WHO WE SERVE

OUR CUSTOMERS

As one of the most inclusive risk-based pricing providers, Bristlecone serves the millions of Americans who are under-served by most finance options as well as customers with incredible credit histories. The median credit score in the US today is 667. 

Prime customers are those with scores of 720 and higher. We work with them. But that means 108 million Americans are considered “under-served” by financial services because of limited credit histories or non-prime credit scores. We work with them too. 

We believe you’re more than your credit score and we know the credit system is broken. To get credit today, you must have credit already. A bit backward, don’t you think? Let’s break the cycle.

NOT JUST A CREDIT SCORE

We measure credibility in other ways to provide personalized pricing and access for all creditworthy applicants. We use hundreds of additional data points and grant personalized terms based on the unique history of every qualified customer. By providing access to more individuals, credit-building customers can begin to build their credit profile.

Personalized terms better serve qualifying applicants of all histories and scores. The more dependable the applicant, the better the terms. We believe everyone deserves incredible customer service, regardless of credit score. We provide a superior customer experience.

PRICING


WE ACCURATELY PRICE RISK

Proprietary machine-learning algorithms leverage 1,000 data points to build individualized pricing.

TECHNOLOGY


WE DESIGN FOR THE MARKET

Custom products are built to fit specific markets and buyers, complete with a seamless, cloud-based platform for merchants and consumers.

ACCESS


WE PERSONALIZE TERMS

Algorithms constantly improve risk predictions, giving access to more under-served, creditworthy customers.

20% of American adults have little to no credit history and are considered “credit invisible.”

That means 1 in 5 adults have no traditional credit score.
We think they deserve a chance to prove their integrity.

At least 30-35 million Americans do not have a traditional credit score.
We use other tools to make lending decisions.

OUR MERCHANTS

Bristlecone stands by small business. We believe brick and mortar is the foundation of communities.Traditional point-of-sale financing is broken. It takes too long. It serves too few. We understand you need more inclusive consumer financing options.
Our approval rates are higher. Our terms are immediate. Our rates are personalized. 

Full merchant payments are easy.  Streamlined system provides financing options for high and low credit customers.
Work with fewer finance companies. Serve more customers.  

Traditional financing uses outdated tech and fails a majority of dependable Americans. We dig deeper. We believe your customers are more than their credit score. Bristlecone reviews hundreds of additional personal data points. Every qualified applicant receives personalized terms based on their unique history.
We provide a superior merchant experience with quality concierge services. We transfer funds quickly and reliably.

Retail Stores Enrolled

It's a joy working with nice, patient people who love their jobs

Lucas Independence, Montana

2016-11-22T19:05:29+00:00

Lucas Independence, Montana

It's a joy working with nice, patient people who love their jobs
Approval was quick and easy. Wish they offered personal loans at banks that quick and efficent.

Tonia- Johns Creek, Georgia

2016-11-22T19:04:17+00:00

Tonia- Johns Creek, Georgia

Approval was quick and easy. Wish they offered personal loans at banks that quick and efficent.
Great. Thank you for giving me the opportunity to finance through you!!

Marisol- Richardson, Texas

2016-11-22T18:24:23+00:00

Marisol- Richardson, Texas

Great. Thank you for giving me the opportunity to finance through you!!
I love my puppy and happy I have a affordable monthly payment.

Dawan- Green Brook, New Jersey

2016-11-22T19:06:08+00:00

Dawan- Green Brook, New Jersey

I love my puppy and happy I have a affordable monthly payment.
I view you as a very reputable company and one that stands behind their customers.

Lisa- Oakpark, Michigan

2016-11-22T18:56:54+00:00

Lisa- Oakpark, Michigan

I view you as a very reputable company and one that stands behind their customers.
You're very accommodating and had no need for a down payment even with an average credit score. Thank you so much.

James- Pasadena, Texas

2016-11-22T18:55:34+00:00

James- Pasadena, Texas

You're very accommodating and had no need for a down payment even with an average credit score. Thank you so much.
AWESOME COMPANY... Was not expecting their kindness and especially during this time of year... I appreciate everything and I love this company.. I will do business with them again...

