Highbeam
Highbeam is a New York-based fintech, founded in 2020, that provides integrated banking, capital, card, bill pay, ad spend management, and an AI finance agent (Luma) to hundreds of ecommerce and consumer brands, including Saatva, Tushy, and Sabah.
- Company typePrivate
- Founded2020
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Highbeam does
Highbeam is a New York-based fintech company, founded in 2020, that delivers banking, capital, and AI-powered financial management tools to ecommerce and consumer brands. The platform is purpose-built for direct-to-consumer and omnichannel operators, offering a vertically integrated suite that includes business banking, working-capital products, a corporate card, bill pay, ad spend management, and Highbeam Intelligence for financial analytics. The company serves hundreds of consumer brands, with a customer mix spanning SMB and mid-market segments and named logos including Saatva, Tushy, Sabah, Suzie Kondi, and Labucq. Highbeam is led by co-founders Samir Shergill (CEO) and Gautam Gupta.
The platform is built on partner-provided regulated infrastructure rather than a proprietary bank charter: Thread Bank provides FDIC-insured deposit accounts, Airwallex powers international wire and payment rails, and Unit supplies embedded finance infrastructure. Layered on top, Highbeam has developed Luma, an AI finance agent that automates financial workflows and surfaces insights for ecommerce operators, alongside Ad Spend Manager for marketing finance optimization and Highbeam Intelligence as the analytics layer. The aggregated real-time financial data across the customer base—cash balances, ad spend, marketplace payouts, vendor bills—is the foundation for these AI and analytics products and represents a structural data advantage.
Highbeam's business model combines embedded finance revenue mechanics with SaaS-style fees. Monetization levers include interchange on card transactions, net interest income on customer deposits and outstanding capital balances, fees on capital products, and likely subscription or SaaS revenue from analytics and AI features. Distribution is a hybrid of direct sales to ecommerce operators and a partner referral network that includes financial advisors, accounting firms, investors, lenders, and Bain Capital. The company has raised more than $37 million to date across equity (FirstMark, Mayfield, Acrew Capital) and a debt facility (TriplePoint Capital), with the September 2025 $30 million Series A led by Acrew Capital specifically earmarked to scale the AI financial command center.
Highbeam firmographics
Firmographics- Name
- Highbeam
- Legal name
- Highbeam, Inc.
- Website
- https://highbeam.co
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Highbeam is a New York-based fintech, founded in 2020, that provides integrated banking, capital, card, bill pay, ad spend management, and an AI finance agent (Luma) to hundreds of ecommerce and consumer brands, including Saatva, Tushy, and Sabah.
- Ownership category
- akta.pro rank
Highbeam industry classification
Industry- Product category
- Ecommerce Banking Platform
- NAICS
- Credit Intermediation and Related Activities (522), Sales Financing (52222), Finance and Insurance (52)
- SIC
- Short-Term Business Credit Institutions (6153), Finance Services (6199)
- akta.pro primary industry
- Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)
- akta.pro secondary industries
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)
Keywords
Where Highbeam is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Markets served
Highbeam business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Interest Income from Capital Products: Revolving lines of credit and cash advances charged at flat APR rates. Credit amounts start at approximately 15-day ecommerce payout revenue and can grow to 1-month of revenue.
- Banking Service Fees: Fees on international wire transfers ($20 flat for USD), 1% fee on international card transactions, no monthly fees but generates revenue from float and deposit spreads.
- Card Interchange Revenue: Physical and virtual debit cards generate interchange revenue. Up to 2% cash back on ad spend and 1% on everything else.
- Premium Banking Tiers: Tiered interest rates on savings (up to 3.29% APY) create spread revenue. Higher balances receive higher rates.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free tier with basic banking features |
| Subscription | Monthly | Business Savings Account - Standard Tier |
| Subscription | Monthly | Business Savings Account - High Interest Tier |
| Usage-based | Pay-as-you-go | Highbeam Capital - Credit Products |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Highbeam product offering
Product offeringCore offering
Highbeam provides an integrated financial platform for ecommerce and consumer brands combining business banking (checking and savings with up to 3.29% APY and $3M FDIC insurance through Thread Bank), capital products (revolving lines of credit and cash advances), debit cards with cash back, bill pay, and AI-powered financial intelligence through its Luma agent. The platform automates scenario planning, treasury, bookkeeping, and real-time cash flow management, and is built for direct-to-consumer and omni-channel brands typically doing $5M+ in annual sales.
Product overview
Highbeam is an integrated financial platform for ecommerce and consumer brands offering a unified suite of products: Luma (AI-powered finance agent for automation and insights), Banking (checking/savings with FDIC coverage), Capital (flexible credit lines), Card (debit cards with cash back), Bill Pay (vendor payments), and Ad Spend Manager. The platform is built around Highbeam Intelligence, which uses autonomous AI agents to automate financial workflows including scenario planning, treasury management, and bookkeeping. Banking services are provided by Thread Bank, Member FDIC.
Differentiator
Problem solved
Functional benefit
Brands
- Luma: A world-class AI-powered finance team for consumer brands, featuring autonomous AI agents that automate scenario planning, treasury, bookkeeping and other financial operations
Products and services
- Luma AI-powered finance agent that serves as a finance team for consumer brands, automating scenario planning, treasury management, bookkeeping, and providing conversational financial insights through an AI Analyst.
