Smarter capital for ecommerce growth

The Financial Partner Brands Deserve — A Tondo x Highbeam Partnership

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By partnering with all-in-one banking platform Highbeam, Tondo empowers ecommerce brands with smarter cash and capital management.
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Banking & Capital, Purpose-Built for Brands

Banking and capital solutions built for ecommerce brands
— flexible, intelligent, and backed by expert support.

Highbeam Banking

Customized for Tondo customers

  • No-fee banking designed to save you thousands 
  • High yield savings (up to 4.04% annual percentage
    yield¹) 
  • Interest earning checking (up to 2.02% annual percentage
    yield¹)
  • $3M FDIC insurance on deposits through Thread Bank, member FDIC².

  • AI powered daily yield management
  • Dedicated account management team
  • Competitive currency exchange rates

Highbeam Capital

Designed for Tondo customers

  • Transparent, flexible capital solutions
  • Revolving credit lines and high limit advances highbeam also has cashback cards
  • Capital planning tools with real-time cash reporting
  • Strategic advisory from ecommerce finance experts

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One Platform, Total Financial Control

Tondo works with Highbeam to streamline working capital and cash management

All-in-One Place


Stop stitching together ten tools. Tondo consolidates your financial stack into one platform—built for how ecommerce works.

Highbeam Intelligence

Finance agents automate manual tasks like treasury management, scenario analysis, benchmarking, and more — to improve your bottom line and save you time. We have a bookkeeping assistant.

Expert Partners


Gain access to advisors who understand ecommerce and capital, with tools and guidance to control cash and hit profitability goals.

Why Brands
Struggle With Cash

Traditional Tools Weren’t Built for You

Multiple disconnected finance point solutions

Fluctuating cash inflows and extended inventory timelines

Low margins make hiring finance teams hard

Legacy banks charge high fees and offer no insight

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Why Is This So Hard?

To grow a brand, you need excellent cash planning and working
capital management. Without it, you risk:

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Not finding the
right funding for
working capital

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Not having enough
free cash flow
for operations like payroll

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Buying too much—
or not enough
—inventory

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Wasting thousands
managing money
across disconnected tools

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Buying too much—
or not enough
—inventory

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Working Capital Planning

Avoid surprises and plan with confidence.


Tondo powered by Highbeam gives you a powerful, real-time view of your cash position—past, present, and future. Forecast your inflows and outflows, simulate different growth or inventory scenarios, and make strategic decisions with clarity.

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Make entrepreneurship profitable

By partnering with Highbeam, our mission is to provide financial freedom for brands through exceptional cash management.

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Tondo x Highbeam
purpose built for brands

A Tondo x Highbeam partnership gives you the tools, intelligence, and expert support to plan cash, access capital, and grow with confidence.
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  • Highbeam is a financial technology company and is not a bank. Banking services are provided by Thread Bank, Member FDIC. The Highbeam Debit card and the Highbeam Card are issued by Thread Bank, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa cards are accepted. Highbeam Line of Credit is not a deposit product and is not provided by Thread Bank.
  • 1. The interest rate on the Business Deposit Account is 0.75% with Annual Percentage Yield (APY) of 0.75% for accounts with balances of at least $100,000. The interest rate on the Business Deposit Account is 2.00% with Annual Percentage Yield of 2.02% for accounts with balances of at least $250,000. The interest rate on the Business Savings Account is 2.96% with Annual Percentage Yield of 3.00%. The interest rate on the Business Savings Account is 3.47% with Annual Percentage Yield of 3.52% for customers offered the high-interest tier that maintain a minimum balance of $1,000,000. The interest rate on the Business Savings Account is 3.97% with Annual Percentage Yield of 4.04% for customers offered the high-interest tier that maintain a minimum balance of $5,000,000. The interest rates are accurate as of 1/27/25 and are variable and subject to change based on the target range of the federal funds rate.
  • 2. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program here and a list of program banks here. Please contact customerservice@thread.bank with questions on the sweep program.
  • 3.1. International payment services in the United States are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here. VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041.
  • 3.2. International payment and e-money services are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street, London E1 6FQ. The Currency Cloud Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). Please see Currencycloud's Terms of Use here.