Scratch Financial

Scratch Financial

Medical financing platform for veterinary care

Overview

Scratchpay helps pet owners and veterinary practices manage medical costs by offering flexible payment plans for veterinary care. Its product lets clients spread medical bills into installments with varying terms and interest based on the applicant’s credit profile. The application is straightforward, does not affect the applicant’s credit score, and emphasizes transparency with no hidden fees or prepayment penalties. Practices can offer Scratchpay as a financing option and may pay fees to participate, while the company earns revenue from interest on plans and service fees. Compared with competitors, Scratchpay emphasizes high approval rates, transparent pricing, and a simple, credit-accessible experience for both pet owners and veterinary clinics. The goal is to increase access to necessary pet healthcare by reducing upfront financial barriers for families and enabling veterinary practices to offer affordable payment options.

About Scratch Financial

Simplify's Rating
Why Scratch Financial is rated
C
Rated C on Competitive Edge
Rated B on Growth Potential
Rated D+ on Differentiation

Industries

Fintech

Financial Services

Healthcare

Company Size

51-200

Company Stage

Series C

Total Funding

$58.9M

Headquarters

Los Angeles, California

Founded

2015

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Simplify's Take

What believers are saying

  • July 30, 2026 Scratchpay site still markets 0%-36% APR plans, showing active demand capture.
  • May 13, 2026 Victory Park capital supports larger veterinary loan origination capacity.
  • 2025 Inc. 5000 ranking No. 430 signals growth momentum and brand traction.

What critics are saying

  • February 6, 2026 class action alleges a 568% cat-cancer loan, inviting regulatory scrutiny.
  • Scratchpay's own site shows late fees and 36% APR, amplifying borrower backlash.
  • WebBank and partner dependence creates existential risk if underwriting or funding terms tighten.

What makes Scratch Financial unique

  • Scratch targets veterinary and dental financing, with integrated payment processing for clinics.
  • May 13, 2026 Victory Park Capital purchase facility deepens its asset-backed lending engine.
  • Scratch offers soft-pull applications, 60-second signup, and 12-24 month transparent plans.

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Funding

Total Funding

$58.9M

Below

Industry Average

Funded Over

5 Rounds

Series C funding is usually for startups that are doing well and are looking for more money to fuel major growth, such as acquiring other companies, expanding into global markets, or launching new product lines. Investors typically include larger venture capital firms and private equity.
Series C Funding Comparison
Below Average

Industry standards

$50M
$40M
Figma
$50M
Medium
$62M
SeatGeek
$100M
Oura

Benefits

Medical, dental, & vision

Monthly wellness benefit

401k

Flexible vacation policy

Parental leave

Professional development stipend

Tech equipment stipend

Company & team activities

Growth & Insights and Company News

Headcount

6 month growth

4%

1 year growth

2%

2 year growth

1%
Time Business News
Aug 5th, 2026
Happy Paws Pet Hospital expands compassionate end-of-life services for North Las Vegas pet owners.

Happy Paws Pet Hospital expands compassionate end-of-life services for North Las Vegas pet owners. Happy Paws Pet Hospital, a full-service veterinary practice located at 6315 Losee Road, Unit 150, continues to prioritize accessible, compassionate care for pets and their families throughout the region, including support for one of the most difficult decisions a pet owner can face: end-of-life care. Discover more Geographic Reference Controversial Social Issues Demographics Recognizing the emotional and financial weight that comes with saying goodbye to a beloved companion, Happy Paws Pet Hospital offers low-cost pet euthanasia in Las Vegas designed to keep this deeply personal decision from being complicated by prohibitive expense. The hospital provides both in-clinic and at-home euthanasia appointments, allowing pets to be surrounded by familiar comfort during their final moments rather than a clinical environment alone. "Every pet deserves a peaceful, dignified transition, and every family deserves the ability to choose that without financial barriers standing in the way," said a representative of Happy Paws Pet Hospital. "Offering low cost pet euthanasia Las Vegas is about making sure cost never determines the quality of comfort and care a pet receives at the end of their life." In addition to end-of-life services, Happy Paws Pet Hospital continues to expand its full scope of veterinary care, positioning itself among the trusted vets in North Las Vegas for services ranging from routine wellness visits to advanced surgical procedures, including spay and neuter, dental extractions, mass removals, and orthopedic surgery such as TPLO. The hospital also offers house calls, travel health certificates for interstate and international pet travel, and walk-in availability for pet owners who need care outside of a scheduled appointment. City & Local Guides To further support accessibility, Happy Paws Pet Hospital partners with multiple financing providers, including CareCredit, Cherry, Sunbit, and Scratch Pay, giving pet owners flexible payment options for surgeries, emergencies, and end-of-life care alike. As demand grows among vets in North Las Vegas for practices that combine clinical expertise with genuine affordability, Happy Paws Pet Hospital remains committed to serving as a dependable, full-service resource for pet owners throughout the community - from a pet's first vaccination through their final days. Happy Paws Pet Hospital is open Friday, Saturday, and Monday from 8:00 a.m. to 7:00 p.m., and Sunday, Tuesday, and Wednesday from 10:00 a.m. to 8:00 p.m. The hospital is closed Thursdays.

Pasadena Now
Feb 5th, 2023
Pasadena-Based Scratch Financial Partners to Streamline Dental Care Financing for Patients Nationwide – Pasadena Now

Since it started doing business in 2016, Scratch has raised more than $108 million in financing.

PR Newswire
Jan 31st, 2023
Scratch And Wellfit Partner To Deliver Access To Flexible Payment Options To Dental Patients Across The Country

PASADENA, Calif., Jan. 31, 2023 /PRNewswire/ -- Scratch Financial Inc. (Scratch), a fintech company that provides access to simple patient financing and payment solutions for healthcare providers, announced today that it has partnered with Wellfit Technologies, Inc. (Wellfit), a technology platform that makes financing, payments, and dental plans simple and accessible to patients at thousands of dental practices across the country. The new partnership aims to bring financial simplicity and convenience to patients seeking dental care.Wellfit's technology platform puts patients in control of all financial aspects of their dental care through a simple and intuitive app where patients can access financial services from leading providers.Scratch was a natural choice to partner with Wellfit thanks to the patient-friendly payment plan options, frictionless application process, and mobile-first design. Scratch offers access to the simplicity of "Buy Now Pay Later" in the dentist's office with financing options that have interest rates as low as 0% APR (loans originated by WebBank)

PR Newswire
Jan 19th, 2023
Scratch Hires Steven Tamm as CTO

Scratch Financial Inc., a fintech company that provides simple patient financing and payment solutions for healthcare providers, is pleased to announce the hiring of Steven Tamm as its Chief Technology Officer (CTO).

PR Newswire
Sep 20th, 2022
Scratch Financial Raises $35 Million Series C Round

/PRNewswire/ -- Scratch Financial Inc., a Pasadena-based fintech company reimagining patient financing, today announced that it has raised $35 million in...

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