Glenna- Hollywood, Florida

2016-11-22T18:58:25+00:00

Glenna- Hollywood, Florida

AWESOME COMPANY... Was not expecting their kindness and especially during this time of year... I appreciate everything and I love this company.. I will do business with them again...
Website was easy to navigate and approval process as well. Thanks so much for giving me a chance.

Laketta- Belmont, North Carolina

2016-11-22T19:00:51+00:00

Laketta- Belmont, North Carolina

Website was easy to navigate and approval process as well. Thanks so much for giving me a chance.
I love the idea of lending for your wedding dress. I Do Lending really made my wedding day the best day of my life!

Jennifer- Glascow, Kentucky

2016-11-22T19:02:52+00:00

Jennifer- Glascow, Kentucky

I love the idea of lending for your wedding dress. I Do Lending really made my wedding day the best day of my life!
Never know I would be so satisfied and happy. You guys are one in a million.

Raymond- Brooklyn, New York

2016-11-22T18:25:41+00:00

Raymond- Brooklyn, New York

Never know I would be so satisfied and happy. You guys are one in a million.
Thank you for giving me the opportunity to be a customer.

Leopoldo- Houston, Texas

2016-11-22T18:26:44+00:00

Leopoldo- Houston, Texas

Thank you for giving me the opportunity to be a customer.
I love being a customer and thank you for taking a chance on me. I love the the bedroom set and looking forward to adding on as I go and thank you again.

Mollie- Houston, Texas

2016-11-22T18:59:36+00:00

Mollie- Houston, Texas

I love being a customer and thank you for taking a chance on me. I love the the bedroom set and looking forward to adding on as I go and thank you again.
You guys have been so kind to me. It's nice to know that a company understands and is not all about the money.

Patrina- Las Vegas, Nevada

2016-11-22T18:52:42+00:00

Patrina- Las Vegas, Nevada

You guys have been so kind to me. It's nice to know that a company understands and is not all about the money.
We appreciate your company giving us the chance to prove our integrity.

Jonathan- Cedar Rapids, Iowa

2016-11-22T18:53:34+00:00

Jonathan- Cedar Rapids, Iowa

We appreciate your company giving us the chance to prove our integrity.
Your company allowed me to meet a need in a time of my life of rebuilding. No other company gave me that opportunity to help me move forward!

Jeffery, Lansing IL

2016-11-22T18:22:49+00:00

Jeffery, Lansing IL

Your company allowed me to meet a need in a time of my life of rebuilding. No other company gave me that opportunity to help me move forward!
Soooo helpful and nice thank you so much I'm a happy camper.

Alicia- Dearborn Heights Mchigan

2016-11-22T18:49:27+00:00

Alicia- Dearborn Heights Mchigan

Soooo helpful and nice thank you so much I'm a happy camper.
This was the fastest that I have been approved for anything. Thank you for giving me an opportunity.

Nikesha- Lithonia Minnesota

2016-11-22T18:50:11+00:00

Nikesha- Lithonia Minnesota

This was the fastest that I have been approved for anything. Thank you for giving me an opportunity.
When we thought we had lost our puppy the other day, I called Wags Lending and Katie called me back. She was so considerate and so kind. She even sent us a card in the mail. We were devastated at the thought of losing our Pug named Dalylah, but I'm happy to report that she is home and all is well. Thank You so much for actually caring about our little family!!!

Matthew- Joplin, Montana

2016-11-22T19:03:21+00:00

Matthew- Joplin, Montana

When we thought we had lost our puppy the other day, I called Wags Lending and Katie called me back. She was so considerate and so kind. She even sent us a card in the mail. We were devastated at the thought of losing our Pug named Dalylah, but I'm happy to report that she is home and all is well. Thank You so much for actually caring about our little family!!!
I'm so happy and thrilled for getting a quick approval with a fantastic amount!!!

Darin- Edina, Minnesota

2016-11-22T19:00:16+00:00

Darin- Edina, Minnesota

I'm so happy and thrilled for getting a quick approval with a fantastic amount!!!