of small businesses fail because of cash flow problems.
One platform delivering working capital for the business and financial tools for the workforce. Built for labor-intensive small businesses and distributed through the partners they already trust.
of small businesses fail because of cash flow problems.
of American workers live paycheck to paycheck. Higher in labor-intensive industries.
the annual cost of workforce financial stress on American employers.
This isn't a market we picked. It's a problem we lived. So we built a platform that gives both sides real tools.
One company. Built for SMBs. Delivered through the partners they already trust.
Five products. Two sides of payroll. One platform.
The partners these businesses trust, with something new to help them run it.
Add working capital and worker benefits to the policies they already write.
Give clients a tool to act on the cash flow advice they already give.
Layer financial tools onto the payroll system they already run.
Offer financial wellness tools that go beyond traditional benefits.
Bring members a benefit that solves a real problem.
Labor-intensive businesses where the workforce is the operation.
Long invoice cycles. Hourly crews under cash pressure.
Capital-intensive operations. Hourly workforce under 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.
Most come through channel partners. Direct conversations welcome too.
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.
Patch serves labor-intensive small businesses in construction, manufacturing, transportation, hospitality, security, and staffing. Most come to us through the insurance brokers, CPAs, and other partner channels they already have relationships with and trust.
Direct conversations welcome too.
Insurance brokers, CPAs, payroll companies, trade associations, benefits brokers. Patch makes your client conversations more valuable. New revenue, stronger client relationships, and more ways to help your clients run their business.
Construction, manufacturing, transportation, hospitality, security, staffing. Patch gives you working capital for the business and financial tools for the workforce. One platform, built for the way your business actually runs.
The platform is built differently because the businesses we serve are built differently.
Getting on Patch costs the business nothing. No subscription, no per-seat license, no minimum. The platform is free to use. Products generate revenue only when they're used.
Most fintech stacks require a separate setup for each product. Patch runs every product on the same payroll connection. Adding the next one takes a click, not an onboarding.
Construction, manufacturing, transportation, hospitality, security, staffing. The businesses where payroll is the largest line item and the workforce is the operation.
"I ran three companies before this one. Nobody was building the financial layer these businesses actually need. So we did."