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Scratch Financial, widely known by its product name Scratchpay, is a financial technology company dedicated to making essential care more accessible and affordable. They specialize in offering simple, transparent 'Care Now, Pay Later' payment plans primarily for veterinary care, but also extending to dental, vision, and other medical expenses. Scratchpay provides patients and clients with instant financing options, often without impacting their credit score to check eligibility, and emphasizes no hidden fees, no prepayment penalties, and no deferred interest in many of its plans. Their mission is to help more people access the care they need for their pets and themselves through ethical and straightforward financial products.
The Pasadena headquarters serves as the primary center for Scratch Financial's operations, including product development, engineering, marketing, sales, customer support, and corporate leadership. It's where strategic decisions are made to drive the company's mission.
Located in a modern office building in a prominent Pasadena business district, the headquarters is designed to support a dynamic and growing team focused on financial technology.
Scratch Financial fosters a mission-driven, collaborative, and innovative work environment. Employees are typically passionate about increasing access to care and are encouraged to contribute creatively to solutions. The culture emphasizes transparency, agility, and a strong customer-centric approach, aiming to build trust with both service providers and end-users.
The Pasadena headquarters is strategically significant due to its proximity to Southern California's rich talent pool in technology, finance, and healthcare. It acts as the command center for its North American operations and product innovation.
Scratch Financial primarily operates and offers its patient financing services through Scratchpay within the United States and Canada. Their focus is on providing accessible payment solutions for veterinary, dental, and other healthcare services to consumers in these North American markets, partnering with thousands of clinics and practices.
225 S. Lake Ave, Suite 1300
Pasadena
CA
USA
No additional office locations available.
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As of April 2025, Scratch Financial' leadership includes:
Scratch Financial has been backed by several prominent investors over the years, including:
Publicly available information on specific executive new hires or exits at Scratch Financial within the immediate last 12 months is limited. The company generally maintains a stable leadership team focused on scaling its services and expanding its market reach. Any significant changes are typically announced through official channels or industry news.
Discover the tools Scratch Financial uses. Highperformr reveals the technologies powering your target accounts — helping your sales, marketing, and GTM teams prioritize smarter and close faster.
Scratch Financial (operating as Scratchpay) likely uses common professional email formats. Based on industry patterns and available data, the primary format appears to be using the first name.
{first}@scratchpay.com (e.g., jane@scratchpay.com) is a highly common format. Another possible format is {first}.{last}@scratchpay.com (e.g., jane.doe@scratchpay.com).
Format
john@scratchpay.com
Example
85%
Success rate
PR Newswire • 2024-02-22
Scratch Financial announced the launch of a new deferred interest payment plan, 'Pay Over Time PLUS,' for Canadian pet owners, offering more flexibility for managing veterinary expenses. This plan allows users to make no payments for the first 30 days and pay no interest if the principal is paid in full within a promotional period....more
PYMNTS.com • 2023-11-29
Scratch Financial is leveraging Amazon Web Services (AWS) to enhance its platform, aiming to provide more affordable and accessible pet care financing. The collaboration focuses on using AWS's cloud capabilities to scale operations, improve data analytics, and innovate on financial products for pet owners....more
PR Newswire • 2023-03-15
Scratchpay, a leading provider of 'Care Now, Pay Later' payment plans, announced its expansion into the human healthcare market with the launch of a new financing option specifically for dental services. This move marks a significant step in Scratchpay's mission to make essential care more accessible beyond the veterinary space....more
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