Overview
Why businesses consider TAB Bank
Bank-grade working capital with a genuine receivables specialty.
The short answer
TAB Bank is a real, FDIC-insured bank — certificate #34781, established October 1, 1998, headquartered in Ogden, Utah, with roughly $1.6 billion in total assets per FDIC data. Unlike most online business lenders, it is a depository bank whose lending specialty is turning unpaid B2B invoices into working capital: accounts-receivable financing, invoice factoring, and asset-based lending, alongside equipment financing, small-business term loans, a business line of credit, and full business banking. It is not a merchant cash advance company — its financing is priced with interest and fees, not factor rates.
| At a glance | Detail | Basis |
|---|---|---|
| Legal name | Transportation Alliance Bank, Inc. d/b/a TAB Bank | FDIC record |
| Charter & status | Utah state-chartered bank; active and FDIC-insured (Cert #34781) | FDIC record |
| Established / headquarters | October 1, 1998 · Ogden, Utah (branchless, online model) | FDIC record; tabbank.com |
| Total assets | ≈$1.6 billion | FDIC data, retrieved Aug 2026 |
| Lending specialty | AR financing, invoice factoring, asset-based lending, equipment finance (Class-8 trucks and trailers), term loans, line of credit, commercial real estate | tabbank.com |
| Published size points | Term loans $30,000–$300,000; line of credit up to $100,000; AR advances 60–90% of invoice value | tabbank.com (advertised) |
| Industries not served | Real estate, medical, insurance, merchant cash advance, construction (per published lending guidance) | tabbank.com |
The bottom line
Elite Funders assessment
TAB Bank is one of the more credible working-capital options for B2B businesses because it pairs a real receivables specialty with a bank charter. If your cash is trapped in 30–90 day invoices, its facilities are built for exactly that — at bank-style pricing rather than factor rates. It is not built for B2C businesses without invoices, for companies in its excluded industries, or for owners who need money this week with no paperwork.
B2B companies — manufacturers, distributors, staffing firms, wholesalers — with quality receivables, and trucking operators factoring loads or financing Class-8 equipment.
A deposit-funded bank balance sheet behind a receivables specialty: advertised AR advances of 60–90% of invoice value and more than 25 years in transportation lending.
Live Oak Bank for SBA-centric term debt; see our Live Oak vs Newtek vs Celtic Bank comparison.
Potentially strong fit
- You invoice other businesses on net-30 to net-90 terms and want that cash working sooner
- You run a trucking or freight operation — factoring loads or financing trucks and trailers
- You want lending and operating accounts at one FDIC-insured institution
- Your personal credit is imperfect but your customers pay reliably (TAB's factoring is underwritten on debtor strength)
Other options to compare
- Revenue is mostly card or consumer sales with no invoices — see revenue-based funding instead
- You need more than $100K revolving without an asset-based examination — compare working-capital alternatives
- You want SBA-guaranteed long terms — compare Celtic Bank or Live Oak
- You operate in an industry TAB excludes: real estate, medical, insurance, merchant cash advance, construction
Qualifications
Public guidance and approval considerations
The short answer
TAB Bank does not publish minimum credit-score, revenue, or time-in-business thresholds for most products. Its published guidance emphasizes the quality of your receivables and customers over your personal score: factoring carries "no personal credit requirement," and its term-loan page welcomes applicants "whether you have stellar credit or a score that needs some work." Expect underwriting depth typical of a bank, including field examination for asset-based facilities. Requirements vary by product and file — confirm on your term sheet.
| Topic | Published guidance | Basis |
|---|---|---|
| Personal credit | No minimum score published. Factoring: "no personal credit requirement" (advertised). Term loans: open to strong and recovering scores. | tabbank.com factoring & term-loan pages |
| Time in business | No minimum published; operating history is reviewed as one factor among several. | tabbank.com |
| Revenue | No threshold published. Receivables products are sized to your invoices and collateral rather than a revenue floor. | tabbank.com |
| Customer (debtor) quality | For AR, factoring, and asset-based facilities, your customers matter: debtors should be primarily US-based with reliable payment histories; invoice age and customer risk are reviewed. | tabbank.com AR & asset-based lending pages |
| Collateral & lien position | Receivables and business assets secure most facilities; TAB's broker guidance states it "requires first position on all assets of the borrower." Term loans are advertised "no collateral needed." | tabbank.com broker & term-loan pages |
| Industries | Not served per published guidance: real estate, medical, insurance, merchant cash advance, construction. Commonly served: manufacturing, transportation, staffing, wholesale trade. | tabbank.com broker page |
| Timeline | Advertised: working capital "as quick as 24 hours" after invoices are received and verified; same-day credit decisions on equipment. First-time facility setup follows fuller bank underwriting — no published timeline. | tabbank.com (advertised) |
Provider strengths
Why businesses choose TAB Bank
Chartered-bank economics
TAB lends from a deposit-funded, FDIC-supervised balance sheet and prices with interest and fees rather than factor rates. For businesses that qualify, bank facilities are generally a lower-cost structure than revenue-based advances — convert any quote to APR to compare honestly.
A real receivables specialty
AR financing with advertised advances of 60–90% of invoice value, outright invoice factoring, and asset-based lines that scale with your receivables, inventory, and equipment — this is the bank's core craft, not a side product.
More than 25 years in trucking
TAB states it has specialized in factoring for semi-truck, freight, and transportation companies for more than 25 years, and its equipment-finance program centers on Class-8 trucks and trailers — "whether you need to fund three or 300 semi-trucks."
Credit flexibility on receivables products
Because factoring is underwritten on your customers' payment strength, TAB advertises no personal credit requirement for it — a workable path for owners whose scores lag their business quality. Term-loan copy likewise welcomes imperfect credit.
Lending plus real business banking
Business checking (100 free debit/credit transactions per month advertised), savings, treasury services, and deposits sit alongside the credit products — one FDIC-insured institution for both sides of your balance sheet.
Advertised speed unusual for a bank
TAB advertises access to working capital in as little as 24 hours once invoices are received and verified, and same-day credit decisions on equipment financing. Initial facility setup still takes bank-level diligence; ongoing advances are where the speed shows.
Funding products
Published products and business uses
The short answer
TAB Bank publishes eight business-financing product lines: accounts-receivable financing, invoice factoring, a dedicated trucking and freight factoring program, asset-based lending, equipment financing, small-business term loans of $30,000 to $300,000, a business line of credit up to $100,000, and commercial real estate loans. The receivables products carry the clearest published terms; equipment and real-estate deals are quoted individually.
| Product | Advertised size / structure | Typical use |
|---|---|---|
| Accounts-receivable financing | Line secured by unpaid invoices; advances "generally vary from 60%–90%" of invoice value; funding "as quick as 24 hours" after verification | Bridging slow-paying B2B customers while keeping ownership of your receivables |
| Invoice factoring | Sale of invoices to the bank; "no personal credit requirement" advertised; serves wholesalers, distributors, manufacturers, importers, staffing, IT consulting, transportation | Steady cash conversion when you'd rather the funder lean on your customers' credit than yours |
| Trucking & freight factoring | Transportation-specific program; more than 25 years advertised specialty; working capital in as little as 24 hours after invoice verification | Owner-operators and fleets getting paid on delivered loads instead of waiting on shippers |
| Asset-based lending | Revolving line on receivables, inventory, and equipment; advance rates set by examination and appraisal; interest only on what you draw | Larger or scaling working-capital needs across mixed collateral |
| Equipment financing | Class-8 trucks and trailers focus; same-day credit decisions advertised; serves owner-operators through fleets | Buying or expanding a fleet — three trucks or three hundred |
| Small-business term loans | $30,000–$300,000; "no collateral needed" advertised; fixed project borrowing | Equipment, inventory, expansion projects with a defined price tag |
| Business line of credit | Up to $100,000 advertised; collateral "typically not required" | Smaller recurring working-capital swings and short-term gaps |
| Commercial real estate | Term and construction loans across multiple property types; quoted per deal | Property purchase, construction, or refinance (confirm current scope directly) |
How it works
A structured bank-funding process
Receivables facilities are relationships, not one-off transactions. Here is the shape of TAB's process as published, with bank-typical steps noted where TAB doesn't publish specifics.
Talk fit
A short call or online form points you to the right product — AR financing vs. factoring vs. asset-based vs. equipment. TAB's published business-lending line is (800) 355-3063.
Submit the package
Application plus bank-typical documentation: expect financials, AR aging, customer list, and bank statements for receivables facilities. (TAB publishes no fixed checklist; this is standard bank practice.)
