# VIVA Finance

Startup profile on Capital Atlas: https://capitalatlas.ai/startups/viva-finance

- Industry: Financial Services
- Headquarters: Atlanta, US
- Website: www.viva-finance.com
- Total disclosed funding: $152M
- Latest round: Debt (Oct 20, 2026)
- Investors on record: 3

## About

VIVA Finance Inc. is a financial technology company that specializes in offering unsecured personal installment loans, focusing on flexible terms and accessible credit solutions for consumers. Founded in 2019, VIVA Finance Inc. is based in Atlanta, US, and operates primarily in the personal loan sector, providing financial support to individuals with a unique underwriting model based on employment status. The company was co-founded by Hodges Markwalter and Jack Markwalter, who serves as the CEO. In July 2025, Viva Finance Inc. raised USD 220 million in venture debt and equity funding from Community Investment Management and other unspecified investors. VIVA Finance, Inc. specializes in providing unsecured personal installment loans with financing options available up to USD 10,000. The core offerings include flexible loan terms aimed at addressing needs such as debt consolidation, credit card refinancing, and unexpected expenses, with applications available online. Funding is typically disbursed within 1 to 2 business days post-contract signing, and loans are primarily targeted at employees across various organizations, utilizing an employment-based underwriting model instead of standard credit scoring systems. VIVA Finance operates across multiple states in the U.S., including South Carolina and New Mexico, adhering to specific state lending regulations.VIVA Finance generates revenue through interest and fees from its unsecured personal loans. The direct-to-consumer lending approach allows individuals to apply for loans and receive funds directly, with repayment structured in monthly installments. Interest rates range from a minimum of 11.99% to a maximum of 35.99%, depending on borrower factors like income and credit history. For instance, a USD 4,000 loan at 18.99% interest would result in monthly payments of approximately USD 204.45 over a 24-month period, totaling a repayment of USD 4,906.80. Viva Finance Inc. will use the July 2025 funding to expand into new customer segments, accelerate new product development, and scale its national footprint.

## Funding rounds

- Debt, Oct 20, 2026, $150M — Viola Credit
- Seed, Oct 8, 2020, $2.3M — Acumen, Johnson Venture Partners

## Investors

- Acumen (https://capitalatlas.ai/funds/acumen) — Seed
- Johnson Venture Partners (https://capitalatlas.ai/funds/johnson-venture-partners) — Seed
- Viola Credit — Debt