Scratch

Scratch is transforming the antiquated business of getting America's $13 trillion household debt repaid by aligning the financial interests of lenders and borrowers. The Scratch loan servicing platform empowers borrowers with tools to better understand, manage and pay back their loans, while providing lenders accurate, real-time portfolio insights. By automating the complexities of loan management, Scratch can devote more resources to giving borrowers the attention and guidance they deserve. Built by a team of Silicon Valley consumer tech nerds, Washington D.C. regulatory wonks, and recovering Wall Street bankers, Scratch's headquarters are in San Francisco. Scratch investors include Index Ventures, Ribbit Capital, Founders Fund, Nyca Partners and CFSI JPMorgan Chase.