Bread Financial Holdings, Inc., headquartered in Columbus, Ohio, specializes in innovative payment and lending solutions across North America. The company offers a range of services including credit card financing, loans, risk management, and account origination primarily through private label and co-brand credit card programs. It also provides installment loans, split-pay products, and a suite of digital payment options through its Bread platform, enhancing the shopping experience with early credit payment options. Known for its Bread CashbackTM, Bread PayTM, and Bread SavingsTM products, Bread Financial focuses on delivering tech-forward financial solutions to consumers and businesses alike.