Bread

Bread builds powerful financing APIs. Our mission is to turn purchase finance into a dignified, fast, and transparent experience for consumers and merchants. Clear terms. Fair rates. No hidden fees.

  • Founded 2014
  • 16-50 Employees
  • 6-15 Engineers
  • Finance/Insurance

About Bread

Bread is bringing dignity to consumer financing.

Getting a personal loan is a difficult process to navigate. The process is full of paperwork, fine print, and time waiting; and the outcome of the process isn’t guaranteed. Often, successfully obtaining a loan is then followed by impersonal communication, hidden fees, and unexpected interest charges. This isn’t how people are supposed to be treated. Bread is bringing dignity to consumer financing.

We developed a technology that integrates with the websites of e-commerce merchants to provide clear, transparent, and fair rates to consumers in just seconds, and then maintain that level of clarity, transparency, fairness, and speed of communication to our loan-holding members.

This B-2-B-2-C model aligns our goals with our merchant partners goals with the goals of the consumer.

E-commerce merchants love Bread because we help lift the number and size of their online sales through our core product. Further, we support their marketing efforts to strengthen their financing programs. Consumers love Bread because we allow them to pay for the things they need over time, without feeling like they’re about to get tricked.

Why You Should Join Us:

We are a technology startup that operates in financial services, and our culture reflects the confluence of these industries:

We dress casually, have an open office space with communal areas and exposed brick. We have snacks on our shelves, get team lunch catered each week, and wear casual dress. We get our hands dirty while operating and growing our business, and we are perpetually testing, iterating, problem-solving, learning, and changing.

We’re also experienced, mature, and professional. We listen to the data and engage in dialogue to reach the best resolution. We operate in a highly regulated environment so we are intentional with how we develop our product. We offer health, dental, and vision insurance, as well as a 401k and reduced rates for gyms and other lifestyle activities.

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Tech Stack
  • Go
  • Javascript
  • React
  • RabbitMQ
  • Redis
  • PostgreSQL
  • EC2
  • AWS

Perks
  • Friday team lunch out with the whole company
  • Curated snacks
  • NoHo loft workspace
  • Top-of-the-line workstations
  • Smart and approachable coworkers
  • Early stage equity

Benefits
  • Medical, Dental, & Vision Insurance Medical, Dental, & Vision Insurance
  • Retirement/401K Plan Retirement/401K Plan
  • Life & Disability Coverage Life & Disability Coverage
  • Catered lunch Catered lunch

Investors
  • Bessemer
  • RRE
  • Greycroft
  • Maveron
  • Red Swan
  • Box Group
  • Cue Ball
  • Montage


Investors
  • Bessemer
  • RRE
  • Greycroft
  • Maveron
  • Red Swan
  • Box Group
  • Cue Ball
  • Montage