Case Study: RTA Cabinet Store achieves 130% higher average order value with Bread Pay

Bread Financing Helped The RTA Store Increase Average Ticket Size by 130%

RTA Cabinet Store, a leader in ready-to-assemble cabinetry, faced hesitant shoppers because cabinetry is expensive and typically not an impulse purchase. To make purchases feel more affordable and expand access to credit, they partnered with Bread Pay to offer pay-over-time financing with white‑label capabilities and sitewide placement so financing could be presented earlier in the customer journey.

Bread Pay enabled prequalification and financing across touchpoints and was integrated into marketing and cart-abandonment campaigns (via Listrak). As a result, RTA Cabinet Store saw an 8.0% incremental year‑over‑year sales increase, a 130% higher average order value for customers using Bread Pay versus those who did not, and 3.7% of total customers won back. Cart-abandonment emails that included personalized Bread Pay offers delivered 3× higher email conversions, 155% more revenue, a 38% lift in click‑through rate and 86% higher AOV.

RTA Cabinet Store

Gary Nealon

Founder