link.
It varies between application and business size, but it can be from 3 business days up to 2 weeks. Open an account, connect your online stores and we put together a quote within 2 business days, and funded thereafter.