WELCOME TO THE NEW ECONOMY

Responsible markets. Better analysis.

THAT'S FINTECH INNOVATION.

WELCOME TO THE NEW ECONOMY

NEWSROOM

NEWSROOM

POWER TO THE PEOPLE

Welcome to a brand that connects consumers with smarter finance, one decision at a time.

THE CREDIT MARKET IS BROKEN

So we're creating a better model.

the-bristlecone-lending-model

THE CREDIT MARKET IS BROKEN

So we're creating a better model.

Life is complex.

So why shouldn't your credit score be too?

Better practices. Smarter lending.

Because you're more than just a credit score.

Life is complex.

So why shouldn't your credit score be too?

Better practices. Smarter lending.

Because you're more than just a credit score.

REAL ANALYSIS. POWERFUL INNOVATION.

It's what we do.

Bristlecone Holdings was started with one goal: Develop powerful technologies to create a responsible financial marketplace for consumers, lenders and the world.

REAL ANALYSIS. POWERFUL INNOVATION.

It's what we do.

Bristlecone Holdings was started with one goal: Develop powerful technologies to create a responsible financial marketplace for consumers, lenders and the world.

NEW CULTURE. BETTER VALUES.

NEW CULTURE. BETTER VALUES.

EMPOWER

INNOVATE

SERVE

PERSONALIZED TERMS. ACCURATE RISK.

Our advanced consumer profiles match buyers with custom products, delivering the right markets at the right time.

PERSONALIZED TERMS. ACCURATE RISK.

Our advanced consumer profiles match buyers with custom products, delivering the right markets at the right time.

Your customer care is so helpful and patient and appreciated. We love using OneRoad!

Sound Doctor 911, California

Bristlecone Holdings
2016-11-22T18:13:27+00:00

Sound Doctor 911, California

Your customer care is so helpful and patient and appreciated. We love using OneRoad!
Honestly I believe Wags is the best for me and my business.

The Puppy Store, Florida

Bristlecone Holdings
2016-11-22T18:11:53+00:00

The Puppy Store, Florida

Honestly I believe Wags is the best for me and my business.
Whenver I interact with with the Wags team they are very helpful. It is awesome to feel someone is going to be there to help us when in need.

Exotic Tropical Pet World, New Jersey

Bristlecone Holdings
2016-11-22T18:07:45+00:00

Exotic Tropical Pet World, New Jersey

Whenver I interact with with the Wags team they are very helpful. It is awesome to feel someone is going to be there to help us when in need.
Hey thanks for always checking up on us! Ya'll are awesome! You're our favorite finance company.

Clay Road Furniture, Illinois

Bristlecone Holdings
2016-11-22T18:13:54+00:00

Clay Road Furniture, Illinois

Hey thanks for always checking up on us! Ya'll are awesome! You're our favorite finance company.
Thank You so much. Wags has been such a blessing to my company. With all of the changes Wags has had while growing, I never felt any growing pains. Everything you have done to grow has allowed Puppies Galore to prosper. You have helped us with financing for our customers, business is good and will get better. Just wanted to Thank You again.

Puppies Galore and More, Florida

Bristlecone Holdings
2016-11-22T18:09:27+00:00

Puppies Galore and More, Florida

Thank You so much. Wags has been such a blessing to my company. With all of the changes Wags has had while growing, I never felt any growing pains. Everything you have done to grow has allowed Puppies Galore to prosper. You have helped us with financing for our customers, business is good and will get better. Just wanted to Thank You again.
The Bristlcone staff is always a pleasure to work with. My customer is so excited to use Bristlecone because this is the first time she has been approved for financing!

Minots Mattress, North Dakota

Bristlecone Holdings
2016-11-22T18:11:29+00:00

Minots Mattress, North Dakota

The Bristlcone staff is always a pleasure to work with. My customer is so excited to use Bristlecone because this is the first time she has been approved for financing!
My experience has been very good. I am a slow learner and have had quite a few exceptions to the rules but have gotten great help from customer service.

Cottman of Columbia, south Carolina

Bristlecone Holdings
2016-11-22T18:12:25+00:00

Cottman of Columbia, south Carolina

My experience has been very good. I am a slow learner and have had quite a few exceptions to the rules but have gotten great help from customer service.
So, So Very happy to be able to offer this to my clientele. Everyone is very excited, thank you for such hard and quick work to get us approved.

