Let us help you sell more and grow faster
with flexible pay-over-time solutions.

Attract More Customers

Sell more and grow faster with Bread’s full-funnel solution that gives your customers the ability to pre-qualify for financing and check out in seconds from anywhere on your website.
  • Full Funnel

    Engage customers long before they reach checkout by presenting financing options earlier in the shopping journey.
  • Real-Time Decision

    Pre-qualification is quick and easy. Let your customers learn about their purchase power in seconds without ever leaving your site.

Boost Your Conversions

Convert and close more customers by white-labeling our solution and offering personalization that matches your brand and your terms.
  • White Label

    We’re committed to enhancing your brand, not ours. Customize our tools to match the look and feel of your site.
  • Flexible Financing Options

    Offer terms and financing programs optimized for your products, your order values, and your customers.

Improve Marketing & Loyalty

Bread® is more than a financing solution. We are a data-driven marketing partner. Bread creates
actionable insights and gives you all the tools to deepen customer loyalty and improve customer lifetime value.
  • Actionable Data

    Make informed decisions on how to improve customer loyalty using detailed insights available on our platform.
  • Boost Marketing

    Improve your marketing reach by leveraging financing to drive conversion and improve ROI.
  • Drive Retargeting

    Take advantage of Bread’s robust APIs to reach abandoned shoppers and recover lost revenue.
  • Improve Loyalty

    Use Bread’s data to understand your most valuable segment and enhance customer loyalty programs to boost sales and AOV.

Case Studies

5X the Sales Means More Creators Can Get Crafty with The Original ScrapBox and Bread Financing

With Bread, Original ScrapBox was able to use targeted financing offers and create a seamless full-funnel experience to drive more sales and larger orders.

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YOLO Board Sees 17% Lift in AOV Since Launching with Bread

Adventure brand YOLO Board has completely transformed its business with Bread, seeing a 17% lift in AOV through financing.

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Wheelfire Takes Sales, AOV into Overdrive with Bread

Specialty auto company Wheelfire sees 2.9x growth in financed sales and 29% higher AOV with full-funnel marketing and customer engagement.

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EraGem Enhances Omnichannel Experiences After Switching to Bread

Bread’s white-labeling and seamless e-commerce, in-store integrations have been pivotal to jeweler EraGem's growth

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How Digital Storm Saw a 2.65x Increase in Loan Volume After Switching to Bread

Bread’s full funnel integration and flexible payment options lifts average order value and sales attributed to financing for technology retailer Digital Storm.

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Bread Financing Helped The RTA Store Increase Average Ticket Size by 130%

Learn how leading furniture retailer The RTA Store increased average ticket size by 130%

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How BBQ Guys Increased Conversions and Cart Size with Bread

Specialty retailer BBQ Guys partners with Bread to offer customers a way to finance their dream outdoor kitchens with low monthly payments.

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Get the answers to your questions
about e-commerce financing

Businesses choose Bread because our unique full-funnel, white-label approach consistently outperforms other solutions in terms of unlocking revenue and boosting AOV and customer lifetime value.

All of Bread’s financing solutions are designed to be simple and fair, and to treat your customers with dignity. Customers make equal monthly payments until their loan is repaid. Shoppers are reminded of their due date each month, and there is no penalty for early repayment.

With Bread, you are paid upfront in full, minus a merchant discount fee, within three (3) business days of requesting settlement. You do not take on the credit risk and fraud risk in most instances.

Yes, Bread has robust white label capabilities that have been proven to drive higher conversions for our partners. With Bread you can customize the placement, aesthetics, and branding of financing across your site, including the application experience.

Bread partners with great brands selling direct to consumers (not to businesses) across many industries, from home goods to auto parts to fine jewelry. Bread’s solutions focus on financing durable goods rather than services. We support online, phone, and in-store sales channels with best-in-class technology and an outstanding service organization. Contact a member of our team to see how Bread can help your organization.

Bread powers financing solutions
that increase sales for retailers.

The Bread® solution includes easy-to-understand financing options, flexible terms, and
all of the tools you need to let your customers pay over time. Contact us today to see
how Bread can help you attract, convert, and retain more customers.