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Finance reimagined for
consumer brands

Modern banking and AI-powered financial intelligence, built specifically for consumer brands

Highbeam is a financial technology company, not a bank.
Banking services provided by Thread Bank, Member FDIC.

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Trusted by 650+ consumer brands

  • Still Here
  • Birddogs
  • Alex Crane
  • Branch
  • NYON
  • Cuts
  • Tushy
  • Labucq
  • Alice Mushrooms
  • Original Grain
  • Suzie Kondi
  • Sabah
  • Birthdate Co.
  • Portal
  • Kolkata Chai Co.
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Modern financial infrastructure
built for modern brands

One trusted partner

Banking, capital, cards, bill pay, and finance operations all in one platform, to save you time and money.

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Intelligence that works for you

Agents that automate scenario planning, treasury, bookkeeping and more. It’s your finance team that never sleeps.

Highbeam agents: Analyst, 12 tasks; Bookkeeping, 8 tasks; Alerts & reporting, 18 tasks; Treasury, 6 tasks
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Leverage our expertise

Access our best-in-class services, customized for you, and connect with exclusive, top-tier financial partners.

Your Highbeam team connected to an accountant, lender, investor, and fractional CFOImageImageImageImage
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Powered by Luma

Luma runs on your live bank, card, books and store data. Ask it anything about cash, margin or customers, and hand it the 13-week cash flow, the board pack and the AP review. It keeps them live on its own.

Luma answering “What was my net cash flow last month?” with a cash flow chart

Up to 3.52% annual percentage yield with $3.5M FDIC insurance2

Maximize your returns with competitive yields on checking and savings, automatically optimized with $3.5M FDIC insurance on deposits through Thread Bank, member FDIC, for total peace of mind.

Operating and high-yield account tiers, up to 3.52% APY on balances over $3M
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Capital that adapts to you

Whether it’s a revolving line of credit, a cash advance, or a custom solution, we provide flexible terms and transparent rates tailored to your brand’s needs.

Line of credit card showing $750,000 of $1,000,000 available to draw down instantly
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Cash back or extended terms: your choice

Choose between cash back up to 2.3% or extended repayment options.3 Simplify spend management and keep your focus on growth.

Cash Card with up to 2.3% cash back on ads and Flex Card with up to 1.7% cash back and one month of float

Streamline your payments

Integrated Bill Pay lowers costs, boosts security, and automates manual tasks, so you can pay vendors quickly and confidently.

An invoice being turned into a bill payment with payee, amount, and due date filled in
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  • Lauren Goldberg, CEO, Suzie Kondi
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    Before Highbeam, the cash flow drove the strategy instead of the business. Highbeam put us back in control.

    Lauren GoldbergCEO, Suzie Kondi
  • Mickey Ashmore, Founder and CEO, Sabah
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    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 AshmoreFounder and CEO, Sabah
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    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 DumaineFounder and CEO, Stocked by Three Owls
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    Growth is hard. Sustainable, profitable growth is much harder — and it's here that Highbeam can be a game changer for brand founders.

    Ricky JoshiCo-founder and CSO, Saatva
  • Sib Mahapatra, Co-founder, Branch Furniture
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    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 MahapatraCo-founder, Branch Furniture
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    Before modern entrants like Highbeam, you were stuck with traditional banks that don’t understand your business or institutional startup banks that may not deliver on what you need. For emerging brands, Highbeam makes a lot of sense.

    David WhitcroftHead of Consumer and CFO, Full Stack Finance
  • Maurice Mosseri, Co-founder, Still Here
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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 MosseriCo-founder, Still Here
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    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, and someone is always available. Switching was a no-brainer.

    Jimmy LinFounder and President, Heat Press Nation
  • Katie Caplener, Founder and Designer, Vada Jewelry
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    Highbeam has been a great asset to VADA's growth. Samir and his team have been extremely helpful with financial planning and funding. We love how easy it is to do business internationally using Highbeam.

