Modern Bank, National Association

Modern Bank, National Association is a commercial bank specializing in middle-market lending, with a product set that includes C&I lending, commercial real estate financing, construction finance, equipment finance, term loans, and lines of credit. The bank appears particularly focused on cash flow lending for the lower end of the middle market, and also offers cash management solutions and digital banking tools. Testimonials on the bank's own website from private equity and investment firm contacts describe the C&I team as sophisticated and differentiated in its approach to middle-market cash flow lending. Specific eligibility requirements, geographic footprint, and pricing are not publicly disclosed, so prospective borrowers will need to engage Modern Bank directly to assess fit. The bank seems best suited for established middle-market businesses seeking a relationship-oriented commercial lender rather than a transactional online platform.