Loan innovation flexibility

What's on your roadmap? We're ready to grow with you

Dream bigger and go to market faster with a loan servicing partner that can service any type of loan or lending product.

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Work with a partner that can adapt to your borrowers' evolving needs

Build your dream product - we can service it

Our platform is built to support innovation. We're not limited by asset classes, features, or what's been done in the past. Lenders can also pilot products faster with our Innovation Pricing.

Innovate across lending asset classes

Our lender partners work across many asset classes today including:

  • Private student
  • Allotment
  • Personal
  • Equipment financing
  • Debt consolidation
  • Mortgages
  • Point-of-sale
  • Income share agreements
  • Construction finance
Customize loan features to meet your borrowers' needs

Lenders partnering with Scratch today offer traditional and outside-the-box loan repayment features including:

  • Fixed and variable interest rates
  • Collateral management
  • Flexible installment schedules
  • Customized and flexible accommodation policies
  • Customized capitalization policies
  • Multiple disbursements
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Ready to get started with Scratch?

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