Lenders

Loan servicing that grows with you.

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

CTA Button
users_lenders_hero

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
  • SMB/SME
  • 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.

users_lenders1cropped users_lenders2 users_lenders3 usersLenders4

A few use cases

As an asset-class agnostic loan servicer, we're not limited by loan types, features, or what's been done in the past. Browse a few of the asset classes we service today below.

Private student loan servicing

Students take on debt to get ahead, not to fall behind. As your servicing partner, we’re committed to helping your borrowers reach their goals.

Personal loan servicing

Your borrowers chose you for your streamlined, supportive, transparent origination experience. Why should their repayment experience be any different?

SMB loan servicing

We’re ready to tailor features to your SMB products – like variable penalties for late payments or prepayments, variable interest rates, or multiple guarantors.

Backup servicing

Traditional backup servicing has been an insurance policy for unexpected interruptions. At Scratch, our backup servicing does more for everyone involved: borrowers, lenders, and capital partners.

PPP loan servicing

Scratch partners with bank and non-bank lenders to manage loan forgiveness and servicing for Paycheck Protection Program (PPP) loans. We provide full end-to-end servicing of PPP loans throughout their entire lifetime.

...and more

Other loans we service today include allotment, salary-linked, equipment financing, debt consolidation, mortgages, point-of-sale, income share agreements, construction finance, crypto-backed, and more. If you can build it, we can service it.

Ready to get started with Scratch?

CTA Button