VIVA Finance Secures $150 Million Credit Facility
The Atlanta-based firm plans to use the new capital from Viola Credit to expand its payroll-linked consumer lending operations.
Updated on Oct. 27, 2026 in Credit Cards
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Atlanta-based VIVA Finance has secured a $150 million credit facility from Viola Credit to scale its payroll-linked loan offerings. This financing follows a substantial capital injection of over $220 million that the company raised in July 2025.
Why it matters
The new facility provides essential warehouse capacity for VIVA Finance to grow its consumer lending business across the country. By linking loan repayments directly to employee payrolls, the firm aims to maintain its momentum in the competitive alternative credit space.
VIVA Finance offers loans up to $15,000 with annual percentage rates ranging from 11.99% to 35.99% and repayment terms lasting up to 36 months. Viola Credit manages a total of $5 billion in assets and maintains an asset-based lending volume of $3.5 billion.
The players
VIVA Finance
An Atlanta-based financial services company that specializes in payroll-linked consumer lending products.
Viola Credit
An investment firm managing $5 billion in assets that provides credit facilities to growth-stage companies.
Thread Bank
A financial institution that partners with VIVA Finance to originate consumer loans.
DR Bank
A banking partner that began originating loans for the VIVA Finance platform in 2026.
The details
VIVA Finance utilizes direct deposits from employee paychecks to facilitate the repayment of its consumer loans. The company partners with Thread Bank, DR Bank, and Viva Finance Inc. to originate these financial products.
Timeline
VIVA Finance launched its lending platform in 2020.
The company secured over $220 million in capital on July 16, 2025.
DR Bank began originating loans on the platform on April 28, 2026.
VIVA Finance was named a partner on Benefits+ on June 16, 2026.
The Viola Credit facility was closed on October 20, 2026.
Market Dynamics
This transaction reflects a broader industry shift toward payroll-integrated credit as firms seek to mitigate risk through automated repayment structures. It positions VIVA Finance to compete more aggressively in the personal lending market against traditional banking and fintech alternatives.
The expansion of VIVA Finance's warehouse capacity suggests the firm is preparing to increase its loan origination volume for consumers. Potential borrowers may see increased availability of payroll-linked credit products in the coming months as the company deploys this new capital.
The takeaway
The infusion of $150 million enables VIVA Finance to continue scaling its specific model of payroll-linked lending. Borrowers should always carefully review the APR range of 11.99% to 35.99% before committing to these high-interest consumer loans.
Further reading
For more on the evolving landscape of consumer lending products, visit the Credit Cards section.
Source note: This article includes information reported by The Industry Spread.
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