Invoice Factoring
Turns unpaid invoices into cash now. Solves the timing problem bank lines of credit don't.
- Advances up to 98% of invoice value within 24 hours
- No long-term contract or volume minimums
- Built for 30 to 60 day customer payment cycles
Working capital for the business. Paycheck Access for the workforce. Built on one payroll integration, delivered through licensed partners.
See if Patch fits your businessTools for both sides of payroll. Two categories. Five products. Designed to work together, not as separate tools.
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 your 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.
The structural choices that make Patch a platform rather than five separate products.
Connect Patch to your payroll once. Start with the tool that solves your most pressing problem. When the next one makes sense, it's a click, not another onboarding.
Connect to Patch and explore what's there. No subscription, no per-seat license, no minimum. Activate the products that fit when they fit.
Every product on Patch is delivered through licensed, regulated partners. Real financial products, built by the people who specialize in them. Patch is the platform that ties them together and connects them to your payroll.
Start a conversation with the Patch team. We'll talk through your business, what's putting pressure on cash flow and workforce, and which products would actually help. No commitment, no pitch.