Transforming retail.
Unlocking growth.

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.