The Scratch story began with a lesson in limited options available to pet owners facing an unexpected vet bill.
First... There was Hobbs.
When one of our founders rescued an abandoned kitten from a Los Angeles dumpster, he and his wife were immediately faced with the hefty cost of unplanned veterinary bills. He knew there had to be a way for pet owners to afford the care their pets need. Finding Hobbs inspired Scratch, our next-generation lending platform—where transparency and simplicity are at the heart of the business.
Since starting our journey in 2016, Scratch has grown to provide a broad array of financial services to Veterinarians and the Clients that rely on them. We believe that improving accessibility and reducing friction in veterinary care is at the core of a healthy veterinary landscape.
Join Thousands of Leading Veterinary Hospitals
Veterinary Offices Use Scratch
Scratch can be used at most vet offices in the U.S. and Canada.
Of U.S. Veterinary Transactions Run on Scratch
Scratch Checkout truly powers the industry.
Net Promoter Score
Vets and borrowers love Scratch—and it shows with our high NPS!
We care about care.
John
Founder/CEO
Caleb
Founder/ President
Trevor
Revenue
Angela
Technology & Operations
Paul
Finance
Sara
Legal & Compliance
Jordan
Product
Katy
Business Operations & Partnerships
We really care about helping animals and the people who care for them. In all we do, we put the needs of our partners, customers, and colleagues first.
We want every pet to have access to the care they need to lead happy, healthy lives.
We keep it real. We’re driven by data, but inspired by our values and vision.
In an industry as overly complex as financial services, we strive to make our products simple, clear, and user-friendly.
By staying focused on our goals, we aim higher and move faster.
We believe patients deserve access to affordable care.
As the leader in payment processing and financing for veterinary practices across the U.S. and Canada, we’re creating products and services that simplify and add delight to patient and practice experiences.
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Scratch Pay plans in the U.S. are issued by WebBank. Scratch Pay plans in the U.S. are subject to eligibility and may not be available in all states.
In Canada, loans are issued by Scratch Financial, Inc.
Scratch Financial, Inc. DBA Scratchpay (NMLS ID 1582666).
© 2026 Scratch Financial, Inc. All Rights Reserved.
Scratch, Scratch Pay, Scratchpay, Scratch Checkout, and the Heart Logo are trademarks of Scratch Financial, Inc.
