Contact us


If you have a PPP loan serviced by Scratch, you will receive a welcome email from Scratch and can log into your account at to complete and submit your loan forgiveness application.


We're available during the hours of 9AM - 8PM Monday through Thursday and 9AM - 5PM Friday ET. See below for the 2022-2023 holidays we observe.

Chat with us

Log in to your account at and use the chat bubble on the bottom right of the page to chat with us during support hours.

Mailing a check

To mail a check via the United States Postal Service, please make it out to Scratch and send to:

  • Scratch Services, LLC
  • PO BOX 888654
  • Los Angeles, CA 90088-8654

To mail a check via any other carrier (e.g. Fedex, UPS, DHL), please make it out to Scratch and send to:

  • Lockbox Services - #0138654
  • Scratch Services, LLC
  • 3440 Flair Dr.
  • El Monte, CA 91731

Sending a letter

If you’d like to send us a letter (not a check), please send to:

  • Scratch Services, LLC
  • PO Box 411285
  • San Francisco, CA 94141-1285

For written correspondence sent via email or snail mail, please include your name and account number so we can identify your account. If you believe your account is in error, or if you are requesting specific information (such as a payment history or your promissory note), please include as much information as you can as to why you believe the account is in error or what information you would like. Providing more information will enable us to respond to your request as quickly as possible.

Call us

+1 (844) 727-2684*

*not for use by New York residential mortgage borrowers

For Spanish Speakers

We provide borrower support in Spanish via phone and email. Just contact us using the details above, send a message below or email us at If you’re a New York resident, you can also find a translation and description of commonly-used debt collection terms in multiple languages on the NYC Department of Consumer Affairs’ website.


Scratch observes the following 2023 holidays:

  • January 2nd, 2023 - New Years Day
  • January 16th, 2023 - Martin Luther King Day
  • February 20th, 2023 - Presidents' Day
  • February 24th, 2023 - Limited hours (9am -3pm ET)
  • May 29th, 2023 - Memorial Day
  • June 19th, 2023 - Juneteenth
  • July 3rd, 2023 - Day before Independence Day
  • July 4th, 2023 - Independence Day
  • September 4th, 2023 - Labor Day
  • November 23rd, 2023 - Thanksgiving Day
  • November 24th, 2023 - Day after Thanksgiving (limited hours 10am - 3pm ET)
  • December 22nd, 2023 - Christmas Eve
  • December 25th, 2023 - Christmas Day

Send us a message

Please enter the details of your request. A member of our support team will respond as soon as possible.

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