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Application in Minutes

Our encrypted application tool takes you from loan construction to submission in minutes. Your information will result in a 'soft pull' from the credit bureaus without hurting credit.

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Underwriting

Within hours fraud, OFAC and credit reports are pulled, reviewed and decided upon.  If okay, a loan document with a unique collateral wallet at Coinbase is generated. Take time to review the terms and send back when ready.

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Back Office Systems and Asset Verification

Our back office systems were designed to keep your information safe and to expedite its review.  You are entitled to quickly receive notification of your application's status.  Once approved, provided the application is completed and collateral transferred, you are further entitled to quickly receive funds. 

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Collateral Transfer and Funding

When we receive your executed loan document and verify your collateral is with Coinbase, the loan will be funded to the account number you provide.

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Servicing

Scratch adapts to your payment communication preferences. We only work with thoroughly vetted and experienced vendors.