VIVA Finance, a fast-growing fintech company focused on expanding affordable credit, has secured over $220 million in new funding to grow its reach and offer employment-based loans to more working Americans. The fresh capital will help VIVA scale its operations, deepen employer partnerships, and bring accessible financial services to underserved communities across the US.

With over $220 million raised through a combination of equity and a flexible debt facility from Community Investment Management (CIM), VIVA Finance plans to reimagine affordable credit offerings to working Americans.

“Securing this capital from a respected, impact-focused partner like CIM validates the strength of our model and our mission,” said Jack Markwalter, Co-Founder & Chief Executive Officer of VIVA Finance. “We’re proud to be building a business that’s not only profitable and growing quickly, but one that’s fundamentally reshaping access to credit for working Americans.”

Rather than relying on traditional credit scores, the fintech company uses a borrower’s job status to underwrite personal loans, paving the way for a more inclusive financial model.

This employment-based loan model ensures that borrowers can access responsible credit and avoid costly payday loans or high-interest cash advances. The capital infusion positions VIVA Finance to accelerate its national expansion and help thousands more gain access to fair financial solutions.

A Fintech Company Fueled by Impact Capital

The majority of the new capital comes from CIM, a leader in impact investing that backs responsible innovation in financial services. CIM’s alignment with VIVA Finance reinforces the shared mission of expanding access to affordable credit through ethical and sustainable lending models.

With over $250 million in loan originations since its launch in 2020, VIVA Finance has built a profitable, fast-growing platform by offering transparent, employment-based loans that cater to the real-world needs of working Americans. The additional $220 million will provide the necessary liquidity to sustain the upward trajectory.

“VIVA Finance is tackling one of the most persistent problems in consumer finance–access to fair credit for working Americans,” said Jacob Haar, Co-Founder and Managing Partner of Community Investment Management. “They have built a business that’s not just growing fast–it’s delivering real impact. CIM is proud to back a team that’s making credit fairer and more accessible in a way that’s built to last.”

Serving Working Americans with Fair, Transparent Credit

At its core, VIVA Finance believes that working Americans deserve access to affordable credit, regardless of their credit history. The fintech company offers low-friction loans repaid directly through payroll deduction, minimizing risk and eliminating hidden fees. Its user-friendly platform helps borrowers manage unexpected expenses, build financial resilience, and avoid predatory lenders.

By using employment as the primary qualifier, employment-based loans help fill a critical gap in today’s lending market. Tens of thousands of people across the US have already benefited, collectively saving millions in interest payments.

Recognized by Deloitte Technology Fast 500, Inc. 5000, and Forbes for rapid growth and innovation, VIVA Finance continues to invest in technology, infrastructure, and talent to scale its impact. The newly raised $220 million will support the fintech company’s expansion across employer partnerships and the development of new loan products tailored for working Americans.

With this funding, VIVA Finance plans to serve even more borrowers, strengthen its operational foundation, and expand its vision of affordable credit to millions who traditional financial systems have long overlooked.

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