    Katie CaplenerFounder and Designer, Vada Jewelry
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    Highbeam’s high interest savings account puts my extra cash to work while still giving me instant access to it. It’s a win-win.

    Adrian AlfieriFounder, Verbatim Labs
  • María Romero, Founder, Tintorería
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    Highbeam is not only a best-in-class banking platform for ecommerce brands but it also drastically improved how we manage and plan our finances.

    María RomeroFounder, Tintorería
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    Highbeam's cash flow tools have added efficiencies to my weekly cash management process saving both time and money.

    Doreen DeymenController, Tushy
  • Nik Sharma, CEO, Sharma Brands
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    Highbeam helps you predict and forecast when and where you might need capital next, then it helps you access it, all within the same platform, with much lower rates.

    Nik SharmaCEO, Sharma Brands
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    It’s a massive relief to know that there’s someone that has my back financially. With Highbeam in my corner, I can focus on building Sabah in a thoughtful way.

    Mickey AshmoreFounder and CEO, Sabah
  • Alex Crane, CEO, Alex Crane
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    Highbeam saves us thousands every month. Managing our finances is so much easier now, and the personal service is just top-notch.

    Alex CraneCEO, Alex Crane
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    I love Highbeam for it's ease of use—they're not a legacy system where it takes ten minutes to switch pages or create a new wire. Samir and his team have been really supportive and prompt when I've had any issues.

    Adam HumphreysPartner, Labucq

The community built for founders

We understand the challenges of starting and growing a brand. With Highbeam, you're not alone. Join a community of founders and finance leaders and grow together.

Logos of Highbeam customers including Still Here, Sabah, Birthdate Co., Branch, NYON, Suzie Kondi, Tushy, HeatPressNation, Alex Crane and Labucq
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Built for growing omnichannel brands

The typical brand using Highbeam makes over $5M in annual sales.

  • Still Here
  • Birddogs
  • Alex Crane
  • Branch
  • NYON
  • Cuts
  • Tushy
  • Labucq
  • Alice Mushrooms
  • Original Grain
  • Suzie Kondi
  • Sabah
  • Birthdate Co.
  • Portal
  • Kolkata Chai Co.
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We check all the boxes

Get started now
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All-in-one place

Don’t use 7-10 different finance tools. Highbeam puts everything you need into one intuitive platform.

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$3.5M FDIC insurance2

Deposits are FDIC-insured up to $3.5M through our partner bank, Thread Bank, member FDIC.

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Highbeam community

When you are a Highbeam customer, you tap into our network of high-growth brands and preferred vendors.

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Always secure

We never use your data without your permission and have enterprise grade security to keep your information safe and secure.

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The path to profitability starts now

Try our value calculator and get an estimate of the value Highbeam can bring your business.

Calculate your savings

(takes less than 5 minutes)

FAQ

What is Highbeam?

Highbeam is a finance platform for e-commerce businesses. Highbeam accounts feature:

  • Checking account
  • High interest savings account
  • Virtual and physical cards with up to 2.3% cash back on ad spend and 1% on everything else4
  • ACH payments, domestic and international wire transfers
  • Revolving line of credit
  • Real time spend management and insights
  • E-commerce platform integrations and dashboard
  • Other tools and features to help you run your e-commerce business
What do I need to apply for an account?

Highbeam is open to e-commerce and omnichannel 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
  • Business name, industry, address, email, and telephone number
  • Registration certificates, business licenses, and/or articles of incorporation
Are my funds insured?

Yes, your deposits qualify for up to $3,500,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program here and a list of program banks here. You can learn more about FDIC insurance on the FDIC website.

What does Highbeam cost?

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.

How much credit can I get from Highbeam?

The amount varies depending on many factors, but can roughly be estimated to start at 15-day e-commerce payout revenue growing upwards of 1-month.

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The financial stack built for brands

One integrated platform that automates
cash flow management and maximizes profitability.