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Patient Financing, Made Simple

We distinguish ourselves from other medical care financing platforms on the market by offering a range of compelling benefits, including:

  • Short Application Process: Our 90-second application is simple and straightforward.

  • Instant Options: Most approved applicants receive a plan decision instantly where they can select and sign for their chosen Scratch Pay plan.

  • No Impact on Credit Score: There is no impact on a client’s credit score for applying for and accepting a financing option from the Scratch platform.

  • Your Hospital Gets Paid: Funds are deposited in your linked bank account within 2-3 days.

  • Dedicated Support: Get help via phone, email, or chat.

  • Streamlined Process: We handle verification and client communications so you can focus on patient care!


Scratch Pay plans in the U.S. are issued by WebBank, while in Canada, they are issued by ©Scratch Financial, Inc. ©Scratchpay (NMLS ID#: 1582666). Eligibility is required for these loan products, and Scratch Pay plans may not be available in all states.