Highbeam
“Can a vertically focused neobank for ecommerce brands become the AI-driven financial operating system that replaces fragmented banking, capital, and finance ops tools?”
Founded2020
HQNew York, NY, USA
FoundersSamir Shergill, Gautam Gupta
Total raised$40M+
Latest roundSeries A, 2025
IndustryFintech / SMB banking
The story
Founded in 2020 as a domestic banking and cash flow platform specifically for US ecommerce brands, Highbeam initially used Unit as its BaaS backbone for domestic payments. As its clients' needs expanded internationally, Highbeam partnered with Currencycloud to add cross-border payment capability. By 2025, Highbeam had transitioned its payment infrastructure to Airwallex and raised a $30M Series A to reposition as an AI-powered financial operating system—'Highbeam Intelligence'—layering automation agents over banking, capital, cards, and bill pay for consumer brands.
Product timeline
2020
Highbeam launched as a domestic banking and cash flow platform for US-based ecommerce brands, initially powered by Unit for BaaS.· banking
2023
Raised $10M debt facility from TriplePoint to expand credit offerings including revolving lines of credit and cash advances for ecommerce merchants.· lending
2023
Partnered with Currencycloud to enable international payments for ecommerce clients with overseas vendors and manufacturers.· banking
2024
Migrated payment services to Airwallex US, LLC as the licensed money transmitter, replacing or augmenting prior BaaS infrastructure.· banking
2025
Raised $30M Series A to build AI-powered financial command center ('Highbeam Intelligence') for consumer brands including automated scenario planning, treasury, and bookkeeping agents.· pivot
The stack
Payments / PSP
Banking / BaaS
Card issuing
Lending
Sponsor bank
FX & payouts
Accounting gap: minor