Loan servicing that grows with you.

We’ve reimagined loan servicing to empower your borrowers, your capital partners, and your team.
Loan innovation flexibility
Better borrower experience
Actionable insights

Loan innovation flexibility

Build your dream product - we can service any lending asset class and support custom features tailored to your program. Take new products to market faster with our Innovation Pricing.

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Loan innovation flexibility

Better borrower experience

With Scratch, you can help your borrowers stay on track for a financially healthy future. Ensure that your borrowers have visibility, control, and personalized support throughout their journey with you.

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Actionable insights

Our technology handles the complexities of loan accounting so your reporting is accurate and never subject to manual errors. You and your capital partners can see portfolio insights daily through our SFTP or reporting API to keep innovating your business.

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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?

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