1. FAQs
  2. General
  3. Basic information

Who is Scratch Financial?

We’re a financial technology company that has been around since 2016, and we currently provide 12,000+ partners an easy way to care for more patients via our patient financing product Scratch Plan. Simply put: your client applies at Scratchpay.com, we provide your patients with a Scratch Plan to finance their care, and we pay your practice up front via direct deposit. More information about our Scratch Plan product can be found here.

In 2020, we launched our payment processing product Scratch Pay, an omnichannel payment's solution designed to cut costs and boost sales for your practice. Scratch Pay offers digital and in-practice payment solutions. More information about our Scratch Pay product can be found here

We are currently available for the following industries:



Vision & LASIK

Chiropractic & Physical Therapy

Primary Care

Dermatology & Cosmetic Surgery


Scratch Plans originated in the United States are issued by WebBank. Scratch Plans originated in Canada are issued by ©Scratch Financial, Inc. ©Scratchpay (NMLS ID#: 1582666). Scratch Plans are loan products subject to eligibility.