Merchants work with Bread for four reasons: One, you have control of branding and UX. With Bread, you can white label and control the messaging and aesthetics of the financing program.  Two, we provide merchants unparalleled flexibility & customization — loan terms, loan programs, design, and integration — our tools can be tailored to your needs.  Three, several financing options to your customers, including term loans that are longer than what most of our peers offer, so your customer can pick what works best for their budget.  Four, we strive to offer best in class service to both our merchant partners and your customers.

We have had considerable success with a variety of merchants across many  verticals. We tend to work best with merchants with an AOV higher than $250 or who sell high-ticket durable goods or services.

We enable checkout anywhere along the shopping path!  And we can work with you to tailor a custom program to meet your existing customer behavior.

We have tools to convert customers over the phone, via marketing channels and email.

All financing options available through Bread work the same way: the customer makes a payment every month starting 1 month after you collect payment from Bread. We charge a flat late fee, but there is no deferred interest, no tricks, or surprises.

Upon settlement, Bread notifies the customer that their loan has started and their first payment is due in ~30 days. At the end of the term, your customer’s obligation is complete.

You get paid upfront in full, less the merchant discount, within three (3) business days of requesting settlement. Bread takes on the credit and fraud risk. That being said, we expect our merchants to treat orders with Bread in the same fashion as orders with any other payment method.

You control how and where financing is communicated on your site. In terms of look and feel, can control the fonts, headlines and colors within the pre-qualification and checkout flow.