# Viva Finance Gets $150m Credit to Boost Payroll Loans

> Viva Finance secures $150m credit from Viola Credit to expand payroll-linked consumer lending.
- Title: Viva Finance Gets $150m Credit to Boost Payroll Loans
- Summary: Viva Finance secures $150m credit from Viola Credit to expand payroll-linked consumer lending. Viva Finance will use $150 million from Viola Credit to…
- Keywords: viva finance, viola credit, payroll-linked consumer lending, credit facility, atlanta, fintech, personal loans, startups, business, Viva, Finance, Gets
- Source: Pulse 2.0 — https://pulse2.com/viva-finance-secures-150-million-credit-facility-from-viola-credit-to-expand-payroll-linked-consumer-lending
- Author: Amit Chowdhry
- Published: 2026-10-20T21:18:47+00:00
- Read time: 1 min
- Topics: viva finance, viola credit, payroll-linked consumer lending, credit facility, atlanta, fintech, personal loans, startups, business
## Viva Finance Secures Credit
Viva Finance, an Atlanta-based financial technology company specializing in payroll-linked consumer lending, has secured a $150 million credit facility from Viola Credit to expand its lending operations and increase access to affordable personal loans.
## New Credit for Payroll Loans
The financing will provide VIVA Finance with additional lending capacity as it scales its proprietary payroll-linked credit platform and expands its reach among consumers who have limited access to traditional financial products.
## Payroll-Linked Lending Model
Founded by CEO Jack Markwalter, VIVA Finance focuses on helping working Americans access personal loans through a model that integrates repayments directly with employees’ direct deposits.
## Reduced Lending Risk
Rather than relying exclusively on conventional credit evaluation and repayment mechanisms, the company uses its payroll-linked infrastructure to support responsible underwriting and more predictable loan repayments.
## Target Market Opportunity
This structure is designed to reduce lending risk and enable VIVA to offer competitive loan terms and lower interest rates than many traditional personal loan alternatives.
## Partnership with BenefitHub
One such relationship is its partnership with BenefitHub, which selected VIVA as a preferred personal loan provider for its Benefits+ voluntary benefits platform.
## Key takeaway

Viva Finance will use $150 million from Viola Credit to increase access to affordable personal loans through payroll-linked lending.