Highbeam offers an AI-powered financial command centre that uses live data to guide day-to-day cash-management decisions for consumer brands. Its platform actively optimises cash flow rather than relying on quarterly or monthly reporting. The company plans to accelerate product development, expand access to integrated financial products, and strengthen its AI capabilities with the new capital. Upcoming features include AI-powered finance teammates, deeper product integrations, and tailored benchmarks for consumer brands. Highbeam currently manages over $5bn in cash transactions annually for hundreds of brands. The firm has reported strong growth, with 3x increases in sales volume, 3.5x growth in deposits, and 5x growth in integrated product usage such as card spending. Highbeam provides banking features, credit and cash-flow insights tailored to e-commerce customers, including bank accounts, free wire transfers and a debit card with 2% cash back. The platform offers a dashboard that leverages algorithms to categorize revenue and spend, deliver forecasts, and provide a vendor view and spend-tracking analytics to monitor expenses in real time. Its credit product is a flat-rate, revenue-based line of credit that customers can draw down and repay on demand, with repayments tied to a percentage of revenue. Highbeam typically works with founder-led companies with greater than $1 million in revenue and partners with Blue Ridge Bank and The Currency Cloud for banking and payments. The company reports 30% month-over-month growth and annual cash flow in the hundreds of millions, while declining to disclose customer count or ARR. Highbeam says it will expand the reach of its digital product portfolio and ramp up hiring in sales and customer success. Highbeam is a one‑year‑old New York fintech startup founded by Samir Shergill and Gautam Gupta that builds banking products and cash‑management insights tailored to e‑commerce brands. Its platform offers a single financial view, transparent credit options, debit card services and a software component to collect and analyze financial data for merchants without a CFO. Highbeam partners with Blue Ridge Bank, N.A. for banking services and The Currency Cloud Ltd. for payment services. Since launching its product three months ago, dozens of customers have switched their bank to Highbeam and the company is now managing tens of millions of dollars. The company has a team of about 10 people and plans to use new capital to grow the team, enhance core banking experience and credit offerings, and invest in go‑to‑market and sales. Management emphasizes helping brands with cash management, credit access and insights as they scale across channels and navigate changing e‑commerce dynamics.

Total raised

$47M

Funding rounds

3

Latest round

Series A

Latest activity

Sep 2025