Scratch Financial
Scratch Financial Mission, Purpose & Impact
Frequently Asked Questions
Scratch's mission is to break down the financial barriers that prevent pet parents from accessing affordable care, and our products are built around that goal. With Scratch Pay, pet parents can check their options in minutes without affecting their credit score, then spread the cost of treatment over time. Scratch pays the practice directly, so pets can get care right away. For veterinary practices, Scratch Checkout brings payments into one simple, integrated platform, helping teams spend less time on admin and more time on patients. Today, more than 19k practices across the U.S. and Canada trust Scratch.
Every day, Scratch helps pet parents say yes to the care their animals need, even when unexpected costs arise. Beyond financing, we enable pet owners and veterinary practices to support community causes with our checkout-based donation capabilities. We also support the veterinary community with free educational resources, including webinars on practice efficiency and change management, and research such as our State of Surcharging white paper, which draws on data from more than 1,000 veterinary hospitals. By helping practices lower costs and simplify operations, we make it easier for veterinary teams to focus on what matters most: caring for animals.
Scratch’s values guide how we treat our customers and each other every day. They show up in what we build: straightforward payment plans that help more pet parents say yes to the care their pets need, and software that brings veterinary practice payments together in one simple platform, so teams can spend less time on admin and more time with patients. And by staying focused on veterinary care, we can aim higher and move faster for the practices we serve.
Internally, our three core values shape how we work. We have a growth mindset, where curiosity, feedback, and vulnerability help us get it right rather than be right. Working to make others successful is at the core of how we work with colleagues and customers. And efficiency is at the heart of how we operate and the value our products deliver.