Geaux Paws Inc, California

Bristlecone Holdings
2016-11-22T18:08:13+00:00

Geaux Paws Inc, California

So, So Very happy to be able to offer this to my clientele. Everyone is very excited, thank you for such hard and quick work to get us approved.
We have greatly appreciated the customer service that WAGS has given to our new company and the customers.

Happy Tails, Pennsylvania

Bristlecone Holdings
2016-11-22T18:10:46+00:00

Happy Tails, Pennsylvania

We have greatly appreciated the customer service that WAGS has given to our new company and the customers.
Good morning, your words really hit home last week, you are correct your program is effective in generating mutual clients. THANK YOU for pushing me to help myself. Thank you again for making an effort. God bless you!

American Wheel & Tire, California

Bristlecone Holdings
2016-11-22T18:15:09+00:00

American Wheel & Tire, California

Good morning, your words really hit home last week, you are correct your program is effective in generating mutual clients. THANK YOU for pushing me to help myself. Thank you again for making an effort. God bless you!
Thanks Wags!

Pet City Citadel, Colorado

Bristlecone Holdings
2016-11-22T18:14:50+00:00

Pet City Citadel, Colorado

Thanks Wags!
Our experience so far with OneRoad has been nothing less than phenomenal.

The Car Shop, Arizona

Bristlecone Holdings
2016-11-22T18:12:44+00:00

The Car Shop, Arizona

Our experience so far with OneRoad has been nothing less than phenomenal.
We are very thankful and appreciative for all the hard work the Wags Lending staff puts forth each day. This leasing program is the easiest and most efficient finance plan that we have used, and it is largely because of the employees. There is always a welcoming and positive person answering the phone or responding to us through email. Thank you for all the hard work and all that you do!!!! It is our pleasure to be working with you!

Puppies Tampa, Florida

Bristlecone Holdings
2016-11-22T18:01:32+00:00

Puppies Tampa, Florida

We are very thankful and appreciative for all the hard work the Wags Lending staff puts forth each day. This leasing program is the easiest and most efficient finance plan that we have used, and it is largely because of the employees. There is always a welcoming and positive person answering the phone or responding to us through email. Thank you for all the hard work and all that you do!!!! It is our pleasure to be working with you!
The Wags staff is very helpful!

My Next Puppy, Virginia

Bristlecone Holdings
2016-11-22T18:09:01+00:00

My Next Puppy, Virginia

The Wags staff is very helpful!
We are very pleased that we have found a company that is able to take care of our clients that require financing. The fact that we can provide this service is very important to us. Naturally it brings in more income, but we have found that if you take care of your clients they will stay with you. I love the fact that with OneRoad Lending we pay no fees for this service, and encourage you to learn how simple OneRoad Lending really is.

The Car Shop, Arizona

Bristlecone Holdings
2016-11-22T17:59:38+00:00

The Car Shop, Arizona

We are very pleased that we have found a company that is able to take care of our clients that require financing. The fact that we can provide this service is very important to us. Naturally it brings in more income, but we have found that if you take care of your clients they will stay with you. I love the fact that with OneRoad Lending we pay no fees for this service, and encourage you to learn how simple OneRoad Lending really is.
High Five! I'm so excited to be working with you guys!

Di-Amore Fine Jewelers, Texas

Bristlecone Holdings
2016-11-22T18:14:33+00:00

Di-Amore Fine Jewelers, Texas

High Five! I'm so excited to be working with you guys!
We love using OneRoad Lending! Watching our customers get approved so quickly who may not have gotten the opportunity elsewhere makes this process so simple and we will definitely continue using you guys!

Sound Doctor 911, California

Bristlecone Holdings
2016-11-22T18:13:05+00:00

Sound Doctor 911, California

We love using OneRoad Lending! Watching our customers get approved so quickly who may not have gotten the opportunity elsewhere makes this process so simple and we will definitely continue using you guys!
Thanks again for all you do and for allowing us to be one of your Wags retailers.

Pet City, Houston

Bristlecone Holdings
2016-11-22T18:08:34+00:00

Pet City, Houston

Thanks again for all you do and for allowing us to be one of your Wags retailers.
Amazing! Since I first started with Wags they have always showed superb customer service to us.

Family Bulldog, Florida

Bristlecone Holdings
2016-11-22T18:09:53+00:00

Family Bulldog, Florida

Amazing! Since I first started with Wags they have always showed superb customer service to us.