Raymour & Flanigan and Bread Financial Sign Long-Term Agreement to Launch New Financing Program
Raymour & Flanigan and Bread Financial (NYSE: BFH) announced a long-term agreement to launch a private label credit program, set to begin late this year. The program will provide qualified customers with flexible, integrated financing options across Raymour & Flanigan’s platforms to simplify purchases of furniture and mattresses.
Bread Financial will collaborate on data-driven insights to continually enhance the omnichannel customer experience. Both companies framed the program as improving accessibility and convenience for shoppers while reinforcing Raymour & Flanigan’s focus on customer service.
Raymour & Flanigan e Bread Financial (NYSE: BFH) hanno annunciato un accordo di lungo periodo per lanciare un programma di credito a marchio privato, che dovrebbe partire verso la fine di quest'anno. Il programma offrirà a clienti qualificati opzioni di finanziamento flessibili e integrate attraverso le piattaforme di Raymour & Flanigan per semplificare l'acquisto di mobili e materassi.
Bread Financial collaborerà nell'analisi basata sui dati per migliorare continuamente l'esperienza del cliente omnicanale. Entrambe le aziende hanno inquadrato il programma come un miglioramento dell'accessibilità e della comodità per gli acquirenti, rafforzando al contempo l'attenzione di Raymour & Flanigan al servizio al cliente.
Raymour & Flanigan y Bread Financial (NYSE: BFH) anunciaron un acuerdo a largo plazo para lanzar un programa de crédito de marca privada, que comenzará a finales de este año. El programa ofrecerá a clientes calificados opciones de financiación flexibles e integradas a través de las plataformas de Raymour & Flanigan para simplificar la compra de muebles y colchones.
Bread Financial colaborará en ideas basadas en datos para mejorar continuamente la experiencia del cliente omnicanal. Ambas compañías enmarcaron el programa como una mejora de la accesibilidad y la conveniencia para los compradores, al tiempo que reforzaban el enfoque de Raymour & Flanigan en el servicio al cliente.
Raymour & Flanigan과 Bread Financial (NYSE: BFH)은 사내 브랜드 신용 프로그램을 론칭하기 위한 장기 계약을 발표했으며, 올해 말 시작될 예정입니다. 이 프로그램은 Raymour & Flanigan의 플랫폼 전반에서 자격을 갖춘 고객들에게 가구와 매트리스 구입을 간소화하기 위한 유연하고 통합된 금융 옵션을 제공합니다.
Bread Financial은 데이터 기반 인사이트를 바탕으로 옴니채널 고객 경험을 지속적으로 향상시키는 데 협력할 것입니다. 양사는 이 프로그램이 쇼핑객의 접근성과 편의성을 개선하고 Raymour & Flanigan의 고객 서비스에 대한 집중을 강화하는 것으로 설명했습니다.
Raymour & Flanigan et Bread Financial (NYSE: BFH) ont annoncé un accord à long terme visant à lancer un programme de crédit sous marque privée, qui débutera vers la fin de cette année. Le programme offrira à des clients qualifiés des options de financement flexibles et intégrées sur les plateformes de Raymour & Flanigan afin de faciliter l’achat de meubles et de matelas.
Bread Financial collaborera sur des données et des idées basées sur les données pour améliorer en continu l’expérience client omnicanale. Les deux entreprises ont décrit le programme comme une amélioration de l’accessibilité et de la commodité pour les acheteurs, tout en renforçant l’orientation service client de Raymour & Flanigan.
Raymour & Flanigan und Bread Financial (NYSE: BFH) gaben eine langfristige Vereinbarung zur Einführung eines Privat-Label-Kreditprogramms bekannt, das noch in diesem Jahr starten soll. Das Programm wird qualifizierten Kunden flexible, integrierte Finanzierungsmöglichkeiten über die Plattformen von Raymour & Flanigan bieten, um den Kauf von Möbeln und Matratzen zu erleichtern.
Bread Financial wird mit datengetriebenen Erkenntnissen zusammenarbeiten, um das Omnichannel-Kundenerlebnis kontinuierlich zu verbessern. Beide Unternehmen beschrieben das Programm als eine Steigerung der Zugänglichkeit und Bequemlichkeit für Käufer, während gleichzeitig Rays Fokus auf Kundenservice gestärkt wird.
Raymour & Flanigan و Bread Financial (NYSE: BFH) أعلنتا عن اتفاق طويل الأجل لإطلاق برنامج ائتمان يحمل علامة خاصة، وسيبدأ في وقت لاحق من هذا العام. سيقدم البرنامج لعملاء مؤهلين خيارات تمويل مرنة ومتكاملة عبر منصات Raymour & Flanigan لتبسيط شراء الأثاث والمراتب.
