When was Scratch founded?

Scratch was founded in 2015 and raised its 1st funding round 1 year after it was founded.

Where is Scratch located?

Scratch is headquartered in San Francisco, United States. It is registered at PO Box 411285, San Francisco, CA 94141-1285..

How many employees does Scratch have?

As of Apr 30, 2026, the latest employee count at Scratch is 59.

Is Scratch a funded company?

Scratch is a funded company, having raised a total of $17.2M across 2 funding rounds to date. The company's 1st funding round was a $***** Seed round, raised on Jun 20, 2016.

When was the latest funding round of Scratch?

Scratch's latest funding was a $***** Series A round on Sep 17, 2018, with participation from 6 investors. Its primary sector is Alternative Lending. In United States, the Alternative Lending sector has seen $1.79B in funding in 2026 to date.

Where does Scratch rank among its competitors?

Scratch ranks 9th amongst 61 active competitors, of which 11 are funded. It stands 5th in terms of total funding among its competitors. The most recent competitor to raise funding was Grad Joy, which secured $37.4M in May, 2024.

Who are the top competitors of Scratch?

Scratch's top competitors include EarnUp, Bright and Student Loan Hero. Among them, Grad Joy secured the most recent funding round in May, 2024.

Scratch - 2026 Company Profile, Team, Funding & Competitors

Company Details

Scratch is an online platform that helps borrowers to manage and pay off their loans. Enables the users to gain visibility into all their debt from student loans to car payments to mortgages in one place. If a user wants to change a payment due date to align with their payday, or adjust their monthly payment amount, this can easily be done online.

Website: scratch.fi
Social
Email ID: *****@scratch.fi
Registered Address: PO Box 411285, San Francisco, CA 94141-1285.

Key Metrics

Founded Year

2015

Location

San Francisco, United States

Stage

Series A

Total Funding

$17.2M in 2 rounds

Latest Funding Round

Series A, Sep 17, 2018, $*****

Investors

JPMorgan Chase & 8 more

Ranked

9^th among 61 active competitors

Employee Count

59 as on Apr 30, 2026

Similar Companies

EarnUp & 162 more

View Scratch's full profile

Scratch is associated with 1 legal entity given below:

Legal Entity Name	Date of Incorporation	Revenue	Latest Employee Count	Documents
SCRATCH SERVICES, LLC CIN: 5888459 , United States, Active	Nov 24, 2015	-	9 (As on Dec 31, 2022)	-

Scratch has raised a total funding of $17.2M over 2 rounds. Its first funding round was on Jun 20, 2016. Its latest funding round was a Series A round on Sep 17, 2018 for $*****. 6 investors participated in its latest round. Scratch has 9 institutional investors.

Here is the list of recent funding rounds of Scratch:

Date of Funding	Funding Amount	Round Name	Post-Money Valuation	Revenue Multiple	Lead Investors	Other Investors
Sep 17, 2018	3037039	Series A	7665238	8851312	6837692	1408591
Jun 20, 2016	1433917	Seed	3382269	8381826	Financial Solutions Lab	8705465

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View details of Scratch's funding rounds and investors

The founders of Scratch is John Banks. Sameh Elamawy is the CEO of Scratch.

Here are the details of Scratch's key team members:

John Banks: Founder / Senior Graphic Designer of Scratch and founder of 1 other company.
Sameh Elamawy: CEO of Scratch.
Contact Info: 1 email address

View details of Scratch's Founder profiles and Board Members

Scratch's employee count trend

Scratch has 59 employees as of Apr 26. Here is Scratch's employee count trend over the years:

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Top competitors of Scratch include EarnUp, Bright and Student Loan Hero. Here is the list of Top 10 competitors of Scratch, ranked by Tracxn score:

Rank	Company Details	Short Description	Total Funding	Investors	Tracxn Score
1st	EarnUp 2014, San Francisco (United States), Acquired	Online debt repayment platform for consumers	$59.2M	KeyBank, Financial Solutions Lab & 15 others	64/100
2nd	Bright 2019, San Francisco (United States), Series B	Provider of financial technology solutions for debt reduction and credit building	$43M	Hummingbird Ventures, Alpha Wave Global & 14 others	63/100
3rd	Student Loan Hero 2012, New York City (United States), Acquired	Online platform for Student debt tools, calculators, and repayment plans	$65K	EvoNexus, Expansion Venture Capital	49/100
4th	Freedom Financial Network 2002, San Mateo (United States), Series D	Provider of debt consolidation and relief solutions	$235M	Stone Point Capital, Vulcan Capital & 3 others	49/100
5th	Pillar 2018, New York City (United States), Acquired	Loan management app	$5.5M	Kleiner Perkins, Day One Ventures & 14 others	45/100
6th	Charlie 2016, San Francisco (United States), Acquired	Provider of a personal finance application that managed debt repayment	$9M	Peterson Partners, Propel Venture Partners ... & 2 others	44/100
7th	MessagePay 2005, Alpine (United States), Unfunded	Conversational loan payment solutions	-	-	42/100
8th	Payitoff 2017, New York City (United States), Acquired	API-enabled student loan repayment solutions for lenders	$11M	Lightspeed Venture Partners, Sound Ventures ... & 3 others	42/100
9th	Scratch 2015, San Francisco (United States), Series A	Online platform to manage and pay off debts	$17.2M	Catapult, Ribbit Capital & 7 others	42/100
10th	Grad Joy 2019, Austin (United States), Series B	Debt management platform	$37.5M	Y Combinator, Cameron Ventures	41/100