Underwriting & verification
TAB reviews your customers' payment histories and invoice quality; asset-based facilities include a collateral examination and appraisal that set your advance rates.
Close & file
Facility agreement and lien filings. TAB's broker guidance states it requires first position on all borrower assets, so existing liens are paid off, subordinated, or released here.
Fund and revolve
Initial funding, then ongoing advances as you submit new invoices — advertised as quick as 24 hours once invoices are received and verified.
Provider details
Institution facts and industry focus
Institution record
- Legal name
- Transportation Alliance Bank, Inc.
- Trade name
- TAB Bank
- FDIC certificate
- #34781
- Established
- October 1, 1998
- Charter
- Utah state-chartered bank
- Headquarters
- Ogden, Utah (branchless)
- Total assets
- ≈$1.6B (FDIC, Aug 2026)
- Business-lending phone
- (800) 355-3063
Industry spotlight: built on trucking, extended to the B2B economy
TAB began as a bank for the transportation industry — the legal name is literally Transportation Alliance Bank — and states more than 25 years of factoring for semi-truck and freight companies, with Class-8 equipment finance to match.
Beyond trucking, its published broker guidance names manufacturing, staffing, and wholesale trade as common industries — B2B businesses that invoice on terms. Staffing firms weighing payroll-versus-receivables timing can also see our staffing agency funding guide.
Compare an offer
Bank facility vs. revenue-based advance: compare the full structure
The short answer
If your business invoices other businesses on terms, a receivables facility from a bank like TAB will usually cost less than a revenue-based advance — but it demands cleaner paperwork, first-position collateral, and more patience on initial setup. If your revenue is card-based consumer sales with no invoices, a bank receivables product has nothing to advance against, and revenue-based funding may be the realistic option. Convert every quote to APR and compare net proceeds before deciding.
| Dimension | Bank receivables facility (TAB-style) | Revenue-based / MCA-style advance |
|---|---|---|
| Pricing basis | Interest (APR) plus fees; advance rate against invoices | Factor rate — a fixed multiple of the amount advanced (convert to APR) |
| What secures it | Your receivables and business assets; first-position UCC filing per TAB's published guidance | UCC filing against future receivables is common; positions can stack |
| What underwriting weighs | Your customers' payment strength, invoice quality, financials | Recent revenue and daily bank deposits; speed over depth |
| How you repay | Interest on drawn balances; customer payments settle advances | Daily or weekly remittances — a holdback percentage or fixed debit |
| Speed | Initial setup takes bank-level diligence; ongoing advances advertised as quick as 24 hours after invoice verification | Often same-week from application to funding |
| Usually fits when | B2B invoices on net terms, margins worth protecting, time to set up properly | B2C or card-heavy revenue, urgent timeline, shorter-term need |
Offer-comparison checklist
Whatever you're quoted — by TAB Bank, another bank, or a revenue-based funder — put every offer through the same eight questions.
- Exact legal lender and product type: loan, line, factoring purchase, or lease
- Net proceeds after origination and administration fees — not the headline amount
- Total cost of capital in dollars, and the APR (convert factor rates first)
- Payment mechanics: what triggers remittances, and how often
- Advance rate and any reserve or holdback mechanics on receivables facilities
- Lien position requested — first-position UCC? — and any personal guarantee
- Early-payoff treatment and renewal terms, in writing
- What happens when a customer pays late: recourse, fees, reserve draws
Bank-loan payment estimator
Illustrative exampleEducational illustration only. Calculators do not represent a quote, approval, APR, or guaranteed term from TAB Bank or Elite Funders. TAB Bank does not publish loan APRs; the default rate here is a neutral placeholder you should replace with your actual quote.
Existing advance?
Carrying a merchant cash advance balance and considering a bank?
An outstanding revenue-based advance does not automatically disqualify you from bank financing — but it changes the conversation. TAB's published broker guidance states it "requires first position on all assets of the borrower" for its receivables facilities, so an existing funder's UCC filing typically must be paid off, subordinated, or released at closing. Budget for that payoff in your net-proceeds math.
One point of accuracy: TAB's published exclusion of the "merchant cash advance" industry refers to companies that operate as MCA funders — it is not a statement about merchants who have used an advance. If your goal is to consolidate advance balances into lower-cost structures, start with what the whole market will offer your file: our working capital guide covers the realistic paths, and one free marketplace request shows you options side by side.
