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