Fintech Partners

A strategic partner to trust
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Innovative products and services
To best meet the needs of your brand and customers.
Flexibility and customization
We're a principal member of Mastercard®, Visa® and Discover®.
Wide-ranging impact
Our partners span many sizes and industries.
Proven compliance program
Helps mitigate risk and optimize performance.
Well-known and respected
We have more than 15 years of experience in the Banking-as-a-Service industry and nearly 9 million general use and private label accounts nationwide.

You bring the brand, we’ll bring the access 

Through strong partnerships, we help fintechs deliver essential credit and deposit products to sub-prime, near-prime and prime consumers. From start-up programs to the conversion of existing programs, you can count on us to develop innovative products and services to best meet the needs of your brand and customers. We provide the channel to help drive growth, while managing risk and regulatory oversight.

Our solutions

We will get to know your business and goals, working together to build programs that are effective and compliant with all the rules and regulations. As a principal member of Mastercard®, Visa®, and Discover®, we offer flexibility.

  • General use credit cards
  • Private label credit cards and store accounts, including second-look and waterfall programs
  • Installment loans
  • Deposit products

Our partners span many sizes and industries, giving us the experience to build tailored solutions together. In private label and installment loans in particular, we’re experienced in furniture, home improvement, medical, jewelry, electronic, auto and fitness to name a few.

Have a program idea that falls outside of our existing solutions? Let’s chat about it! We have a foundation in place that allows us to explore new opportunities.

Experience you can count on

Nearly 8 million general use and private label accounts nationwide
More than 15 years of experience in the credit industry
Over 130 years of successful community banking
The resources of a $4B asset community bank

Focused on security and financial well-being

Your success and your customers’ well-being are at the core of our approach. Our effective and proven compliance program helps mitigate risk, optimize performance and ensure each program is operated in a safe and sound manner. A strong risk management framework with ongoing third-party oversight guides every step.

Focused financial wellness programs and custom-fit banking services help your customers build financial confidence.

Ready to explore a partnership?

It starts with a conversation where we get to know your company and your goals. We’ll also share what kind of structure a company needs in place to ensure a successful partnership.

Our brand partners have:

  • Strong management quality and integrity
  • Established operations that are financially healthy and viable
  • Disciplined internal controls and audits
  • Sound compliance management
  • Robust and compliant customer support solution designed to meet the needs of each customer
  • Strong information security programs

At tbom®, we know a better life begins with a strong financial future. Strong business partnerships are a major step toward that future. We’re here to help our strategic partners and customers Live well, Bank well.

Scale strategically with the right partner
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Mastercard is a registered trademark of Mastercard International Incorporated. Visa is a registered trademark of Visa International Incorporated. Discover Network and the Discover Acceptance Mark are service marks used by The Bank of Missouri under license from DFS Services LLC.

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