# Different businesses need different solutions.

# We cover them all.

### From pay over time options to private label and co-branded credit cards, we have more than 30 years of experience helping national brands and startups.

## Contact an expert

**Ah, the thrill of success!**

We're excited about working with you. An expert will be reaching out within one business day

### Trusted by these partners and more

### Because we deliver

- $27B in annual sales1
- 35.6M open unique customers2
- 1.5-3X increase in shopping trips3

### This is why we have

- 90% partner renewal rate4
- 33.8M cards with purchase balances5
- 1 in 7 U.S. adults with open accounts6

# A full suite of payment solutions

Our white-label financing and credit card products can be implemented individually or mixed and matched according to your business needs.

## Pay Over Time

Experience fully customizable options and fast implementation.

##### Installments

An intuitive platform that allows flexible payments online or in-store

##### Bread Pay® SplitPay

A fast and effective way to gain a competitive edge by targeting customers who want short-term financing

[Explore financing options](https://www.breadfinancial.com/en/business-solutions/pay-over-time.html "Go to financing options")

## Branded Credit Cards

Find out why 1 in 7 adults in the U.S. already has one of our credit cards.6

##### Private label

Financing, rewards and exclusive offers that increase sales and loyalty

##### Co-brand

All the benefits of our private label program paired with the flexibility of a traditional credit card

[Explore credit card options](https://www.breadfinancial.com/en/business-solutions/branded-credit-cards.html "Go to credit card options")

# Looking for a customized strategy?

[Contact an expert](https://www.breadfinancial.com/en/business-solutions.html#testid "Go to contact an expert form")

## Award-winning customer service

And this means that our customers — and our customers' customers — are always a priority.7

#### 20 years in a row

Center of Excellence

#### 2019 & 2020 Gold Stevie® Awards

Customer Service Training

Team of the Year

#### 6X Winner

NICE customer

experience award

## Success stories

### Michaels

Offering the most rewards ever for the store’s loyal cardholders

### Apt2B

Seizing the opportunity to make quality furniture more accessible

### New York Yankees

Rewarding loyal fans for their purchases with exclusive benefits

## Innovative Ideas and Industry Insights

We make it happen by envisioning and developing proprietary products and solutions.

Review our patents

1Annual sales source: 2024 Bread Financial Annual Report

2Number of open, unique customers source, as of Dec. 2024: internal Strategy Analytics

3Shopping trip range source, as of Sept. 2024: internal Portfolio Analytics

4Partner renewal rate source: internal 2025 Partner Data Management reporting.

5Number of credit card accounts with a purchase balance source, as of Dec. 2024: internal Strategy Analytics

6Statistic of U.S. adults with open accounts source, as of Dec. 2024: internal Strategy Analytics

7Center of Excellence Certified, [Benchmark Portal](https://www.benchmarkportal.com/contact-center-certification/benchmarkportal-certified-center-of-excellence/); Gold Stevie® Award winner, [The Stevie Awards](https://stevieawards.com/); Customer Experience Award winner, [NICE](https://www.nice.com/).