Scratch is a modern-day loan servicer that helps borrowers understand, manage, and pay back their loans, while providing lenders accurate, real-time portfolio insights. Scratch’s loan servicing platform automates the complexities of loan accounting, treasury management, and reporting. By automating tasks that are traditionally manual and human-driven, we’re able to devote that human interaction to giving your borrowers support and guidance. This shift allows our knowledgeable team of loan guides to act as financial health guidance counselors for borrowers, rather than call agents or loan accountants. We believe people take on debt to get ahead, not to fall behind – we partner with lenders across industries who share this belief and want to join us in our mission to change borrowers’ relationship with debt for the better.