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Middle Market Banking

Banking for Companies Navigating
Growth, Complexity and Change.

As companies grow, manage complexity, and navigate change, financial decisions become increasingly interconnected.
City National Bank works with middle market companies to understand their financial operating environment and
bring together the banking capabilities to support their objectives.

Liquidity & Financial Operations
Supporting visibility, control, efficiency, and risk management across
daily financial operations.

  • Treasury management
  • Deposits and liquidity solutions
  • Receivables
  • Payables
  • Commercial cards
  • Fraud mitigation
  • Payments and cash management

Capital & Credit
Supporting growth, working capital needs, acquisitions, equipment investment, and balance sheet flexibility.

  • Revolving credit facilities
  • Term loans
  • Asset-based financing
  • Equipment leasing1
  • Commercial real estate financing
  • Interest rate risk management2

Strategic & Transactional Support
Helping leadership teams navigate important business transitions and financial decisions.

  • Acquisition financing
  • Ownership transition planning
  • Foreign exchange2
  • Leadership and organizational transitions
  • Capital planning

Industries We Serve

City National Bank works with leadership teams across a range of middle market industries. While every business is different, many companies face similar priorities around liquidity, capital, treasury, and financial operations. Our middle market clients include:

Every industry has its own opportunities and challenges, but leadership teams often face many of the same financial decisions. Our industry experience helps us understand the context behind those decisions and bring together the banking capabilities that best support each client’s objectives.

Understanding the Financial Operating Environment

As businesses evolve, financial decisions become increasingly connected. Liquidity, capital, treasury and financial operations influence one another, making it important to understand the broader context in which those decisions are made. When banking strategies evolve alongside the business, leadership teams are better positioned to manage risk, deploy capital effectively and support long-term objectives.

How We Work

Every business is different. We take the time to understand how your company operates before making recommendations. We work with leadership teams to:

  • Understand the operating environment
  • Assess liquidity and financial operations
  • Evaluate capital structure and flexibility
  • Identify strategic opportunities and risks
  • Coordinate the right banking resources to support your objectives

When We Commonly Engage
Middle market companies often reach points where their banking needs become more complex. These are some of the situations where leadership teams often seek a broader banking perspective:

Managing Liquidity Across Multiple Entities

Supporting companies managing cash across multiple entities, accounts, or geographies to improve visibility
and treasury coordination.
 

Preparing for Acquisitions, Expansion,
or Ownership Transitions

Helping leadership teams prepare for the banking and financial decisions that often accompany growth, acquisitions, and ownership transitions.

Treasury Operations Growing More Complex

Addressing fragmentation or inefficiencies in financial processes that arise as businesses grow, restoring oversight and operational cohesion.
 

Leadership and CFO Transitions

Changes in financial leadership often create opportunities to reassess banking relationships, treasury infrastructure, reporting processes, and capital strategies.
 

Evolving Banking Relationship

As businesses evolve, banking needs often expand across liquidity, treasury, lending and other financial priorities.
 

Let’s start a conversation.

Let’s start with a conversation about your business. We’ll connect you with a Middle Market Banking team that can help evaluate your priorities and explore the banking solutions that best fit your needs.

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Thanks For Getting In Touch!

A bank representative will be reaching out to you shortly. In the meantime, check out our latest news and insights.

Insights for Middle Market Leaders

We share practical perspectives to help leadership teams think more clearly about liquidity, capital, and risk as organizations evolve. Topics include liquidity structure, treasury complexity, balance sheet readiness, and financial
governance as scale increases.

BROWSE MORE

City National Bank, its affiliates and subsidiaries, as matter of policy, does not give tax, accounting, regulatory or legal advice. Rules in the areas of law, tax, and accounting are subject to change and open to varying interpretation. You should consult with your other advisors on the tax, accounting and legal implications of actions you may take based on any strategies presented taking into account your own particular circumstances.

Terms and Conditions Apply.

All loans, lines of credit and other credit products are subject to credit approval. Additional terms and conditions apply.

1 Equipment financing and leasing are offered by First American Equipment Finance, a subsidiary of City National Bank, and are subject to credit approval by, and documentation acceptable to, First American Equipment Finance. CFL# 6035014 For California clients: Loans made or arranged pursuant to a California Finance Lenders Law license.

2 The products and services described herein are subject to documentation, review, suitability assessment, and approval processes. Not all applicants may qualify, and approval is not guaranteed. Terms and conditions apply.