FAQs
TAB Bank: what business owners ask
Yes. TAB Bank is the trade name of Transportation Alliance Bank, Inc., FDIC certificate #34781, a Utah-chartered bank established October 1, 1998 and headquartered in Ogden, Utah. FDIC data retrieved in August 2026 shows roughly $1.6 billion in total assets. Deposits are FDIC-insured up to applicable limits.
No. TAB Bank is a chartered bank, and its financing is structured as loans, credit lines, invoice factoring, and equipment finance priced with interest and fees — not as a purchase of future receivables at a factor rate. TAB's published guidance also states that it does not lend to businesses in the merchant cash advance industry itself.
TAB Bank does not publish a minimum credit score. Its factoring pages state there is no personal credit requirement because approval leans on your customers' payment strength, and its term-loan page invites applicants whether they have stellar credit or a score that needs some work. Expect your business financials and receivables quality to matter more than any single score. Confirm requirements on your own quote.
For receivables products, TAB advertises access to working capital in as little as 24 hours after invoices are received and verified, and same-day credit decisions on equipment financing. First-time facility setup — underwriting, examination for asset-based lines, and UCC filings — takes longer, as at any bank. Timing varies by product and file.
Published figures: small-business term loans of $30,000 to $300,000 and a business line of credit of up to $100,000. AR financing, invoice factoring, and asset-based facilities are sized to your receivables and collateral rather than a fixed cap, with advertised AR advances of 60–90% of invoice value. Equipment and commercial real estate amounts are quoted per deal.
Elite Funders is a business funding brokerage/marketplace that works with a network of funding partners. One funding request lets you compare structures — bank-style facilities alongside other products — on net proceeds and total cost. It costs $0 to apply, and applying does not obligate you to accept an offer. Going directly to TAB Bank makes sense if you already know a receivables or equipment facility is exactly what you want.
Official research record
Where these facts come from
Every institutional fact in this review traces to the FDIC or to TAB Bank's own published pages. Advertised figures are quoted as advertised — they are not offers, and they can change.
- FDIC BankFind institution record — Transportation Alliance Bank, Inc. d/b/a TAB Bank, Cert #34781 (certificate, charter, establishment date, HQ, assets) — banks.data.fdic.gov
- TAB Bank — homepage (positioning, product lineup, Member FDIC) — tabbank.com
- TAB Bank — About (founded 1998, online/branchless model) — tabbank.com/about
- TAB Bank — company history blog (Transportation Alliance Bank origin; Ogden as only location) — tabbank.com/resource-center
- TAB Bank — Accounts-receivable financing (60–90% advances; 24-hour advertised funding) — tabbank.com/accounts-receivable-financing
- TAB Bank — Invoice factoring (no personal credit requirement; industries served) — tabbank.com/factoring
- TAB Bank — Trucking invoice factoring (25+ years transportation specialty; 24-hour advertised access) — tabbank.com/trucking-invoice-factoring
- TAB Bank — Asset-based lending (exam-set advance rates; US-based debtors; excluded industries) — tabbank.com/asset-based-lending
- TAB Bank — Small-business term loans ($30K–$300K; no collateral needed advertised) — tabbank.com/smb-term-loans
- TAB Bank — Business line of credit (up to $100K advertised) — tabbank.com/business-line-of-credit
- TAB Bank — Equipment financing (Class-8 focus; same-day credit decisions advertised) — tabbank.com/equipment-financing
- TAB Bank — Broker partnership program (first-position requirement; excluded industries; 90-day recourse; common industries) — tabbank.com/broker-partnership-program
Next step
Compare funding options with one request
A bank facility is worth pricing — and it's worth pricing against the rest of the market. Elite Funders is a business funding brokerage/marketplace that works with a network of funding partners: one funding request, then compare structures on net proceeds and total cost. Programs across the network generally range from about $10K to $5M; availability varies by product and qualification.
Compare Funding Options — Free
This is an Elite Funders marketplace request, not an application to TAB Bank, and Elite Funders is not affiliated with or endorsed by TAB Bank. It costs $0 to apply, and applying does not obligate you to accept an offer.
Summary
TAB Bank at a glance
- InstitutionFDIC-insured bank, Cert #34781
- Founded / HQ1998 · Ogden, Utah
- Total assets≈$1.6B (FDIC, Aug 2026)
- SpecialtyAR financing · factoring · ABL
- Term loans$30K–$300K advertised
- Heritage25+ years trucking lending
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