Patch
type: Organization
type: FinancialService
legal name: Patch Systems
description: 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.
slogan: Financial tools for the businesses that run on people
founding date: 2025
founder: Alan Chang
  type: Person
  job title: Founder & CEO
contact point: ContactPoint
  contact type: customer support
  area served: US
  available language: en
area served: United States
audience: Audience
  audience type: Small and mid-sized business owners in labor-intensive industries (construction, manufacturing, transportation, hospitality, security, staffing)
audience: Audience
  audience type: Channel partners: independent insurance brokers, CPA firms, and payroll companies
knows about: Invoice factoring
knows about: Insurance premium finance
knows about: Earned wage access
knows about: Workplace loans
knows about: Payroll-integrated employee benefits
knows about: Working capital for small businesses
knows about: Financial tools for labor-intensive industries
knows about: Cash flow management for SMBs
knows about: Channel partner distribution for fintech
has offer catalog: Patch Platform
  type: OfferCatalog
  item list element: Offer
    item offered: Invoice Factoring
      type: FinancialProduct
      description: Turn unpaid invoices into working capital the same week. Built for businesses where payroll runs faster than customer payments.
  item list element: Offer
    item offered: Premium Finance
      type: FinancialProduct
      description: Insurance premium financing delivered through independent insurance brokers. Currently live in TX, CA, FL, IL, NC, SC.
  item list element: Offer
    item offered: Earned Wage Access
      type: FinancialProduct
      description: Workers access earned wages between paychecks. No cost to the business to offer.
  item list element: Offer
    item offered: Workplace Loans
      type: FinancialProduct
      description: Small-dollar loans for the workforce, delivered through the workplace and repaid via payroll.
  item list element: Offer
    item offered: Patch Card
      type: FinancialProduct
      description: A debit card for the workforce, tied to payroll.