VIVA Finance lands $150M credit facility from Viola to fuel payroll-linked lending
What's the deal? VIVA Finance, an Atlanta-based fintech, has closed a $150 million credit facility led by Viola CreditDealroom has a profile for this one. Try Dealroom →. The debt capital will fund more of VIVA's payroll-linked consumer loans, which integrate with borrowers' direct deposits to enable low-risk repayment.
How big is it? At $150 million, the facility ranks in the top tier of recent lending capital deals — in roughly the 39th percentile among comparable commitments, a sizable chunk of credit for a company of VIVA's stage.
Why debt, not equity? A credit facility gives VIVA capital to originate more loans without immediate dilution. It follows the company's July 2025 announcement of more than $220 million in combined new capital, including a debt facility from Community Investment ManagementDealroom has a profile for this one. Try Dealroom →.
What's the endgame? VIVA targets consumers underserved by traditional credit bureaus and banks, offering personal loans it says carry lower rates than typical alternatives. The company has reported tripling loan originations within a year of upgrading its lending platform.
"This debt facility empowers us to bring our responsible credit solutions to even more consumers, helping them achieve financial stability and avoid predatory alternatives," said Jack Markwalter, chief executive officer and founder of VIVA Finance.
Who's backing it? Viola Credit is a global credit asset manager with $5 billion in assets under management, focused on asset-based lending to fintech and tech-enabled companies. In October 2025, it closed a $2 billion fund to finance such lenders.
"Their innovative approach to payroll integration and commitment to responsible lending have driven impressive performance," said Michael Chen, head of US investments at Viola Credit.
The signal: The deal reflects a growing appetite among credit managers to bankroll fintech lenders through asset-backed facilities rather than equity. The headline figure, however, does not disclose pricing, terms, or how much of the facility VIVA will ultimately draw.
Read more: markets.financialcontent.com
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