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Bread's Overview

Total employees435
HeadquartersColumbus
Founded

Bread Payments, originally founded as 'Bread' in 2014, is a technology-driven platform specializing in buy now, pay later (BNPL) and point-of-sale (POS) financing solutions. In 2020, Bread was acquired by Alliance Data, which subsequently rebranded to Bread Financial Holdings, Inc. in 2022. Today, Bread Payments operates as a core product suite within Bread Financial, enabling e-commerce merchants and brick-and-mortar retailers to offer their customers flexible, transparent payment options. These solutions help businesses increase conversion rates, average order values, and customer engagement by providing consumers with the ability to pay for purchases over time through clear, manageable installment plans. Bread Payments is known for its white-label capabilities, allowing merchants to integrate the financing experience seamlessly under their own brand.

Where is Bread's Headquarters?

HQ Function

Serves as the corporate headquarters for Bread Financial, overseeing strategy, technology development (including the Bread platform), operations, marketing, and risk management for all its financial products.

Notable Features:

A modern corporate campus designed to support a large financial technology organization, likely featuring collaborative workspaces and advanced technological infrastructure.

Work Culture:

The work culture at Bread Financial emphasizes innovation in financial technology, customer-centricity, data-driven insights, and responsible practices. It fosters collaboration and professional development within a dynamic industry.

HQ Significance:

The Columbus headquarters is central to Bread Financial's operations and its ability to drive innovation in the payments and lending space, including the ongoing evolution and support of the Bread Payments platform.

Values Reflected in HQ: The headquarters likely reflects Bread Financial's core values such as innovation, customer focus, integrity, and teamwork through its design, operational processes, and employee engagement initiatives.

Location:

As part of Bread Financial, Bread Payments primarily serves the U.S. market, offering its BNPL and POS financing solutions to U.S.-based merchants and consumers. While direct consumer-facing international operations for Bread Payments are not the current focus, Bread Financial may utilize global talent and resources for technology development, operational support, and customer service functions to enhance its U.S. offerings. The digital nature of its services allows for broad accessibility within its target market.

Street Address:

3075 Loyalty Way

City:

Columbus

State/Province:

Ohio

Country:

USA

Bread's Global Presence

New York, NY/USA

Address: While specific 'Bread Payments' team addresses are integrated within Bread Financial's broader office network, New York City, the original home of Bread, remains a key operational and talent hub.

Serves as an important center for innovation and market engagement for Bread payment solutions, building on its legacy as Bread's founding city and a global financial center.

Buying Intent Signals for Bread

Highperformr Signals uncover buying intent and give you clear insights to target the right accounts at the right time — helping your sales, marketing, and GTM teams close more deals, faster.

Notable news
Hiring actively
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
*Example signal, not calculated in real time

Executive Team of Bread

As of April 2025, Bread' leadership includes:

Ralph Andretta - President and Chief Executive Officer, Bread Financial
Perry Beberman - Executive Vice President and Chief Financial Officer, Bread Financial
Valerie Greer - Executive Vice President and Chief Commercial Officer, Bread Financial
Ashish Gupta - Executive Vice President, Chief Technology and Digital Officer, Bread Financial

Investors of Bread

Bread has been backed by several prominent investors over the years, including:

Menlo Ventures
Bessemer Venture Partners
Kinnevik AB
RRE Ventures
TMV
FJ Labs

Executive New Hires/Exits in the Last 12 Months

Hire1
Exits0

Bread Financial's C-suite executive team has shown stability over the past year. Key personnel developments have included strategic appointments at the Senior Vice President level and enhancements to board governance to support the company's growth and strategic objectives.

New Appointments:

Allegra Driscoll, Allegra Driscoll was appointed as Senior Vice President, Head of Investor Relations, to lead Bread Financial's engagement with the investment community and articulate its financial strategy.

Technology (Tech Stack) used by Bread

Discover the tools Bread uses. Highperformr reveals the technologies powering your target accounts — helping your sales, marketing, and GTM teams prioritize smarter and close faster.

Bread Email Formats and Examples

Employees of Bread Financial, which operates the Bread Payments platform, typically use standardized corporate email addresses. The most common formats are based on employee names followed by the '@breadfinancial.com' domain.

The most common email format is [first].[last]@breadfinancial.com. Another frequently used format is [first_initial][last]@breadfinancial.com.

Format

jane.doe@breadfinancial.com

Example

85%

Success rate

News and media

Bread Financial Investor RelationsApril 25, 2024

Bread Financial Reports First Quarter 2024 Results Highlighting Growth and Credit Normalization

Bread Financial announced its Q1 2024 financial results, indicating growth in credit sales and receivables while navigating credit normalization. The company underscored its dedication to prudent risk management and strategic investments....more

Bread Financial Investor RelationsMay 15, 2024

Bread Financial Board Declares Quarterly Dividend on Common Stock

Bread Financial's Board of Directors declared a quarterly cash dividend of $0.21 per share on its common stock, payable in June 2024. This action reflects the company's ongoing commitment to delivering shareholder value....more

PR NewswireMarch 12, 2024

Bread Financial and Dell Technologies Announce Multi-Year Renewal of Long-Standing Consumer Financing Partnership

Bread Financial and Dell Technologies renewed their partnership for Dell's consumer financing program, Dell Pay, which provides flexible payment options for Dell.com customers in the U.S., reinforcing Bread Financial's role in enabling consumer credit....more

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