# Highbeam

> Highbeam is a New York fintech combining business banking, working-capital financing, cards, bill pay and AI financial tools for U.S. consumer brands. Its Luma platform connects operating data to cash forecasts and financial decisions, with a focus on profitable growth rather than sales alone.

- **Founded:** 2021
- **Headquarters:** New York, United States
- **Founders:** Samir Shergill (Co-founder and CEO), Gautam Gupta (Co-founder and CTO)
- **Products:** Highbeam Banking, Highbeam Capital, Highbeam Card, Highbeam Bill Pay, Highbeam Intelligence
- **Notable:** Announced a US$30M Series A in September 2025., Luma page reports 500+ consumer brands and $15B+ in transactions managed; company-reported, not audited here., Launched Luma in June 2026 with more than 40 financial workflows.

## Products & services

- **Highbeam Banking** — Business checking and savings, transfers and automated treasury sweeps; banking services through Thread Bank.
- **Highbeam Capital** — Revolving lines of credit, cash advances and tailored financing, subject to approval.
- **Highbeam Card** — Physical and virtual cards with spending controls and choices between cashback and extended repayment.
- **Highbeam Bill Pay** — Vendor payments, invoice processing, approvals and accounting connections.
- **Highbeam Intelligence** — AI analyst, treasury, bookkeeping and reporting agents for consumer-brand finance.
- **Luma** — Financial operating system connecting brand data, forecasts, scenario models and more than 40 financial workflows at launch.
- **Pay by Card** — Pay vendors using an existing card, including vendors that do not accept cards directly.

## Achievements

- Announced a US$30M Series A in September 2025.
- Luma page reports 500+ consumer brands and $15B+ in transactions managed; company-reported, not audited here.
- Launched Luma in June 2026 with more than 40 financial workflows.
- The Perfect Jean case study reports weekly cash-review time dropping from 3–4 hours to 15–30 minutes.

## Latest updates

- **2026-07** — Published the Pay by Card announcement and a worked example of card fees versus liquidity benefits.
- **2026-06** — Introduced Luma and described its Vault, structured execution and forecasting architecture.
- **2025-09** — Announced US$30M Series A led by Acrew Capital.

## Links

- Website: https://www.highbeam.com/
- LinkedIn: https://www.linkedin.com/company/highbeam-co
- Twitter/X: https://x.com/highbeamnyc
- Instagram: https://www.instagram.com/highbeamnyc

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Profile page: https://yespress.io/highbeam
Published by YesPress — https://yespress.io
Last updated: 2026-10-03