of American workers live paycheck to paycheck. Higher in labor-intensive industries.
Your clients run payroll. Their workers carry financial stress. Patch gives them more than one way out, and gives you a deeper relationship with the clients you already serve.
of American workers live paycheck to paycheck. Higher in labor-intensive industries.
APR. $520 in fees on a $375 payday loan is typical.
of annual salary to replace a frontline worker.
401(k) hardship withdrawals in 2025.
You see the workforce stress in the data. Your clients see it on the floor. Patch is the platform that puts real financial tools in front of both of you, on the infrastructure you already run.
One platform, on both sides of payroll. Every product is delivered through licensed, regulated partners.
Earned Wage Access, affordable Workplace Loans, and the Patch Card with direct deposit and instant access. Offered by the business, activated by the worker.
Workers tap wages they've already earned, before payday.
Affordable installment loans repaid through payroll.
Direct deposit and instant access for the workforce.
Invoice Factoring on a 30 to 60 day cycle. Turn unpaid receivables into working capital the same week. For your clients in labor-intensive verticals where payroll obligations don't wait on customer payments. Premium Finance is also part of the working capital toolkit.
Patch is built to extend what your payroll platform already does for your clients.
Workforce financial tools give your clients a reason to stay with you. Patch sits on top of the payroll relationship you already have, making your platform more valuable to the SMBs paying you every month.
Workers using Earned Wage Access reduce overdraft fees and short-term debt cycles. Workers with affordable Workplace Loans get fair financing for emergencies instead of falling into worse options. Workers with direct deposit on a payroll card stop losing money to predatory check cashers. Real financial outcomes, delivered through the payroll system you already operate.
Patch is built on a revenue model that includes partner economics. Whether through usage-based revenue share, per-enrollment recognition, or other structures, partner payroll companies are compensated for the platform usage they enable. We work with each partner to find the structure that fits.
Patch is the financial partner for businesses that run on people. The partnership we're building with payroll companies is how that financial partnership reaches the SMB clients your platform already serves.
Patch is built on a payroll integration layer that works with most major payroll systems through standard data exchange. We don't require platform re-engineering on your end. The exact integration approach depends on your platform architecture, your data access model, and your client base. We work through this with each partner directly. It's typically the first technical conversation, and we'd rather have it with you than guess at the answer here.
No. Patch is not a payroll platform and won't be. We deliver worker financial tools and business cash flow products through the payroll relationship that already exists. Partnership with Patch makes your payroll platform more valuable to your SMB clients, not less. We have no interest in displacing the relationship that powers everything Patch does.
We're in the early stage of building out the payroll partner program, which means partnerships look different right now depending on the partner. Some partners refer their clients to Patch through their account team. Some integrate Patch products into their client-facing portal. Some explore deeper joint go-to-market motions. We'd rather have the conversation about what fits your platform than describe a one-size partnership that doesn't exist.
If you run a payroll platform serving SMBs and Patch sounds like something that could fit, drop a note. Someone from the partnerships team will reach out within one business day.