Banking that gives you what your accountant should, in real-time

Highbeam desktop app mockupmockup of tooltip shown on hover of sales graph within highbeam app
Mobile highbeam app showing spend tab
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Highbeam allows me to manage my business cash flow in real time. These insights help me save what matters most—time and money.

Maurice Mosseri
Co-founder of Still Here
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The more horsepower you dedicate to cash management functions early on, the better set up you are for the future and the fewer headaches you’ll have downstream.

David Whitcroft
Head of Consumer & CFO, Full Stack Finance

Catch expenses before they become expensive

You don’t have time to review credit card statements daily — see spend on a day-to-day basis so you can flag big expenses.

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Banking that makes sense of your expenses

illustration showing highbeam app connected to all sales channels
illustration showing highbeam app connected to all sales channels

Quicker than month-end “books”

Get real-time, at-a-glance views to know how much you spent on marketing, fulfillment, payroll, and more this month.

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Explore spend by vendor to ensure you’re not overpaying

Dive in to see transactions by specific vendors and catch abnormally high expenses.

Power up with Highbeam’s Cash Forecasting

CFOs use Highbeam to enhance their ability to show you accurate cash forecasting.

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The more horsepower you dedicate to cash management functions early on, the better set up you are for the future and the fewer headaches you’ll have downstream.

David Whitcroft
Head of Consumer & CFO, Full Stack Finance

FAQs

What is Highbeam?
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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
What do I need to apply for an account?
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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
What does Highbeam cost?
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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.

Banking that helps brands
make smarter decisions

Automate your cash flow with real-time insights, refreshingly transparent credit, and high yield deposit accounts.