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Scratch Financial is a financial technology company founded in 2016, empowering over 12,000 partners with an innovative platform where clients are able to select from different financing options, Scratch Pay plans.*

Simply put: your client applies through, if eligible, the client is presented with different financing options, the client selects a financing option, and then your practice is paid for the services and products used by the client. Find more information about Scratch Pay plans here.

In 2020, we launched our payment processing product Scratch Checkout, an omnichannel payments solution designed to cut costs and boost sales for your practice. Scratch Checkout offers digital and in-practice payment solutions. Find more information about Scratch Checkout here.

*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.

Scratch Plan Availability

We are currently available for the following industries: