Flexible capital, tailored for your brand
We give you credit on terms that your bank won't, with a speed your bank can't.
Instant access to capital when you need it,
built with your interest in mind
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Highbeam Capital is the profitable way to scale my business. Highbeam stands next to me, providing a safety net and a transparent line of credit. I know we can build together for the long run.
Without Highbeam, we would still be struggling to scale and achieve the growth we want. Now, we understand our cash needs and how to finance our business better.
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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The only platform with lines of credit, advances, and cards built for brands
Get cash based on your needs, not ours
Access a revolving line of credit with no prepayment fees, giving you the freedom to manage your cash flow on your terms.
Flexible capital means one less thing to worry about
The Highbeam Advance offers fast turnarounds and instant funding, providing flexible draw amounts and repayment periods that you can customize.
Capital planning,
made easy
Highbeam’s capital planning tools, powered by Brand Intelligence, help you determine the best capital stack at every stage of growth.
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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 depending on many factors, but can roughly be estimated to start at 15-day ecommerce payout revenue growing upwards of 1-month.
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.
