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VIVA Finance Secures Over $220 Million in New Capital

  • Writer: kako vera
    kako vera
  • 57 minutes ago
  • 3 min read

New Funding Fuels Nationwide Expansion of Affordable Credit for Working Americans 


ATLANTA, GA – July 16, 2025 – VIVA Finance, a leading fintech company redefining access to affordable credit for working Americans, announced today it has secured over $220 million in new capital to accelerate its growth and expand access to affordable credit nationwide. The financing includes a significant debt facility provided by Community Investment Management (CIM), an institutional impact investment manager, along with equity from new and existing investors.


Hodges & Jack Markwalter, Founders of VIVA Finance
Hodges & Jack Markwalter, Founders of VIVA Finance

Since launching its lending platform in 2020, VIVA has originated over $250 million in loans and built a profitable, high-growth business by offering responsible financial products tied to employment rather than traditional credit scores. The new capital will provide significant liquidity to scale operations, reach new customer segments and continue expanding nationwide.


“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.”


The majority of the capital raised comes from CIM’s flexible debt facility, which provides a strong foundation for continued loan origination and growth. The firm’s commitment to supporting financial inclusion aligns directly with VIVA’s mission to unlock fair access to credit and create a positive difference through employment-based lending.


“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.” 


VIVA’s rapid growth trajectory has earned it recognition in both the Deloitte Technology Fast 500 and Inc. 5000 lists of fastest-growing companies in the U.S. VIVA continues to invest in product innovation, talent and infrastructure to meet the evolving financial needs of working Americans, particularly those underserved by traditional credit models.


The new funding will be used to expand VIVA’s reach nationwide across employer partnerships and deepen its product offerings, while driving sustainable growth supported by their impact-focused capital base. 


About VIVA Finance


VIVA Finance is an Atlanta-based fintech company redefining access to credit by offering personal loans underwritten primarily on employment—not credit scores. Founded in 2019 by brothers Jack and Hodges Markwalter, VIVA is built on the belief that hardworking Americans deserve fair, transparent financial solutions regardless of their credit history. VIVA delivers low-friction, payroll-deducted loans that help employees manage unexpected expenses, build financial resilience and avoid predatory alternatives like payday loans or high-interest cash advances. VIVA has served tens of thousands of borrowers across the country, helping them collectively avoid millions in interest and fees. The company has raised over $20 million from mission-aligned investors and has been recognized by Inc. 5000, Deloitte Fast 500, and Forbes for its rapid growth and innovative impact. To learn more, visit www.viva-finance.com or follow along on LinkedIn @VIVAFinance.


About Community Investment Management


Community Investment Management (CIM) is an institutional impact investment manager that provides strategic debt capital to demonstrate and scale responsible innovation in lending. CIM is dedicated to supporting organizations that drive positive change and foster financial inclusion, economic growth, and social impact. For more information, visit https://cim-llc.com/. 


Media Contact


Hannah Amick

President & Founder

190 Ottley Drive NE, Suite G1, Atlanta, GA 30324 t: 678.488.2909 • e: hannah@huffandco.com

(678) 685 8834
112 Krog St NE, STE D145, Atlanta, GA 30307

You may apply, review and download your information, and make payments on the viva-finance.com website 24 hours per day, 7 days per week. If you need to speak with someone, you can reach us from 8 am to 8 pm Monday through Thursday, and 8 am to 5 pm on Friday. All times are Eastern.

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* Loan funds are generally processed in 2 business days from the date the loan contract is signed. However, some applications may take longer to process.
VIVA's loans are not provided by, sponsored, or endorsed by any employer. VIVA Finance is an optional resource and employers in no way benefit from VIVA's loans. VIVA Finance is not directly affiliated with any employers and completely releases employers from any liability.

VIVA Finance offers unsecured personal installment loans up to $10,000 in amount financed. The minimum annual percentage rate (APR) on a VIVA Finance loan is 11.99% with a maximum APR of 35.99% including all applicable fees and loan costs. The term or repayment period of VIVA Program Loans is 24 months.

A loan example: A $4000 loan with a prepaid finance charge of $25, and amount financed of $4,000, repayable in 24 monthly installments, and an interest rate of 18.99% would have an APR of 19.60% and monthly installments of $204.45. This would amount to the borrower paying back $4,906.80 in total.

All loans are subject to the underwriting policies of VIVA Finance Inc. Terms and conditions apply. There are no penalties for early repayment.

Approvals are primarily based on employment information. Loan offer amount and rate may vary based on other factors such as your income and credit history.

VIVA Finance Inc NMLS #1905666. NMLS Consumer Access.

South Carolina Residents:

VIVA Finance holds a Supervised Lender License in the state of South Carolina (SLW1 - 1905666). You can find the Maximum Rate Schedules for VIVA Finance here, here and here. A South Carolina consumer pamphlet can be found here. The Consumer Grantor Certificates for VIVA Finance can be found here, here and here.

New Mexico Residents:

Viva Finance holds a Small Loan Company License in the state of New Mexico here. You can find information about Common Terms and Definitions here and a Consumer Information Brochure here. Disclosures about our Loan Rate and Fees are available here.

TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL Viva Finance Inc. Attention Disputes, 112 Krog Street NE, Suite D145, Atlanta, GA 30307. Phone: 678-685-8834, Email: info@viva-finance.com. New Mexico Only: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/.

Alabama Residents:

VIVA Finance holds a Small Loan License, which can be found here, and a Consumer Credit License which can be found here.

Michigan Customers:

Viva Finance Inc. Is licensed and regulated by the Michigan Department of Insurance and Finance, PO Box 30220, Lansing MI. To contact the Department by Telephone, please call 877-999-6442 (Toll-Free). To contact the Department by email, please write to DIFSInfo@michigan.gov.

Loans from VIVA Finance, Inc. are not currently available to active members of the military and/or their dependents.

VIVA Finance is not a bank. VIVA Finance loans are originated by Thread Bank, Member FDIC. Loans made by Thread Bank are subject to loan approval, terms, and conditions, which are subject to change at any time without notice.

VIVA Finance, Inc. © 2025
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