Scratch Financial (“Scratch”) is a Series C financial technology startup based in Los Angeles, California. Our goal is to make difficult financial decisions simple and increase accessibility to fair, affordable, and transparent medical financing. Driven by our award-winning technology, Scratch has become the fastest growing financing provider in veterinary care, with a partner network of 15,000+ practices across the U.S. and Canada–ranging from dental offices to optometry clinics. 

Scratch has 3 main products:

1. Scratch Pay: Point-of-sale lending including a BNPL offering and longer-term payment plans
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3. Scratch Checkout: Payment processing that is integrated with the veterinary practice management software
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5. Scratch Comms: Appointment booking and communications