Independent commercial brokers who write the policies these businesses need. Patch adds working capital and worker benefits to the conversation.
Patch delivers financial tools to labor-intensive small businesses through the channels they already trust. Every introduction makes your client relationship more valuable.
One platform. Two sides of payroll. Delivered through partners businesses already trust.
Patch is built to be delivered through partners. Insurance brokers, CPAs, payroll providers, and the others who already serve these businesses. We partner with you to bring financial tools your clients have never had access to, and to strengthen the relationships you've already built.
Independent commercial brokers who write the policies these businesses need. Patch adds working capital and worker benefits to the conversation.
CPA firms advising small businesses on cash flow, growth, and operations. Tools your clients can use to act on the advice you give.
Payroll providers serving SMBs. Worker benefits and business cash flow tools that layer onto the system you already run.
Industry and trade associations whose members are the businesses Patch was built for. A member benefit that solves real problems.
Employee benefits brokers serving labor-intensive small businesses. Financial wellness tools that go beyond traditional benefits and directly affect retention.
Patch is built for labor-intensive small businesses. Long invoice cycles. Hourly workforces. Cash flow pressure on the business and financial stress on the workforce. Same problem, two sides of payroll.
Long invoice cycles. Hourly crews under cash pressure.
Capital-intensive operations. Hourly workforce under financial pressure.
Net-30 payment terms. Driver retention pressure.
Seasonal cash swings. High-turnover workforce.
Long-cycle contracts. Guards living paycheck to paycheck.
Cash gap between paying workers and getting paid.
Your clients get the financial tools they need. You stay at the center of the relationship.
These are the channels these businesses already trust.
We're the platform that gives you something new to bring them.
Your clients have been telling you about the same problems for years. You've understood. You haven't had the tools to actually help.
Patch is the tool. The platform delivers working capital, workforce financial benefits, and premium financing through one partnership. You make the introduction. We do the work.
Average time to collect on an invoice. Payroll runs every two weeks.
of small business failures cite cash flow problems.
of American workers live paycheck to paycheck. Higher in labor-intensive industries.
Financially stressed employees are twice as likely to leave their job.
Built on a single payroll integration. Tools for both sides of payroll. Delivered through licensed, regulated partners.
Working capital · For the operator
Turns unpaid invoices into cash now. Solves the timing problem bank lines of credit don't.
Spreads commercial insurance premiums across the policy term. Built for independent insurance brokers and the businesses they serve.
Paycheck Access · For the workforce
Workers access earned wages between pay cycles. Replaces the payday lender and the 401(k) hardship withdrawal.
Larger-dollar credit for workers, repaid through payroll. Covers the need EWA can't.
Payroll card for workers. Where EWA lands, and where direct deposit goes.
Five products across both sides of payroll. Working capital for the business. Financial tools for the workforce. Whatever your client's pressure point is this quarter, Patch has something that helps.
Most partnerships address one problem at a time. With Patch, the introduction covers cash flow, workforce financial tools, and premium financing. More value per conversation, without adding more conversations.
You don't change your business to partner with Patch. No new staff, no new product category to learn, no operational lift. Patch is built to slot into the conversations you're already having.
Partners are paid for the introductions that turn into client engagements. Compensation structures vary by partner type and product. We talk through the specifics in the partnership conversation.
Partnership with Patch is built to be operationally light on you and substantive on outcomes.
Your client mentions a problem. You mention Patch. We do the rest. No platform to learn, no software to install, no new processes for your firm.
Patch handles the platform setup, payroll integration, product activation, and ongoing support. You stay in the conversation as the trusted advisor; we handle the operational work.
Your client gets working capital, worker benefits, or both. You get a stronger client relationship and recognition for the introduction. We continue to support both of you.
Mostly nothing. You make introductions. Patch handles platform setup, client onboarding, product activation, and ongoing support. There's no software for your firm to learn, no processes to change, no staff to add.
Compensation structures vary by partner type and product. Partners are paid for the introductions that turn into client engagements. We talk through the specifics in the partnership conversation so the structure fits how your firm actually operates.
Invoice Factoring and Premium Finance are live today and ready for client introductions. Paycheck Access (Earned Wage Access, Workplace Loans, and the Patch Card) launches in July 2026. Partners and businesses can start conversations now to be ready at launch.
Patch is built for labor-intensive small and mid-sized businesses, typically with 5 to 500 employees, in industries like construction, manufacturing, transportation, hospitality, security, and staffing. We work best with businesses where payroll is a major operating cost.
If your clients are labor-intensive businesses experiencing cash flow timing pressure, workforce financial stress, or insurance premium financing needs, they're likely a fit. The partnership conversation is where we walk through your specific client base and identify the right starting points.
We tailor the conversation to how your specific channel actually works.
See how Patch fits into commercial insurance brokerage. Premium Finance you control. Working capital tools your clients didn't think to ask about. Workforce tools that fit your retention conversations.
See Insurance BrokersSee how Patch fits CPA advisory motion. The cash flow tools you've been telling clients they need. The workforce tools that show up in the financials you review every quarter.
See CPAsSee how Patch layers onto payroll platforms. Workforce financial tools that activate through the system you already run. Cash flow tools for the businesses you serve.
See Payroll CompaniesTell us about your firm and your clients. We'll walk you through what partnership looks like for your specific motion.