tabb Aims to Transform the Global B2B Credit Market
- Building the infrastructure for frictionless B2B Trade credit
- Leading Hardware and Electrical Provider Doshi Joins tabb’s Trade Credit Network, Enabling SMEs to Purchase Stock on Extended Terms
tabb, a company founded by Mesh Alloys, a seasoned builder of market-transforming companies, who is also the co-founder and chairman of Boya, is positioned to unlock the global B2B credit market.
Mesh Alloys other than chairing Boya, a Y Combinator-backed company building an all-in-one finance and banking platform for businesses, he previously co-founded Sendy.
This will be achieved through the infrastructure tabb is creating for trade credit: a network that connects banks, suppliers, and small and mid-sized businesses (SMEs).
Through this foundational infrastructure, banks will be able to deploy capital efficiently, suppliers can receive instant payment, and SMEs gain access to working capital at scale.
Importantly tabb is therefore not a lender but rather a company that provides the standardized rails enabling banks to issue revolving credit lines to SMEs, credit that can be used instantly across a wide, growing network of suppliers.
tabb comes in at a moment that its apparent customer credit demand has exceeded supplier capacity. Its worth noting digital payment adoption, bank API openness, and post-pandemic SME digitization have created ripe conditions for embedded trade credit infrastructure.
Accordingly, tabb’s long-term vision is to enable seamless, instant access to lines of credit wherever businesses operate, focusing on creating the rails that will power the next generation of B2B commerce.
tabb’s infrastructure establishes a closed-loop system in which every participant benefits through simplified financial processes.
For example, SMEs apply once for a bank-issued revolving credit line, usable across all network suppliers. Upon purchase, the supplier receives payment the same day, while the SME repays the bank the full amount over 30–90 days, interest-free.
It is important to recognize that trade credit, the lifeblood of B2B commerce, remains a constrained and inefficient system, representing a three-sided market failure.
This is demonstrated by the following evidence:Banks struggle to serve SMEs profitably, facing high risk and customer acquisition costs.
In addition to suppliers being forced to act as unofficial lenders, extending credit at the expense of their own cash flow and balance sheets.
As well as SMEs finding it difficult to access timely, affordable working capital, which stifles growth and bulk purchasing power.
Initially launching in Africa, where the $350B+ SME financing gap is most acute and post-dated checks still dominate B2B commerce, tabb is demonstrating that supplier discount arbitrage, closed-loop payment rails, and network effects can fundamentally improve the economics of trade credit for all participants simultaneously.
The company is beginning with sectors that have acute working capital needs, such as construction hardware materials, logistics, pharmaceuticals, and retail.
