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.

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.

Integration Description

TAB Bank empowers modern FinTechs, software platforms, and commercial lenders with tailored Banking-as-a-Service (BaaS) infrastructure, business banking, and flexible credit sponsorship solutions.

Our strong compliance culture ensures our partnerships and the financial products we offer are developed, implemented, and operated safely. We manage programs with a constant focus on compliance, transparency, and risk management.

Core Capabilities & Programs

• Consumer Lending: Sub-36% APR programs, Point-of-Sale (POS), Buy Now, Pay Later (BNPL), closed-end loans, and revolving lines of credit (secured & unsecured).

• Commercial Lending: Business credit cards and commercial loans.

• Business Banking & Card Programs: Full business banking infrastructure, along with Visa and Mastercard® debit/prepaid card issuance.

• Compliance & Risk Management: Active risk mitigation controls, state/federal regulatory adherence, and thorough diligence reviews.

Current Partners

APPCARD, Cari, Edly, Lane Health, Mission Financial, Oliv, Stellar, and Sunbit.

Company Overview

• Website: www.tabbank.com

• Phone: (801) 624-5000

• FDIC Status: Member FDIC

Contact Information

Matthew Brunson

SVP, Strategic Partnerships

matthew.brunson@tabbank.com

Sean Farnsworth

VP, Strategic Partnerships Sales

sean.farnsworth@tabbank.com