We have opened a small angel round to bring on strategic angel and advisors. This investment will allow us to build on the momentum of our public beta launch, accelerate our roadmap, and fill key roles to scale the platform ahead of our public launch and Seed round in Q1 of next year. If you or anyone in your network might be interested, please let us know or feel free to forward our

company overview⁠

We are also looking for strategic advisors to help us refine our credit / lending strategy, with specific expertise in building and scaling operations, risk and compliance programs.

⁠

Company Overview

Feel free to forward this as you please!

⁠

Overview:⁠

⁠

Zack Babin⁠

(Fmr Head of Product @ Onward, PM @ Steady) and

Ben Gruber⁠

(Fmr Tech Lead @ Real Estate Big Data) founded

Modern⁠

and are on a mission to build the Financial OS for working-class Americans. Modern is backed by

25Madison⁠

and a team of industry advisors (xCOO of Marcus, CEO of Steady, BD @ Google Pay, Product @ Credit Sesame). Zack and Ben have hired a talented team (

Soulaimane Saadi⁠

Nicole Varela⁠

David Silberstein⁠

), demonstrated strong initial traction through a six-month, 500-user pilot program ($25 CAC, >$500/mo in bills, 1.44 viral coefficient), and launched their wedge product,

Modern Bill Protect⁠

(iOS and Android mobile app + debit card), into public beta. Modern is actively raising an angel round (up to $250k SAFE @ $5M post-money cap) to bring on strategic investors/advisors and accelerate their roadmap ahead of a Seed round in Q1.

Mission & Product:

Despite earning enough money to cover their essential bills, over 50% of Americans consistently struggle to pay on-time each month, leading to unnecessary stress, fees, and barriers to credit. This happens because their cash is spread across a complex, disconnected, and hidden network of banks, apps, and people, leaving them without the cash they need, when they need it most.

Modern is on a mission to build the Financial OS for hard-working Americans so they never miss another bill. Through an end-to-end bill pay platform, powered by Modern Bill Protect, Modern provides an intelligent card and instant access to affordable cash and support needed to pay bills on-time every month.

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