Loan servicing that grows with you and your borrowers' needs.

Partner with a loan servicer that supports your growth and innovation — so you can focus on what matters most.

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We help you transform lending wherever you are in your journey.

Launch something new

Respond to your borrowers' evolving needs by expanding into new markets, asset types, and loan features. Pilot new programs quickly and easily so you can be there for your borrowers when they need you most.

Our Innovation Pricing waives all new program setup fees after you onboard with Scratch.

Optimize for actionable insights

Work with a loan servicing partner you can trust. You'll always know how your portfolio is performing with accurate reporting daily via our SFTP or API. We also give you full visibility into how we're engaging with your borrowers.

Innovate and expand your reach

Dream big - we can service any type of loan or lending product. Our partners today lend across many asset classes, including:

  • Private student
  • Allotment
  • Personal
  • Equipment financing
  • Debt consolidation
  • Mortgages
  • Point-of-sale
  • Salary-linked
  • Construction finance
Streamline and secure your portfolio

Your portfolio deserves more than an insurance policy. In addition to primary servicing, we've reimagined backup servicing to give capital partners true value. Now you can depend on smooth and efficient servicing transfers during your most critical moments as well as accurate reporting, even while we're on standby.

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Ready to get started with Scratch?

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