# Caleb Morse

> Caleb Morse is the president and co-founder of Scratch Financial, the Pasadena-based fintech company that grew from one costly cat rescue into a payments and financing platform used across U.S. and Canadian veterinary practices. A former Green Dot banking-operations executive, Stanford MBA, nonprofit founder and finance chief, Morse has spent his career joining financial machinery to practical problems, from rural enterprise in Kenya to the moment a pet owner must decide whether an unexpected bill can be paid.

- **Role:** President and Co-Founder at Scratch Financial
- **Organizations:** Scratch Financial, World Wide Impact, Meridith Baer Home, Green Dot Corporation, TechnoServe, Ultora
- **Education:** Master of Business Administration, Stanford Graduate School of Business, Graduate study in Environment and Resources; degree not completed, Stanford University, Bachelor of Arts in Economics, Mathematics and Politics, Pomona College, The Webb Schools
- **Known for:** Co-founded Scratch Financial and helped grow Scratch Pay from a self-funded launch to 500 veterinary practices in its first twelve months., Helped build a platform that Scratch says now facilitates 20% of U.S. veterinary transactions., Raised a $35 million Series C for Scratch Financial in 2022 with a group led by Norwest Venture Partners.

## Career timeline

- **2007-2014** — Founded World Wide Impact, a nonprofit that worked with Kenyan agencies and the community of Ngomeni on enterprises and projects supporting reforestation, education and community needs.
- **2007-2012** — Worked at Green Dot Corporation, rising through revenue and banking operations roles to Senior Director of Banking Operations.
- **2012** — Consulted for TechnoServe’s Revitalizing Agricultural Incomes and New Markets program.
- **2012-2014** — Earned an MBA at Stanford Graduate School of Business and pursued graduate study in environment and resources.
- **2013** — Worked as an MBA intern in finance and strategy at nanotechnology startup Ultora.
- **2014-2015** — Served as CFO and head of business development at Meridith Baer Home.
- **2015** — After rescuing an injured cat with his future wife and facing a $4,500 emergency bill, reconnected with former Green Dot colleague John Keatley to explore a new payment model.
- **2016** — Co-founded Scratch Financial and began building Scratch Pay for veterinary practices and pet owners.
- **2017** — Scratch Pay reached 500 participating practices within twelve months of launch.
- **2020** — Scratch reported roughly 100,000 loans and expanded its financing model beyond veterinary care.
- **2022** — Became president after serving as co-founder and chief operating officer; Scratch raised a $35 million Series C led by Norwest Venture Partners.
- **2024** — Named with John Keatley as an Entrepreneur Of The Year Greater Los Angeles finalist.
- **2026** — Scratch announced a purchase facility with Victory Park Capital to support demand for veterinary financing offered through its platform.

## Achievements

- Co-founded Scratch Financial and helped grow Scratch Pay from a self-funded launch to 500 veterinary practices in its first twelve months.
- Helped build a platform that Scratch says now facilitates 20% of U.S. veterinary transactions.
- Raised a $35 million Series C for Scratch Financial in 2022 with a group led by Norwest Venture Partners.
- Selected with co-founder John Keatley as a 2024 Entrepreneur Of The Year Greater Los Angeles finalist.
- Founded and ran World Wide Impact, a nonprofit active in Kenya, from 2007 to 2014.

## Latest updates

- **2026-05** — Scratch Financial announced a purchase facility with Victory Park Capital to meet further demand for loan offerings on its veterinary loan technology platform.
- **2026-04** — Morse and John Keatley were named among the 2026 Entrepreneur Of The Year Greater Los Angeles finalists.
- **2025-08** — Scratch Financial ranked No. 430 on the 2025 Inc. 5000 list.
- **2025-07** — Scratch announced a partnership with CareVet to deploy integrated payment processing across CareVet practices.

## Links

- Website: https://scratchpay.com
- LinkedIn: https://www.linkedin.com/in/calebmorse
- Twitter/X: https://twitter.com/helloscratch
- Instagram: https://www.instagram.com/scratch_financial
- Facebook: https://www.facebook.com/ScratchFinancial

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Profile page: https://yespress.io/caleb-morse
Published by YesPress — https://yespress.io
Last updated: 2026-09-27