Patch is the financial layer for labor-intensive small and mid-sized businesses. One platform delivering invoice factoring, premium finance, earned wage access, workplace loans, and the Patch card — all through a single payroll integration.
Financial tools for the businesses that run on people
Small and mid-sized business owners in labor-intensive industries (construction, manufacturing, transportation, hospitality, security, staffing)
Channel partners: independent insurance brokers, CPA firms, and payroll companies
Financial tools for labor-intensive industries
Channel partner distribution for fintech
Turn unpaid invoices into working capital the same week. Built for businesses where payroll runs faster than customer payments.
Insurance premium financing delivered through independent insurance brokers. Currently live in TX, CA, FL, IL, NC, SC.
Workers access earned wages between paychecks. No cost to the business to offer.
Small-dollar loans for the workforce, delivered through the workplace and repaid via payroll.
A debit card for the workforce, tied to payroll.