About Bread Financial
Bread Financial is a Financial Services company based in New York (United States) founded in 2017, and was acquired by Alliance Data in October 2020. Bread Financial is engaged in providing payment and financing solutions. It operates on a FinTech and Commission-Based model. Bread Financial has raised $186.11 million across 4 funding rounds from investors including Victory Park Capital Advisors, Alliance Data and Berkeley SkyDeck. Its website breadpayments.com draws about 396 thousand monthly visits. Bread Financial offers products and services including Buy Now, Pay Later, Branded Credit Cards, and Bread Payâ„¢ SplitPay. Its focus areas include Consumer Finance and Credit Cards and Lending. Its legal entity is Bread Financial Payments, Inc. Its competitors include Sunbit, Snap Finance and Uplift; 3 of its 3 listed competitors have raised funding.
Company details
Bread Financial is involved in offering a range of payment and financing solutions for businesses and consumers. Services are provided in sectors such as retail and e-commerce, with products including Buy Now, Pay Later options, branded credit cards, and installment plans. Customized strategies are developed to meet diverse business needs, supported by over 30 years of experience with national brands and startups. Innovative proprietary products are created, protected by numerous patents, to enhance customer engagement and loyalty.
- Headquarters New York, United States
- Stage Acquired
- SectorsFinancial Services
- Website category Finance · Banking Credit and Lending
- Email••••••••
- Phone•••• ••••
- Website breadpayments.com
- Social LinkedIn X Facebook Instagram YouTube
- Acquired by Alliance Data (Oct 2020)
- Legal Name Bread Financial Payments, Inc.
- Total Equity Funding$186.11M (USD)
in 4 rounds
- Latest Funding Round$105K (USD), Seed
Jun 2021
- InvestorsVictory Park Capital Advisors
& 4 more
- Acquired byAlliance Data
(Oct 2020)
Products & Services of Bread Financial
Bread Financial offers a comprehensive portfolio of products and services, including Buy Now, Pay Later, Branded Credit Cards, and Bread Pay™ SplitPay.
Customizable financing options are provided for flexible payments.
Credit cards are offered with rewards and exclusivity.
Short-term financing solutions are delivered for competitive advantage.
Apps and channels of Bread Financial
its YouTube channel Bread Financial has 7.35K subscribers and 30 videos.
Videos from Bread Financial
The most watched videos on Bread Financial's YouTube channel, Bread Financial (7.35K subscribers). Click a video to play it here.
More on Bread Financial.
Funding Insights of Bread Financial
Bread Financial has successfully raised a total of $186.11M across 4 strategic funding rounds. The most recent funding activity was a Seed round of $105 thousand completed in June 2021. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
- Total Funding $186.11M
- Total Rounds 4
- Last Round Seed — $105,000
- First Round $126M
(Aug 2017)
- Investors Count 4
All 4 funding rounds of Bread Financial with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Jun 2021 | $105,000 | Seed | – | Berkeley SkyDeck | – |
| Sep 2018 | $60M | Series C | – | – | |
| Aug 2017 | $126M | Series B | – | – | |
| Aug 2017 | Debt – Conventional | – | – |
5 investors in total: 5 institutional.
Investors in Bread Financial
Bread Financial has secured backing from 5 investors, including venture fund and institutional investors. Prominent investors backing the company include Victory Park Capital Advisors, Alliance Data and Berkeley SkyDeck.
| Investor | Description | Founded Year | Domain | Location |
|---|---|---|---|---|
Startups are accelerated and incubated across diverse industries. | 2012 | skydeck.berkeley.edu | Berkeley, United States | |
Venture capital investments are directed toward multiple sectors by Kinnevik. | 1936 | kinnevik.com | Stockholm, Sweden | |
Early-stage venture capital firm investing in AI, healthcare, and tech sectors. | menlovc.com | |||
Blank check and private debt firm focused on multiple sectors | 2007 | victoryparkcapital.com | Chicago, United States | |
Data-driven marketing, loyalty, and credit solutions are provided. | 1996 | alliancedata.com | Plano, United States |
Investor details for Bread Financial
The complete investor list, round-by-round participation and investor portfolios require an active premium plan.
- Complete investor list
- Round participation
- Investor portfolios
- Co-investor network
Verified entity values are shown only after access is granted.
People of Bread Financial
37 people are tracked at Bread Financial (15 in leadership, 22 in team).
| Name | Role | Group |
|---|---|---|
Jeffrey Hammonds | VP, Diversity, Equity, Inclusion & Belonging | Leadership |
Glen Segrato | Senior Director, Managing Counsel & Corporate Secretary | Leadership |
Ralph Andretta | President & CEO | Leadership |
Chris Lauderback | Vice President, Customer Care | Leadership |
Tammy McConnaughey | EVP, Chief Credit Risk & Operations Officer | Leadership |
Mike Boghosian | SVP, Chief Data Officer | Leadership |
Robert Esque | SVP & Chief Risk Officer | Leadership |
Perry Beberman | EVP & CFO | Leadership |
Allegra Driscoll | EVP & CTO | Leadership |
Valerie Greer | EVP & Chief Commercial Officer | Leadership |
Brandy Sullivan | SVP & Chief People & Culture Officer | Leadership |
Baron Schlachter | SVP, Card Services & President, Comenity Bank | Leadership |
Nuria McClure | Director Of Operations | Leadership |
Mike Arnold | Director - Data Enablement | Leadership |
Lisa McCallum Basch | General Manager | Leadership |
Janie Chatterton | Sr. Project Manager | Team |
Taryn Dickens | Lead Financial Strategy Analyst | Team |
Mark Motz | IT Manager | Team |
Nathan L. Hickey | Financial Planning And Analysis Senior Manager | Team |
Sheldon L. Campbell Jr | Sr. Infrastructure Technician | Team |
17 more people are available in the full profile.
