of American workers live paycheck to paycheck. Higher in labor-intensive industries.
Your clients trust you with their books. You see the payroll stress, the slow receivables, the financial drag. Patch gives you something to recommend.
of American workers live paycheck to paycheck. Higher in labor-intensive industries.
of small business failures cite cash flow problems.
Average time to collect on an invoice. Payroll runs every two weeks.
of cash reserves on hand for the average SMB.
The hard part has been what to recommend. Bank loans require collateral your clients don't have. Payday lenders are too expensive to recommend. Workforce tools target enterprise HR. Patch is what's been missing.
One platform, on both sides of payroll. Every product is delivered through licensed, regulated partners.
Cash flow your clients can access
Invoice Factoring on a 30 to 60 day cycle. Turn unpaid receivables into working capital the same week. For clients where payroll runs every two weeks and customer payments take six to ten. Premium Finance is also part of the working capital toolkit, typically managed through the client's insurance broker.
Financial tools your clients can offer their workforce
Earned Wage Access, affordable Workplace Loans, and the Patch Card with direct deposit and instant access. Offered by the business, activated by the worker. The retention impact shows up in payroll runs and benefit costs within a quarter.
You don't sell anything. You don't add a product line. You don't take on financial services liability. When you see a client whose books are showing the patterns Patch was built for, you introduce them. We meet the client, understand the situation, and offer what fits. The advisory relationship stays with you. Per-introduction recognition reflects the value of the introduction.
A client where you see the financial patterns Patch was built for. We start with a conversation about the situation, not a pitch.
Qualification, presentation, onboarding, ongoing support. Workforce activation happens through your client's existing payroll system. You stay informed but don't carry the operational lift.
Per-introduction recognition when clients enroll on platform products. Paid clearly, reconciled monthly.
The questions worth asking, answered directly.
Per-introduction recognition is structurally similar to standard referral arrangements that exist across professional services. It's disclosed, it's transparent, and many CPAs already participate in similar arrangements for insurance, banking, and financial services referrals. At this stage, we're being deliberate about who we partner with. Small, selective, focused on the right CPAs in the right markets. We can provide written documentation of the arrangement for your firm's records and compliance review.
Right. The first conversation with Patch is not asking you to pitch anything. We walk you through every product, the pricing, the delivery partner, and the typical client profile. Many CPAs spend a call or two understanding the platform before referring anyone. For CPAs who want to be part of the client conversation to make sure they see the value alongside us, that's an option too. The introduction comes when you're confident, not when we're ready to enroll.
No. The introduction itself takes a sentence in an email or a one-line mention in a meeting. After that, Patch carries the operational lift. You stay informed through periodic updates. Most partner CPAs spend less than 10 minutes a month on the relationship, and most of that is reading a status email.
Patch is the financial partner for businesses that run on people. The partnership we're building with CPAs is how that financial partnership reaches the clients you advise.
If you advise small businesses and Patch sounds like something your clients could use, drop a note. Someone from the partnerships team will reach out within one business day.