Fair. Transparent. Reliable. Coming 2026

Money isn't always the problem, timing is

Patch gives businesses and their teams fair, transparent financial tools -- for when timing matters most.

We built Patch to make life between paychecks a little easier; a simple way for businesses to reduce stress, boost morale, and keep great people longer.

No debt traps. No hidden fees. Just a better system for everyone.

Programs for every side of your business

Patch gives businesses an integrated stack of financial tools -- to take care of your team and run the operation.

For your business

Factoring

Invoice factoring to improve business cash flow and meet short-term needs.

Insurance Premium Financing

Finance your commercial insurance premiums and keep capital working.

For your team

Earned Wage Access

Immediate access to already-earned pay.

Payroll Loans

Fair, low-interest loans deducted automatically through payroll.

Debit Card

Modern payroll debit cards that stay with workers even when they change jobs.

Insurance Premium Financing

Spread employee insurance costs into manageable monthly payments.

Each program fills a different need. Together, they give businesses a stronger operation and the people behind them real financial stability.

Good for people. Good for business.

Patch integrates seamlessly with payroll and benefits systems. No tech headaches, no extra admin.

We're here to help businesses operate with strength and care for the people who power them.

Join the Waitlist

Be among the first to bring Patch to your team. Get early access and exclusive updates as we prepare to launch.

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Partner Access

Have an access code? Enter it below to download detailed information about our platform and partnership opportunities.

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