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Report January 16, 2023

Driving the power of 0% on (and off) new roads

Metal Tech
Metal Tech Logo


Metal Tech 4x4


Metal Tech 4×4 is a Toyota and Lexus off-road equipment specialist that engineers, designs and manufactures high-end off-road parts.

3x AOV after enabling Bread Pay™'s six-month, 0% APR*


Metal Tech 4×4 is a Toyota and Lexus off-road equipment specialist. They engineer, design and manufacture high-end off-road parts including bumpers, sliders, roll cages, tube fenders, suspension components and more! For almost 20 years, they’ve provided top-quality customer service matched with a drive to build the best off-road equipment.

We started out in a garage in 1999. We then officially formed an LLC in 2000 as Metal-tech Cage, LLC and began designing and building roll cages for FJ40 Toyota Land Cruisers. Today, we build high-quality off-road products for Toyota and Lexus 4x4s using state-of-the-art 3D scanning and CAD tools. ‘Protection Evolved’ continues to be not just our slogan but our way of thinking and innovating how we build and design high-performance off-road products for our customers."

Ryan Berg - General Manager, Metal Tech 4x4

Metal Tech has been a Bread Pay partner since 2019 and introduced financing for the first time to their customers. With a customer price point demand in both higher- and lower-end AOVs, varying payment option lengths was the perfect offering for their wide customer base. In February 2022, Metal Tech adopted six-month, 0% APR as a promo in their loan offers, which led to a three-times AOV increase that outperformed all interest-bearing terms!*

The results speak for themselves. Since 2019, we’ve done about $256,000 in loan volume. In 2022 alone, we are projected to reach $110,000 in sales as we enter peak season with an AOV of $1,337. Plus, the Bread Pay customer service has been great from the initial sale to enabling the product. Bottom line, we’ve been impressed with Bread Pay.*"

Ryan Berg - General Manager, Metal Tech 4x4

*Cumulative data from this case study is based on the merchant’s loan activity dated July 2019 through September 2022. Results may vary by merchant and not all merchants will achieve these results.

SUV driving on dirt/grass