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Who We Serve

Built for every kind of veterinary practice

From general practices to equine barns, Scratch handles payments and financing for 12,000+ veterinary offices across the U.S. and Canada.
Visit us at VHMA 2026 - Booth #24
Sept 10th - Sept 12th.  Reno, NV
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General
Practice
Veterinarian holding a calm dog and a clipboard with notes, surrounded by light rays.
The backbone of veterinary care. Scratch helps GP practices offer flexible payments.
Emergency & Specialty
Veterinarian using stethoscope to check a happy dog on a table with medical clipboard nearby.
When costs are high and unexpected, financing bridges the gap between care and affordability.
Equine
Practice
Woman gently holding the head of a white horse with a blue bridle against a blue background.
Large-animal care with large price tags. Scratch brings financing to the barn and to the field.
Corporate &
Multi-location
Woman at desk with computer and cat on her arm, dollar sign with checkmark floating nearby.
Enterprise tools for groups managing payments across multiple locations.
Dental &
Oral Surgery
Person with blue skin and bun hairstyle petting a content gray cat with a heart above them.
Dental procedures are among the most common – and most declined. Payment plans change that.
Mobile &
House-call
Person holding a dog with a credit card and a glowing wallet icon nearby.
Payment processing that goes where you go. Tap-to-pay, text-to-pay, no hardware required.
12,000+
practices use Scratch
20%
of U.S. vet transactions
80
net promoter score
$900
average monthly savings
Scratch

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.

BORROWERS

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PRACTICES

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LEGAL
NMLS CONSUMER ACCESS
CREDIT EDUCATION PROGRAM
CALIFORNIA PRIVACY NOTICE

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.