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 Sep 30, 2026, the latest employee count at Scratch is 60.

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.

Where does Scratch rank among its competitors?

Scratch ranks 12th amongst 180 active competitors, of which 17 are funded. It stands 4th in terms of total funding among its competitors. The most recent competitor to raise funding was Bright Money, which secured $12M in Sep, 2023.

Who are the top competitors of Scratch?

Scratch's top competitors include Bright Money, EarnUp and NuovoPay. Among them, Bright Money secured the most recent funding round in September, 2023.

Scratch - 2026 Company Profile, Funding & Competitors

Scratch is a series A company based in San Francisco (United States), founded in 2015. It operates as an Online platform to manage and pay off debts. Scratch has raised $17.2M in funding from JPMorgan Chase and Financial Solutions Lab. The company has 180 active competitors, including 17 funded and 10 that have exited. Its top competitors include companies like Bright Money, EarnUp and NuovoPay.

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

12^th among 180 active competitors

Employee Count

60 as on Sep 30, 2026

Similar Companies

Bright Money & 188 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	Reports
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	3870659	Series A	1605304	8980775	4440833	3885978
Jun 20, 2016	4221712	Seed	2534855	8248625	Financial Solutions Lab	2424836

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Scratch's employee count trend

Scratch has 60 employees as of Sep 26. Here is Scratch's employee count trend over the years:

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Top competitors of Scratch include Bright Money, EarnUp and NuovoPay. 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	Bright Money 2019, San Francisco (United States), Series B	Provider of financial technology solutions for debt reduction and credit building	$43M	Alpha Wave Global, Hummingbird Ventures & 14 others	72/100
2nd	EarnUp 2014, San Francisco (United States), Acquired	Online debt repayment platform for consumers	$59.2M	Financial Solutions Lab, LendingTree & 15 others	63/100
3rd	NuovoPay 2019, Pune (India), Unfunded	Loan life cycle management solutions for leasing & asset financing	-	-	51/100
4th	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
5th	BEST 1994, Elblag (Poland), Public	Online platform for consumer debt repayment	-	-	49/100
6th	Freedom Financial Network 2002, San Mateo (United States), Series D	Provider of debt consolidation and relief solutions	$235M	Vulcan Capital, Comvest Partners & 3 others	49/100
7th	Pillar 2018, New York City (United States), Acquired	Loan management app	$5.5M	Kleiner Perkins, Day One Ventures & 14 others	46/100
8th	Collekto 2018, Mumbai (India), Seed	Fintech company specializing in retail debt collections	$128K	SEP Ventures, CENSIE & 16 others	45/100
9th	GreyMatter Technologies 2018, Mumbai (India), Seed	Provider of agri-inputs on credit via a community commerce platform	$408K	July Ventures, CIIE & 19 others	44/100
10th	Charlie 2016, San Francisco (United States), Acquired	Provider of a personal finance application that managed debt repayment	$9M	Uncork Capital, Propel Venture Partners & 2 others	44/100
12th	Scratch 2015, San Francisco (United States), Series A	Online platform to manage and pay off debts	$17.2M	Catapult, JPMorgan Chase & 7 others	44/100