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
















Banking, capital, cards, bill pay, and finance operations all in one platform, to save you time and money.
Agents that automate scenario planning, treasury, bookkeeping and more. It’s your finance team that never sleeps.

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





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.

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.

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.

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

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


Before Highbeam, the cash flow drove the strategy instead of the business. Highbeam put us back in control.

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.
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.
Growth is hard. Sustainable, profitable growth is much harder — and it's here that Highbeam can be a game changer for brand founders.

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.
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.

Highbeam allows me to manage my business cash flow in real-time. These insights help me save what matters most—time and money.
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.

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.
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.

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

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.
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.

Highbeam saves us thousands every month. Managing our finances is so much easier now, and the personal service is just top-notch.
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.
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.

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















Don’t use 7-10 different finance tools. Highbeam puts everything you need into one intuitive platform.
Deposits are FDIC-insured up to $3.5M through our partner bank, Thread Bank, member FDIC.
When you are a Highbeam customer, you tap into our network of high-growth brands and preferred vendors.
We never use your data without your permission and have enterprise grade security to keep your information safe and secure.
Try our value calculator and get an estimate of the value Highbeam can bring your business.
(takes less than 5 minutes)
Highbeam is a finance platform for e-commerce businesses. Highbeam accounts feature:
Highbeam is open to e-commerce and omnichannel brands. To be eligible, you must be a U.S. company with the following:
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.
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.
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.
One integrated platform that automates
cash flow management and maximizes profitability.