Sponsored by Highbeam— the full banking and cash management platform built for consumer brands.

Highbeam automates treasury to generate maximum yield on idle cash (up to 4%), provides cash back cards, lines of credit, integrated bill pay, and AI- powered forecasting and workflows to save brands money and time.

Your Cash Should be Earning You Money

A few months ago, I spoke with a founder who had just raised $750K in funding. They proudly told me the cash was safely parked in their business checking account. When I asked how much interest they were earning, the answer was blunt: “None.”

That’s when it clicked for them—while they were busy planning production runs and negotiating retail terms, they were quietly losing out on thousands of dollars in potential income. And they’re not alone.

In today’s high-interest environment, letting your cash sit idle is more than just a missed opportunity—it’s a silent erosion of your runway.

Get a High Interest Bank Account

For years, I didn’t think much about earning interest. Rates were low, and the idea of cash “doing work” outside of operations felt like a luxury. But things have changed.

With interest rates over 4%, even modest reserves can generate meaningful returns:

• $100K sitting in a high-yield account = $4,000+ annually

   

• $250K? That’s over $10,000—enough to fund a brand photoshoot, hire a fractional marketer, or build inventory buffer

   

The problem? Most traditional business accounts offer little to no yield. My main business bank is one of the big 3, and while I love them, they don’t offer a high yield account built in. That’s why I now bank with Highbeam. 

Put Your Money to Work (Without Locking It Up)

The key to optimizing idle cash isn’t choosing between yield and access—you can (and should) have both.

Highbeam’s approach makes this simple. Their platform offers FDIC-insured, high-yield business accounts that automatically sweep unused funds into interest-earning deposits. What makes it founder-friendly is that you:

• Maintain full liquidity—funds stay accessible when you need them for production or marketing

   

• Earn real interest—daily, automatically, without needing to manage the process manually

   

• Avoid complexity—their system works behind the scenes, so you don’t have to act like a hedge fund manager

   

This type of setup helps founders build financial efficiency without sacrificing flexibility.

Build Your Idle Cash Strategy

If you want to stop leaving money on the table, here’s how to get started:

1. Audit your current cash position. How much cash typically sits unused for 30–90 days?

    

2. Calculate your opportunity cost. Use current interest rates to see how much you’re missing out on.

    

3. Move to a high-yield account. Highbeam’s business accounts are free and purpose-built for brands like yours.

    

4. Set it and monitor. Once your system is in place, review balances monthly to keep your strategy on track.

    

With little setup and no financial degree required, this might be the easiest win you’ll find all year.

Final Thoughts

Don’t let your hard-earned cash collect dust—or worse, depreciate. Interest income may not be flashy, but it’s real money that fuels growth.

Interested in putting your idle cash to work? We can introduce you to the team at Highbeam so you can start earning 4% yield on your cash. It’s one of the most practical upgrades you can make to your financial stack.