- Banking Business checking and savings accounts with up to 3.29% APY, FDIC insurance up to $3M through Thread Bank, ACH payments, domestic and international wire transfers, and real-time spend management for ecommerce brands.
- Capital Flexible financing including revolving lines of credit and cash advances tailored to ecommerce brands, with transparent flat APR rates and terms based on business performance.
- Card Virtual and physical Visa debit cards offering up to 2% cash back on ad spend and 1% cash back on all other purchases, with integrated spend management.
- Bill Pay Integrated bill payment service that lowers costs, boosts security, and automates manual tasks for vendor payments for consumer brands.
- Highbeam Intelligence AI-powered platform featuring intelligent agents that automate scenario analysis, treasury operations, financial reporting, and bookkeeping tasks using applied AI technology.
Quantifiable outcome
- Typical brand using Highbeam makes over $5M in annual sales
- +3 more outcomes
Companies that use Highbeam
Customer profileNamed customers14 records
Segments2 records
Ideal customer profiles1 record
Highbeam technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature4 records
Highbeam partnerships and signals
Strategic signalScale indicators6 records
Recent moves6 records
Expansion highlights6 records
Highbeam competitors and assessment
Company assessmentDirect peers
- Ramp: Ramp provides corporate cards, bill pay, and spend management to SMBs and mid-market companies with heavy automation emphasis. It overlaps with Highbeam's banking + cards + automation thesis for similar customer segments.
- NorthOne: NorthOne offers digital business banking with integrated financial tools and integrations targeted at SMBs across many verticals including ecommerce. It competes head-to-head with Highbeam on banking, deposits, and bill pay.
- Found: Found is a banking, bookkeeping, and tax platform built specifically for self-employed individuals and small business owners. It targets a similar SMB digital-first customer with integrated financial tools.
- Novo: Novo provides free business checking, invoicing, and banking tools for small businesses and solopreneurs. It overlaps with Highbeam's SMB banking offering, particularly for ecommerce and online sellers.
- Brex: Brex is a corporate card and banking platform serving startups and SMBs with integrated spend management, bill pay, and treasury. It directly competes with Highbeam across cards, banking, and capital products for venture-backed and high-growth businesses.
- Mercury: Mercury is a digital banking platform for startups and SMBs offering checking, savings, treasury, and bill pay. It directly competes with Highbeam's core banking product for high-growth companies, though Mercury focuses on tech/SaaS more than ecommerce.
Emerging players
- Airwallex: Airwallex provides cross-border payments, multi-currency accounts, and corporate cards for global SMBs. Highbeam already uses Airwallex as a money transmitter partner, but Airwallex's cross-border banking offering competes for internationally-selling ecommerce brands.
- Wayflyer: Wayflyer provides revenue-based financing and cash advances specifically to ecommerce brands. It overlaps directly with Highbeam's Capital product and shares the ecommerce-vertical specialization.
- Clearco: Clearco (formerly Clearbanc) offers revenue-based financing to ecommerce and DTC brands. It competes with Highbeam Capital for the same ecommerce funding customer base, though it does not offer banking.
Broad incumbents
- Stripe Treasury: Stripe Treasury offers embedded banking-as-a-service for platforms, enabling companies to offer financial accounts to their customers. It represents a competitive threat and infrastructure alternative for Highbeam's banking layer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Highbeam social profiles
Digital presenceHighbeam financial estimates
Financial estimateRevenue estimate
Valuation estimate
Highbeam leadership team
Management profileNumber of profiles
Profiles2 records
Highbeam funding detail
Funding detailFunding overview
Funding rounds3 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Highbeam M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Highbeam
What does Highbeam do?
Highbeam provides an integrated financial platform for ecommerce and consumer brands combining business banking (checking and savings with up to 3.29% APY and $3M FDIC insurance through Thread Bank), capital products (revolving lines of credit and cash advances), debit cards with cash back, bill pay, and AI-powered financial intelligence through its Luma agent. The platform automates scenario planning, treasury, bookkeeping, and real-time cash flow management, and is built for direct-to-consumer and omni-channel brands typically doing $5M+ in annual sales.
Is Highbeam a public or private company?
Highbeam is a private company. It is classified as venture growth investor backed and is currently operating.
When was Highbeam founded?
Highbeam was founded in 2020. It employs 11 to 50 people.
Where is Highbeam based?
Highbeam is headquartered in New York, United States, in the North America region.
How does Highbeam make money?
Four revenue lines are on record. Interest Income from Capital Products are the primary driver. The others are banking Service Fees, card Interchange Revenue and premium Banking Tiers.
Who are Highbeam's main competitors?
Direct peers on record are Ramp, NorthOne, Found, Novo, Brex and Mercury. Emerging players are Airwallex, Wayflyer and Clearco. Stripe Treasury is listed as a broad incumbent.
Does Highbeam have an API?
No public API is recorded for Highbeam.
What industry is Highbeam in?
Highbeam's product category is Ecommerce Banking Platform. Its primary akta.pro industry code is FSAGACAG, Transaction Analytics & Cash-Flow Insights (risk signals, forecasting), with a secondary code of FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines). Its NAICS code is 522 and its SIC code is 6153.