Complete people profiles for Bread Financial
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
- Full employee list
- Team structure
- Board tenure
- Professional contacts
Verified entity values are shown only after access is granted.
Timeline of Bread Financial
4 dated milestones of Bread Financial across 4 years, from founding to its latest funding, stage changes and deals.
- Founded Bread Financial is founded.
- Funding First funding round of $126.0M.
- Exit Acquired by Alliance Data.
- Funding Latest funding round, Seed, of $105K.
Competitors of Bread Financial
Bread Financial has 3 listed competitors in our database, 3 of them funded. They include Sunbit, Snap Finance and Uplift.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| sunbit.com | 2016 | Los Angeles, United States | $158.63M | 128 | Point-of-sale financing is facilitated via an online platform for retailers. | |
| snapfinance.com | 2012 | Salt Lake, United States | $30.09M | 621 | Merchandise financing is offered through partner stores. | |
| uplift.com | 2014 | Sunnyvale, United States | $146.2M | 119 | Point-of-sale financing for travel bookings is offered by Uplift. |
Detailed competitors of Bread Financial
The full competitor set, operating metrics and side-by-side benchmarks require an active premium plan.
- Full competitor set
- Operating metrics
- Benchmarks
- Competitive positioning
Verified entity values are shown only after access is granted.
Web traffic of Bread Financial
The website of Bread Financial (breadpayments.com) receives about 396.5K visits a month and ranks #112,445 among all websites worldwide, #7,060 in Banking Credit and Lending.
- Monthly visits396.5K
▲ 9.7% vs previous month
- Unique visitors192.3K
per month
- Global rank#112,445
among all websites
- Category rank#7,060
Finance · Banking Credit and Lending
- Bounce rate32%
- Pages per visit3.8
- Average visit2 min 23 sec
- DevicesDesktop 23% · Mobile 77%
Websites whose visitors overlap most with Bread Financial. Affinity shows how closely the audiences match.
| Website | Domain | Audience affinity | Monthly visits | Global rank | Profile |
|---|---|---|---|---|---|
| breadfinancial.com | 100% | 1.6M | #31,305 | View details | |
| synchrony.com | 84% | 41.4M | #874 | View details | |
| capitalone.com | 79% | 148.4M | #178 | View details | |
| chase.com | 78% | 198.6M | #125 | View details | |
| wellsfargo.com | 77% | 104.9M | #241 | View details | |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
All 18 similar websites and full traffic analytics for Bread Financial
The complete similar-websites list, audience overlap and engagement analytics require an active premium plan.
- 18 similar websites
- Audience overlap
- Engagement analytics
- Traffic by brand
Verified entity values are shown only after access is granted.
Top companies in Alternative Lending
3 companies that operate in the same segment as Bread Financial (Alternative Lending) in United States, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Diversified loans are provided via an AI-enabled online marketplace. | 2012 | Palo Alto, California, United States | USD 128.65 M | USD 1.04 B | 1,190 | |
Various consumer loans and financial services are offered online. | 2011 | San Francisco, California, United States | USD 3.04 B | USD 4.77 B | 6,843 | |
Credit score checking and comparison platform for financial products | 2007 | San Francisco, California, United States | USD 869.77 M | 1,487 |
Unlock complete access to The Company Check
Get unrestricted viewing across everything we track — from companies and brands to investors, funding rounds, acquisitions, financials, and more.
- Unlimited viewing on all profiles Companies, investors, financials, funding, acquisitions & directors
- Full access to every database India & global coverage, advanced filters and rich profile details
- Always-on access from your team account Single premium plan for everything you see on the portal
Related news about Bread Financial
Complete news archive for Bread Financial
Full article history, source details, and older brand coverage require an active premium plan.
- Full article archive
- Source and publication date
- Older coverage
- Brand-specific news history
Verified entity values are shown only after access is granted.
Frequently Asked Questions about Bread Financial
Bread Financial was founded in 2017.
Bread Financial is headquartered in New York, United States. It is registered at New York, New York, United States.
Bread Financial is a funded company, having raised a total of $186.11M across 4 funding rounds to date. The company's 1st funding round was a Series B of $126M, raised on Aug 2017.
Bread Financial is involved in offering a range of payment and financing solutions for businesses and consumers. Services are provided in sectors such as retail and e-commerce, with products including Buy Now, Pay Later options, branded credit cards, and installment plans. Customized strategies are developed to meet diverse business needs, supported by over 30 years of experience with national brands and startups. Innovative proprietary products are created, protected by numerous patents, to enhance customer engagement and loyalty.
Bread Financial's top competitors include Sunbit, Snap Finance and Uplift.
Bread Financial offers Buy Now, Pay Later, Branded Credit Cards, and Bread Payâ„¢ SplitPay.
Bread Financial has 5 investors. Key investors include Victory Park Capital Advisors, Alliance Data, Berkeley SkyDeck, Kinnevik, and Menlo Ventures.
Bread Financial operates through Bread Financial Payments, Inc..
Yes. Bread Financial was acquired by Alliance Data in October 2020.
The website of Bread Financial receives about 396 thousand visits a month and ranks #112,445 among all websites worldwide.