Construction
Where work happens before invoices clear and payroll never waits.
Cash flow tools for the business. Financial tools for the workforce. One platform, free to access.
Common across the businesses we work with: payroll is the largest line item, customer payments lag behind operating costs, and the workforce is the operation. Patch fits across industries where these patterns are true.
Where work happens before invoices clear and payroll never waits.
Where the next order starts before the last one pays.
Where downtime is lost revenue and payroll runs on time anyway.
Where hourly workers carry the business through every shift.
Where guards on-site come before customers pay.
Where your workforce is your business model.
Payroll, operating costs, the bills that have to clear every week. Customer payments take 30 to 90 days or more. You close the gap personally.
Workers asking for advances. Workers leaving for fifty cents more. Workers showing up distracted.
Bank loans want collateral you don't have. Fintechs want subscriptions you don't need. Worker tools sold to companies ten times your size.
Patch was built differently. One payroll integration, five products, free to access. Built for businesses where payroll runs every two weeks, customer payments lag, and the workforce is the operation. Patch is the financial partner for businesses that run on people.
A worker hit by one overdraft fee loses $35. A worker carrying a payday loan pays 400% APR to bridge to next Friday. A worker raiding their 401(k) for an emergency loses 30% to taxes and penalties.
These aren't edge cases. 62% of SMB workers live paycheck to paycheck. This is what your workforce is managing while showing up to work for you.
The cost trickles back to your business. Replacing a frontline worker runs about 40% of their annual salary, and workers leave for as little as $50 a week more.
Patch gives you something to offer your team that addresses the problem. No cost to your business to offer. Free to your workforce.
of employees say they'd be more likely to work for an employer who offers earned wage access.
APR on workplace loans replaces the 400% APR payday alternatives workers turn to when emergencies hit.
in check-cashing and overdraft fees when workers move their pay onto a payroll card and capture direct deposit.
Frontline worker attrition drops by 38% when EWA is offered to the workforce.
Two working capital tools for your business. Three Paycheck Access tools for your workforce. Same platform, same integration, both sides of your cash flow problem.
Working capital · For the operator
Cash flow that doesn't wait on your customers
Turn unpaid invoices into working capital the same week. Not new debt, structured against the invoices themselves. Built for the businesses where payroll runs faster than customer payments.
Commercial premiums spread to match your cash flow
Spread annual commercial insurance premiums across the policy term. Layered onto policies your broker already writes, not bolted onto a separate process.
Paycheck Access · For the workforce
Access to wages already earned
Workers can access wages they've already earned, before payday. Offered by your business as a benefit. Free via standard ACH transfer; instant transfer available for a fee.
Affordable installment loans for life's emergencies
Workers can access affordable installment loans at 19.99% APR through your business. Repayment through payroll deduction. A real alternative to the worse options workers turn to when emergencies hit.
Payroll card for workers. Where EWA lands, and where direct deposit goes.
Direct deposit and instant access to wages. Workers can use it as their primary account or alongside an existing one.
Paycheck Access products launch July 2026. We're talking to businesses now to get them ready for launch.
Getting on Patch costs your business nothing. No subscription, no per-seat license, no minimum. Some products carry usage-based pricing when activated; worker tools are free to both sides.
Start with what addresses your most pressing problem. Add more when it makes sense.
Patch worker tools activate through your existing payroll system. We coordinate the rollout, communicate to your workforce on your terms, and make enrollment easy.
You decide which products to offer and how to roll them out. The platform works for your business, not the other way around.
Start a conversation with the Patch team. We'll talk about your business, what's putting pressure on cash flow and workforce, and whether Patch is a fit.
No commitment, no pitch.