OUR STORY

WHO WE ARE

Bristlecone is a group of individuals frustrated by current financing options. Like our customers, we survived the Great Recession. Like our merchants, we adapted to a changing market. We knew we weren’t alone. So we set out to build financing that made more sense for everyday people.

We partnered with the smartest and the best to build a more resilient, reliable and more accessible finance model. We found those with shared values to collaborate in our mission. We work with the most trusted retailers in each market. We strive to delight our customers with prime customer service. Together, we want to revolutionize consumer finance using modern technologies.

TRADITIONAL PRICING

When in comes to finance, traditional credit scores are a poor indicator of a consumer’s ability to repay a loan. Overly broad credit assessments, significant service gaps between prime and subprime offerings, impersonal financing models  – all of these factors drive higher default rates and an increased burden on the global economy.

TRADITIONAL MODELS DON'T WORK

So let's take a look at a better one.

BRISTLECONE PRICING

ADVANCED. ACCURATE. DEPENDABLE.
Leveraging over 1000 data points, our proprietary technology constructs a detailed consumer profile, allowing us to offer custom products to the right people at the right time. Market-specific lending, enhanced risk analysis, personal terms and pricing- welcome to the future of finance.

OUR VALUES

Because we believe in our customers.

INNOVATE


To always strive to create better systems & products to serve an ever changing marketplace.

EMPOWER


To treat every consumer with the respect they deserve & the chance to prove their integrity.

SERVE


To help our community make meaningful decisions on a budget.