# Highbeam

> Highbeam is a business banking and finance platform built for modern consumer brands (D2C and e-commerce). It combines operating and high-yield accounts, a charge card with cashback on advertising spend, working capital and credit lines, bill pay, spend intelligence, and an applied-AI finance assistant (Luma). Banking services are provided through partner banks (Thread Bank, member FDIC) and Airwallex. Highbeam does not publish a public developer API, developer portal, or machine-readable API specification as of this writing.

## About
- [About Highbeam](https://www.highbeam.com/about): Company overview.
- [Security](https://www.highbeam.com/security): Security posture and FDIC deposit protection.
- [FAQ](https://www.highbeam.com/faq): Common questions and support.
- [Contact](https://www.highbeam.com/contact): Get in touch with Highbeam.

## Products
- [Banking](https://www.highbeam.com/banking): Operating and high-yield accounts for consumer brands.
- [Card](https://www.highbeam.com/card): Charge card with cashback on advertising spend.
- [Capital](https://www.highbeam.com/capital): Working capital and credit for growing brands.
- [Bill Pay](https://www.highbeam.com/bill-pay): Automated vendor and bill payments.
- [Ad Spend Manager](https://www.highbeam.com/ad-spend-manager): Manage and earn on advertising spend.
- [Intelligence](https://www.highbeam.com/intelligence): Cash-flow and spend intelligence.
- [Luma](https://www.highbeam.com/luma): Applied-AI finance team for consumer brands.

## Resources
- [Blog](https://www.highbeam.com/blog): Company blog and brand-finance guides.
- [Guide to Banking](https://www.highbeam.com/guides/guide-to-banking)
- [Guide to Credit](https://www.highbeam.com/guides/guide-to-credit)
- [Ecosystem](https://www.highbeam.com/ecosystem): Partner ecosystem.

## Get Started
- [Qualify / Sign Up](https://www.highbeam.com/qualify): Apply and open an account.
- [App Login](https://app.highbeam.co/): Highbeam application login.

## Legal
- [Terms and Conditions](https://www.highbeam.com/legal/terms-and-conditions)
- [Privacy Policy](https://www.highbeam.com/legal/privacy-policy)
- [Legal Center](https://www.highbeam.com/legal): All banking, card, and deposit agreements.