Servicing versatility Scratch can service multiple asset classes (private student loans, personal loans, mortgages, small business loans) and tailor features to borrowers, presenting opportunities to upsell additional servicing capabilities or expand lender partnerships across more product lines.

Lender growth partner Position Scratch as a growth-focused loan servicing partner that enables lenders to scale with innovative servicing solutions and custom features, highlighting the Paycheck Protection Program (PPP) platform as a case study for government-backed or specialized loan forgiveness workflows.

Empathetic engagement Emphasize the advisory model with Loan Guides for empathetic, personalized guidance, which can be packaged as a differentiator in sales pitches to lenders seeking higher borrower satisfaction, retention, and performance in distressed or complex repayment scenarios.

Compliance and credibility Leverage the Great Place to Work certification and NMLS licensing to build credibility with potential clients, while offering robust compliance-backed servicing processes to de-risk partnerships and accelerate onboarding.

Tech-enabled efficiency Promote Scratch’s tech stack and automation capabilities (Looker, UiPath, Terraform, HubSpot Content Hub) as a selling point for lenders looking to improve reporting, workflow automation, and scalable servicing operations with transparent data insights.