Highrise Ecommerce + Opal

Highrise Ecommerce LLC specializes in delivering high-quality direct-to-consumer (D2C) products. Advertising is central to this work, so card limits can affect when the business has to move cash.

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The Challenge

As Highrise’s ad spend grew, their card limit could be reached before the end of a billing cycle. The team could keep campaigns running by paying down the balance mid-cycle, but that meant cash left the business earlier than planned. The card was beginning to behave more like a debit card than the credit tool Highrise needed.

The alternatives did not fully address the problem. Some providers assessed limits mainly against the cash held in a bank account. Others required more documentation or had tighter application requirements.

Key blockers:

• Reaching the card limit before the end of the billing cycle
• Moving cash early to keep advertising campaigns funded
• Limits based mainly on the balance in a bank account
• Application processes that required heavier documentation
• A preference for speaking with a person when questions came up

Highrise was looking for a card that fit the cash-flow demands of growing advertising spend.

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Finding Opal

The founder of Highrise, Eduardo, discovered Opal while researching cards for advertising spend. Highrise compared several providers and chose Opal because the application required fewer documents and the requirements felt less restrictive.

What mattered in the decision:

• A straightforward application and onboarding process
• A more flexible approach when additional card capacity was needed
• Direct access to a person for support

Once the account was open, Eduardo found the onboarding process smooth and could speak directly with Opal’s team when questions came up.

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Why Highrise chose Opal

Simpler application

The process required fewer documents and felt less restrictive than the other options Highrise reviewed.

More flexible capacity

Highrise wanted a provider that could consider the way their ad spend changes, rather than looking mainly at the cash in their bank account.

Human support

Eduardo preferred being able to reach a person instead of relying on an automated support agent.

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“If I have to pay the card down halfway into the month, it becomes a debit card. Opal lets me leverage that cash until the end of the cycle.”

– Eduardo, founder of Highrise

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Highrise chose Opal because the account setup, approach to card capacity, and direct support better matched how the business manages advertising spend. Those practical differences addressed the reasons Eduardo began looking for another provider in the first place.