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Revolving Credit Line

Funding Solution

Line of credit

Financing amount

From $100,000

Term

Open-ended, revolving

Fees from

16% - annually

Time to fund

up to 48h

Description

About:

Highbeam is a fintech platform combining banking and flexible financing specifically for e-commerce brands, providing integrated solutions including FDIC-insured high-yield accounts, transparent credit products, and AI-powered financial insights tailored for online retailers.

Product:

With Highbeam’s Revolving Line of Credit, e-commerce businesses can access flexible working capital with transparent APR (16-24%) and no hidden fees. Approved within 24-48 hours, funds are instantly credited to your Highbeam account, allowing you to quickly finance inventory purchases, marketing campaigns, invoices, and payroll expenses.

The revolving structure allows continuous access to funds as you repay, with flexible repayment options aligned with your revenue patterns. Designed specifically for established US-based online retailers with 12+ months of trading history and $50k+ monthly revenue, Highbeam requires no personal guarantees or credit checks.

Platforms

E-commerce marketplaces or online selling channels that are supported.

Amazon

Shopify

Etsy

BigCommerce

WooCommerce

Others

Offer details:

Minimum monthly turnover
The minimum average monthly sales required to qualify for this funding solution.
$50,000
Minimum time in business
How long your business must have been operating to be eligible.
12 months
Minimum amount of financing
The range of available funding. The final amount depends on your business performance and credit assessment.
$100,000
Maximum amount of financing
The range of available funding. The final amount depends on your business performance and credit assessment.
No maximum
Interest fees
Interest rate represents the cost of your loan. Final rate depends on your business profile and creditworthiness.
16% - 24% - annually
Repayment method
The way you'll pay back the funding.
Flexible repayments
Duration of the contract
The duration of the funding agreement.
Open-ended, revolving
Terms of termination
The conditions and requirements for ending the funding agreement early.
No prepayment penalties, repay anytime; revolving access continues indefinitely if account remains in good standing.
Time of decision
Maximum waiting period to receive a funding decision after submitting all required documentation.
up to 120h
Time to release funds
Expected timeframe from application approval to money being deposited in your account.
up to 48h
Additional Info
  • registered business
  • 12+ months in business
  • $50k+ monthly sales
  • must use Highbeam banking
Countries operating
Geographical regions where this funding solution is currently available to businesses.
United States
Apply for financing