Forbright is a bank holding company that lends to middle-market businesses and operates a digital consumer deposit platform. The lending business provides senior-secured loans across specialized verticals, including healthcare, lender finance, real estate, fund finance, and corporate finance. Forbright targets shorter-duration, floating-rate assets to maintain balance sheet velocity and align with its variable-rate funding base. On the liability side, Forbright’s digital platform offers savings accounts and time deposits to retail consumers nationwide. This platform serves as a scalable funding source for its lending activities, which Forbright argues has lower unit economics than traditional branch networks. Forbright also earns fee income by managing BancAlliance, a network of community banks for which it sources and distributes loans, and by providing healthcare loan processing and solar loan servicing. The company’s business model relies on the spread between its commercial loan yields and deposit costs, supplemented by recurring non-interest income. Forbright's strategy focuses on scaling its core lending verticals, expanding its digital product suite to include checking services, and growing its fee-generating business lines. The company utilizes a cloud-native technology stack to facilitate growth and operational efficiency.