سيتعاون Bread Financial في الحصول على رؤى مستندة إلى البيانات لتحسين تجربة العملاء عبر قنوات البيع بشكل مستمر. وصفت الشركتان البرنامج بأنه يحسن سهولة الوصول والراحة للمشترين، مع تعزيز تركيز Raymour & Flanigan على خدمة العملاء.
Raymour & Flanigan 与 Bread Financial (NYSE: BFH) 宣布达成一项长期协议，推出自有品牌信用计划，预计今年晚些时候开始。该计划将为合格客户提供在 Raymour & Flanigan 的各个平台上灵活、整合的融资选项，以简化购买家具和床垫的流程。
Bread Financial 将在数据驱动的洞察方面进行协作，不断提升全渠道的客户体验。两家公司将该计划描述为提高购物者的可及性和便利性，同时加强 Raymour & Flanigan 对客户服务的关注。
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Insights
Long-term private-label financing with Bread Financial should widen purchase access and support sales at Raymour & Flanigan.
The agreement creates a closed-loop credit channel that embeds financing at checkout and across digital platforms, increasing average ticket flexibility and likely reducing friction for larger purchases. The arrangement leverages Bread Financial's payment and data capabilities while keeping the customer relationship branded to Raymour & Flanigan.
Key dependencies include execution of the
Private-label credit with Bread Financial adds flexible payment options and data-driven servicing, improving customer buying power.
Private-label cards typically drive loyalty and repeat purchases when underwriting and promotional structures align with customer demand. Bread Financial's role in providing personalized payment and lending solutions suggests the program will include targeted offers and analytics-driven servicing to boost usage.
Risks include customer credit performance, promotional funding costs, and the final terms customers see at checkout. Monitor approval rates, average financed amount, promotional uptake, and early delinquencies in the first 6–12 months to assess program health and economic impact.
Private label credit program will empower customers with flexible payment options and increased buying power for a seamless shopping experience
LIVERPOOL, N.Y. and COLUMBUS, Ohio, Oct. 23, 2025 (GLOBE NEWSWIRE) -- Raymour & Flanigan, a leading furniture and mattress retailer, today announced a new long-term agreement with Bread Financial (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, to launch a private label credit program. Set to launch late this year, the program will provide qualified customers with more convenient, flexible ways to buy what they love at their convenience.
The program will offer seamless financing solutions that integrate directly into Raymour & Flanigan’s platforms, supporting the company's long-standing commitment to exceptional customer service and continuous evolution, making home furnishings more accessible to a wider range of customers. Bread Financial will also collaborate with Raymour & Flanigan to leverage data-driven insights that continually enhance the customer experience across channels.
"Our customers are at the heart of everything we do, so finding a likeminded consumer financing provider that shares our deep commitment to enhancing our customers’ experiences before, during and after their purchase was essential,” said Guy Demascole, director of payment solutions at Raymour & Flanigan. “Bread Financial’s flexible payment options align with our vision to make it easier for customers to create homes they love, while strengthening our long-standing promise to deliver comfort, quality, and exceptional service.”
“We’re excited to work with Raymour & Flanigan to put their customers at the center of this new financing program,” said Val Greer, Executive Vice President and Chief Commercial Officer at Bread Financial. “It is designed to deliver immediate value and flexibility to shoppers, creating a more accessible and seamless experience. By pairing this program with Raymour & Flanigan’s unwavering commitment to customer satisfaction, the result is a powerful combination that truly provides differentiated value to its loyal customers.”
About Bread Financial®
Bread Financial® (NYSE: BFH) is a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers. Our payment solutions, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers.
To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn.
About Raymour & Flanigan
Raymour & Flanigan is the largest furniture and mattress retailer in the Northeast and seventh largest nationwide. The organization is committed to creating exceptional guest shopping experiences by leveraging their talented team of associates, advanced technology solutions, and quality products. Established in Syracuse, N.Y. in 1947, the retailer has 104 showrooms across the Northeast, 36 outlet stores, 5 clearance centers and a growing e-commerce business. Raymour & Flanigan is known for its modern, quality home furnishings and white-glove, in-house delivery offering. The company believes in supporting local communities through its many sustainability efforts, which include recycling over
Contacts
Brian Vereb — Investor Relations
Brian.Vereb@breadfinancial.com
Susan Haugen – Investor Relations
Susan.Haugen@breadfinancial.com
Rachel Stultz — Media
Rachel.Stultz@breadfinancial.com
FAQ
What will the Raymour & Flanigan and Bread Financial (BFH) agreement deliver?
When will the Raymour & Flanigan private label credit program with BFH launch?
How will Bread Financial (BFH) support Raymour & Flanigan customers?
Will the new BFH financing integrate with Raymour & Flanigan’s shopping platforms?
What does the partnership mean for Raymour & Flanigan’s customer access to credit?
