Changing borrowers' relationship with debt for the better

People take on debt to get ahead, not fall behind - but every borrower's journey has ups, downs, and surprises. We're here to guide borrowers through every step of their journey.

How are we driving this change?


Scratch is reimagining loan servicing to help borrowers understand, manage, and pay back their loans. With the Scratch platform, borrowers have visibility and control over their debt in just a few clicks. Borrowers turn to Scratch's team of Loan Guides for empathetic problem solving and personalized guidance on how to fit their loans into their lives.

Lenders partner with Scratch as their loan servicer to grow their businesses in innovative ways. Scratch can service any asset class - including private student loans, personal loans, mortgages, and small business loans - with any custom feature to meet borrowers' needs.

Working at Scratch

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Scratch is proud to be a Great Place to Work-Certified™ company. Our people and culture earned us this recognition, which is based on a Trust Index™ employee survey that measures credibility, respect, fairness, pride, and camaraderie.

Explore our Careers page or learn more about what makes Scratch a great place to work.

Scratch in the news

Our Community

Financial empowerment is core to everything we do. We partner with companies, industry groups, and regulators to drive a more consumer-friendly financial ecosystem.

Consumer Financial Protection Bureau

Scratch's CEO Sameh Elamawy served on the Consumer Advisory Board of the Consumer Financial Protection Bureau for two years. During this time he advised the CFPB on consumer financial issues and market trends.

Marketplace Lending Association

The Marketplace Lending Association supports the responsible growth of marketplace lending. Together with other members, Scratch fosters both financial technology innovation and consumer-friendly public policy.

Mortgage Bankers Association

Scratch joins other companies across the real estate finance industry in the Mortgage Bankers Association, where we promote fair, sustainable, and responsible real estate financing.

Fintech Equality Coalition

Scratch and other fintechs are working toward action-oriented goals to enhance access to financial services and career advancement for underrepresented groups – particularly the Black community.

Financial Health Network

Scratch is a member of the Financial Health Network's Financial Solutions Lab, a catalyst for fintech innovations that improve financial health.

Ready to get started with Scratch?

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