It has been proposed that the superficial tangential zone (STZ) of articular cartilage is essential to the tissue's load-distributing function. However, the exact mechanism by which the STZ fulfills this function has not yet been revealed. Using a channel-indentation experiment, it was recently shown that compared to intact tissue, cartilage without STZ behaves slightly stiffer and deforms significantly different in regions adjacent to mechanically compressed areas (Bevill et al. in Osteoarthr Cartil 18:1310-1318, 2010). We aim to further explore the role of STZ in the load-transfer mechanism of AC by thorough biomechanical analysis of these experiments. Using our previously validated fibril-reinforced swelling model of articular cartilage, which accounts for the depth-dependent collagen structure and biochemical composition of articular cartilage, we simulated the above-mentioned channel-indenter compression experiments for both intact and STZ-removed cartilage. First, we show that the composition of the deep zone in cartilage is most effective in carrying cartilage compression, which explains the apparent tissue stiffening after STZ removal. Second, we show that tangential fibrils in the STZ are responsible for transferring compressive loads from directly loaded regions to adjacent tissue. Cartilage with an intact STZ has superior load-bearing properties compared to cartilage in which the STZ is compromised, because the STZ is able to recruit a larger area of deep zone cartilage to carry compressive loads.