BreadSquared: Where AI Meets Smarter Lending
We connect millions of consumers with over 100 banks and credit unions. BreadSquared AI models and cloud-based technology to offer smarter, more accessible. Our platform supports a wide range of lending solutions, including personal loans, auto purchase and refinance loans, home equity lines of credit, and small-dollar relief loans.
Making Borrowing Simpler and More Affordable for Everyone
Money plays a vital role in everyday life—and for the vast majority of Americans without substantial wealth, the cost and accessibility of borrowing have a direct impact. Throughout history, access to fair, affordable credit has been a key driver of economic mobility and opportunity.
3M+ Customers
More than 3 million customers have trusted us to help them reach their financial goals—whether it’s consolidating debt, covering emergency expenses.
$44.7B+ Originations
We’ve facilitated over $44.7 billion in loan originations, helping millions of Americans access affordable credit to meet their financial goals.
100+ Banks
More than 100 banks use our technology and data-driven approach to modernize lending and improve customer experience.
The Old Way of Lending Doesn’t Work Anymore
For decades, lending decisions have been driven by traditional “scorecard” models that rely heavily on credit scores and a limited set of borrower factors. While simple, these models often miss the bigger picture—overlooking qualified borrowers while overestimating the risk of others. In today’s environment, where consumers expect speed, fairness, and flexibility, outdated methods just don’t cut it.
The opportunity is clear: with smarter credit modeling, lenders can nearly double their approval rates while actually reducing defaults. By adopting advanced analytics and modern decisioning tools, financial institutions can unlock growth, reach underserved borrowers.
Expanding the Data Behind Every Credit Decision
At BreadSquared, we know that a credit score tells only part of the story. That’s why our underwriting model goes far beyond the basics, evaluating a comprehensive range of data points to create a fuller, more accurate picture of each borrower’s true creditworthiness.
Our AI-driven model analyzes thousands of variables and discovers patterns traditional tools miss—like repayment behavior trends, spending consistency, and financial stability markers. This holistic approach not only identifies stronger lending opportunities but also helps institutions serve more qualified borrowers, with confidence backed by data.
Learning from 86 Million Monthly Repayment Behaviors
What sets BreadSquared apart is our ability to learn, adapt, and improve every single day. Our credit models evolve continuously by processing over 86 million monthly repayment and delinquency behaviors. That real-time stream of performance data sharpens our accuracy, reduces risk, and ensures our models stay aligned with the latest borrower trends.
Instead of relying on static historical data, we deliver a dynamic, living model that improves portfolio performance over time. For lenders, that means more approvals, fewer defaults, and lending strategies that stay ahead of the curve in a rapidly changing financial landscape.
A Smarter Model That Predicts Risk Throughout the Loan Lifecycle
Traditional credit models offer only a static snapshot of risk, leaving lenders blind to how borrower behavior changes over time. BreadSquared takes a more advanced approach. Our proprietary, patented loan-month model doesn’t just evaluate risk at origination—it dynamically forecasts the likelihood of default or prepayment at every stage of the loan’s lifecycle.
By analyzing repayment probabilities month by month, our model gives lenders a more precise understanding of risk exposure, enabling smarter decisions from day one through final payoff.
Help Us Redefine the Future of Lending
We’re on a mission to make credit more inclusive, accurate, and accessible through the power of AI. Whether you’re a lender, partner, or changemaker, your involvement helps us build a smarter, fairer financial system—one that works for everyone.
INVEST
BreadSquared for lenders
Drive growth by approving more qualified borrowers and offering a faster, digital-first lending journey.
SAVE
Join Team at Bread Squared
Be part of a team reimagining how credit works—for everyone. View current opportunities.
RETIRE
Backed by Our Investors
Get the information you need—timely updates on our progress, and strategic milestones.
Questions? 5 Things To Know In 5 Minutes Or Less.
What Exactly Is a Personal Loan and How Does It Work?
A personal loan is a fixed-term loan you can use for nearly any purpose—like paying off debt, funding a major expense, or handling unexpected bills. It’s typically unsecured, meaning you don’t need to provide any collateral like your car or home. While most BreadSquared loans are unsecured, in some cases, a vehicle may be used as collateral. Be sure to review your loan agreement for details specific to your offer.
How Does Auto Loan Refinancing Save Me Money?
What’s the Difference Between Interest Rate and APR?
How Soon Can I Receive My Loan Funds?
Will Checking My Rate Hurt My Credit Score?
Can I Pay Off My Loan Early Without Penalties?
See What Customers Say About
Bread Squared
Debt-Free in Half the Time!
I was facing unexpected medical expenses and didn’t know where to turn. BreadSquared approved my Personal Loan quickly, and the funds were in my account the next day. Their team made the whole process stress-free, and I felt supported every step of the way.
Owner, Local Boutique
Shawn Clark.
Lower Car Payments, More Savings!
Refinancing my auto loan with BreadSquared saved me over $200 a month. The application was fast, and I had my approval the same day. I didn’t think it would be this easy to reduce my payments and free up extra money for my family.
Operations Manager, Logistics Company
James Micheal.
Quick Funds When I Needed Them Most
I was facing unexpected medical expenses and didn’t know where to turn. BreadSquared approved my Personal Loan quickly, and the funds were in my account the next day. Their team made the whole process stress-free, and I felt supported every step of the way.
Operations Manager, Pharma Company
Danielle Paul.
Confidence in Every Step
From checking my rate to receiving my funds, BreadSquared delivered exactly what they promised. I loved the clarity of knowing my options without affecting my credit score, and the funding speed was incredible. This is financing I can truly trust.
Homeowner & Father of Two
Michael Hamen.
Money Solutions That Don’t Wait Why Should You?
Every day you delay is another day stuck with high-interest payments or financial stress. With BreadSquared, you can unlock up to $50,000 quickly and put your plans into motion—today. Apply now and see how fast financial freedom can be.