Founded in 1998, TAB Bank (Transportation Active Banking) is an FDIC-insured Utah Industrial Bank (ILC) with over two decades of expertise in commercial credit, supply chain finance, and asset-based lending. TAB Bank leverages its regulated charter and robust API framework to serve as a cornerstone Sponsor Bank for FinTech innovators, vertical SaaS providers, and commercial lending platforms.

By combining deep credit underwriting experience with flexible Banking-as-a-Service rails, TAB Bank enables non-bank platforms to deploy compliant, nationwide lending programs, B2B working capital solutions, and branded deposit accounts without building banking infrastructure from scratch.

• Federal Charter Access: Compliantly export interest rates nationwide and issue credit using TAB Bank's FDIC-insured Industrial Loan Company charter.

• B2B & Supply Chain Financing: Specialize in invoice factoring, working capital lines, equipment financing, and custom commercial lending setups.

• API-Driven Banking-as-a-Service: Embed commercial checking accounts, ACH payment rails, and debit programs directly into native software applications.

• Flexible Credit Sponsorship: Launch consumer or B2B origination models backed by TAB’s robust regulatory, BSA/AML, and compliance oversight.

• Direct LendAPI Integration: Connect TAB Bank's origination and deposit rails directly into your LendAPI Product Studio workflows for immediate, end-to-end automation.

Key Features

• Nationwide Credit Origination: Sponsor consumer and B2B credit programs across state lines through TAB’s chartered lending framework.

• Embedded Deposit Accounts: Offer FBO accounts, sub-ledgering, and branded commercial deposit accounts directly within your application interface.

• Payment Rails & Processing: Direct programmatic access to ACH, Fedwire, and debit card issuance infrastructure.

• Automated Compliance Architecture: Built-in regulatory oversight, including BSA/AML monitoring, KYC/KYB execution, and fair lending controls.

• Turnkey Origination Support: Seamlessly bridge front-end borrower applications with TAB’s backend funding capabilities.