# Scratch Financial

> Scratch Financial provides installment financing through Scratch Pay and integrated payment processing through Scratch Checkout. Founded by John Keatley and Caleb Morse in 2016, the Pasadena company serves pet owners and veterinary practices across the United States and Canada, with a historical expansion into human healthcare financing.

- **Founded:** 2016
- **Headquarters:** Pasadena, United States
- **Founders:** John Keatley (Co-Founder and CEO), Caleb Morse (Co-Founder and President)
- **Products:** Scratch Pay, Scratch Checkout, Interest Waived Offer
- **Notable:** Over 5,000 partner pet hospitals and over 70,000 pets helped, company-reported in October 2019., Over 10,000 practices using financing and payment tools, company-reported in September 2022., Over 17,000 Scratch Pay providers as of September 2025, according to Scratch.

## Products & services

- **Scratch Pay** — Closed-end installment financing for care. Current U.S. advertised terms include $200-$10,000 loans, 12-24 months, 0%-36% APR and a $15 down payment, subject to approval; WebBank issues U.S. loans.
- **Scratch Checkout** — Practice-integrated payment processing with terminals, digital wallets, text-to-pay, email-to-pay, refunds, recurring payments and reconciliation. Pricing is separate from financing provider fees.
- **Interest Waived Offer** — Eligible borrowers on selected 12- or 18-month loans can have interest waived by paying principal within six months while meeting promotional conditions.

## Achievements

- Over 5,000 partner pet hospitals and over 70,000 pets helped, company-reported in October 2019.
- Over 10,000 practices using financing and payment tools, company-reported in September 2022.
- Over 17,000 Scratch Pay providers as of September 2025, according to Scratch.
- Inc. 5000 ranks: No. 569 in 2024, No. 430 in 2025 and No. 751 in 2026; Inc. reports 461% three-year growth for its 2026 listing.

## Latest updates

- **2026-08** — Inc.’s 2026 annual list ranks Scratch No. 751 with 461% three-year growth.
- **2026-05** — Announced a purchase facility with Victory Park Capital on May 13; amount was not disclosed.
- **2026-03** — Payment Services Agreement updated March 10, 2026.
- **2025-07** — Announced CareVet payment-processing partnership on July 17, 2025.
- **2024-01** — Announced Blue Rabbit online-pharmacy payments partnership on January 11, 2024.

## Links

- Website: https://scratchpay.com
- LinkedIn: https://www.linkedin.com/company/scratchfinancial
- 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/scratch-financial
Published by YesPress — https://yespress.io
Last updated: 2026-10-07