Today, we launched the first finance agents for consumer brands—we believe that vertical, expert agents are ready to transform how finance teams operate. Finance teams spend most of their time managing a web of point solutions and spreadsheets. That leaves little time for what matters most—making the right business decisions to manage risk, drive profitability and maximize cash. Our belief is that incremental improvements will not solve this problem—a slightly better credit card or BI dashboard just adds to the noise. The future of finance work is not manually using ten products built for any and every business - it’s using one platform built for your business. Each of Highbeam’s agents are designed to help the finance team at consumer brands be more productive. These AI agents don’t just analyze your business; they can take action by leveraging Highbeam’s all-in-one financial platform. If you're a consumer brand, sign up for free and try it out!
Highbeam
Financial Services
New York, NY 1,999 followers
Build your brand, keep your cash. Expert AI teammates, high yield, transparent credit, and free bill pay.
About us
Highbeam helps ecommerce brands be more profitable by giving them real-time cashflow insights, a flexible line of credit, and no-fee banking that saves you money where you spend the most.
- Website
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https://www.highbeam.co/
External link for Highbeam
- Industry
- Financial Services
- Company size
- 11-50 employees
- Headquarters
- New York, NY
- Type
- Privately Held
Locations
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Primary
Get directions
New York, NY, US
Employees at Highbeam
Updates
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Highbeam reposted this
We finally have some Branch phone booths in the Highbeam office! ft. Samir Shergill
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Highbeam reposted this
At Highbeam, we understand that not all credit is created equal. You might get a great rate on paper, but the real cost comes down to how and when you repay. Most founders don’t account for the structure—amortization, prepayment penalties, hidden fees. And that’s where capital gets expensive fast. The opportunity isn’t just better access to credit. It’s using data to manage it smarter. Founders should know the true cost of borrowing and have the tools to reduce it automatically. That’s where this needs to go.
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Highbeam reposted this
Is it me, or the market? Every operator asks that question at some point. Now you don’t have to guess. At Highbeam, we’ve rolled out new benchmarking tools so you can finally see how you stack up against your peers. Compare against: ✔️ Live metrics from Highbeam customers ✔️ Industry “gold standard" performance metrics across ecommerce brands ✔️ And yes—you can just ask our AI how you’re doing Less guessing. More clarity. Built for founders and operators. If you’re interested, sign up on our website and start using our AI Analyst for free.
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Highbeam reposted this
I had tea with THE David from David’s Tea. I can understand how one could become complacent after scaling a company to $200M and successfully exiting… NOT David! I witnessed his passion and energy as he’s in full builder mode 🔥 As if, it’s Day 1 all over again. He continues to think BIG! 🚀 I’m excited to share more of his story at Ecom North Summit Sept 23-24, 2025 at Meridian Hall, Toronto. Stay Tuned For More Details…!! ✌️
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Highbeam reposted this
Investing in Consumer, PropTech & Future of Work @ SuperAngel.Fund 😇 | SuperAngel.vc | SuperAngel.blog | ben@superangel.vc
Great pod featuring not one, but two exceptional SuperAngel.Fund portfolio companies 🤝 Samir Shergill from Highbeam 💳 Sib Mahapatra from Branch 🪑 https://lnkd.in/ehThkZsY Sean Frank Mike Beckham Jason Panzer Matthew Bertulli
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Great insights here!
Opening over 200 stores has taught me a lot about what works, and what doesn’t, in retail. Whether you’re thinking of opening your first store or starting to scale, here are ten key considerations. 1. Payback Matters: Aim for a 3 year payback on your total CAPEX and ideally 2 years. Include all opening costs from equipment, broker fees, design, legal, and other soft costs. Payback time = total CAPEX ÷ store contribution dollars. 2. Sales Per Square Foot: Your store’s viability depends on how much money you can generate per square foot. For spaces between 1,000–3,000 sqft, you need at least $500 per sqft and ideally much more. 3. Labor Thresholds: Every store has a minimum labor requirement. If sales drop below a certain level, labor costs as a percentage of sales will spike. 4. Rent Control: You want to keep gross rent as a percentage of sales ideally around 10% but not higher than 15%. 5. Store Contribution: After all product, labour, occupancy, and operating costs, your store should contribute at least 15%. The best concepts hit over 20%. 6. Volume Simplifies Management: It’s harder to manage lower volume stores than higher volume stores. When somebody calls in sick and you have 5 people on the shift it’s much easier to absorb than if you have 2. 7. High Rent Can Pay Off: The most profitable stores I had were often the ones I paid the highest rent in. But you better be sure that your concept works before taking on big rent stores. “Don’t take your play to Broadway before it sells off-Broadway”. 8. Cluster Locations: keep your stores close by at the start. You’ll need to shuffle staff with turnover and having proximity between stores will not only be more profitable but make your life much easier. 9. Lease Flexibility: If you’re signing a 10 year lease get an out after 2 or 3 years if you are below a certain sales threshold. And for the upside try to get two 5 year tenant options after the initial term. 10. Deposit Management: Limit landlord deposits to first and last month’s rent. If they demand more, negotiate to get the cash back 24 or 36 months in (not at the end). Deposit money adds up as you grow.
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If you need the most up-to-date information on tariffs, we've got you covered.
What’s the latest on tariffs? Highbeam has you covered. Visit latesttariffs.com Things are changing fast and we're keeping this information up-to-date. It’s a free resource to track the most recent tariff updates and understand how they impact your COGs.
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Highbeam reposted this
Excited to welcome Kolkata Chai Co. to Highbeam 🎉 They’re building a category-defining brand—blending culture, community, and killer product. Loved by Hasan Minhaj, growing fast, and now running on modern banking and capital with Highbeam.
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