LoanPro, a modern lending and credit platform, has announced that VIVA Finance — one of the fastest-growing employment-based lending platforms in the United States — has tripled its loan origination volume since migrating to LoanPro in July 2025. The gains were achieved within the first year of the partnership and without the proportional headcount increases that VIVA would have required on its previous system to sustain comparable growth.

VIVA Finance provides personal loans underwritten based on employment history rather than traditional credit scores, a model designed to serve borrowers often overlooked by conventional lenders. This approach addresses a segment of the U.S. population that traditional FICO-based underwriting tends to underserve, including workers with thin credit files or limited credit histories — a market gap that has drawn growing interest from fintech lenders in recent years. As VIVA's loan portfolio expanded, its legacy loan management system struggled to keep pace. The old platform lacked an API-forward architecture, preventing VIVA's engineering team from customizing and extending operations — a constraint that has become increasingly costly for lending fintechs as product complexity and third-party integration requirements grow. Customer service agents had limited access because the system lacked a web-based UI, and data reliability was a persistent issue — inconsistent, translated data generated errors across loan portfolios and forced staff into manual workflows the company had long outgrown.

"The biggest benefit we saw with LoanPro is the ability to automate a lot of the tasks we do manually, so that when we grow, we're not hiring servicing agents one-on-one with that growth," said Payton Lane, Product Manager at VIVA Finance. "Keeping the team lean, automating manual tasks that don't need to be manual."

After selecting LoanPro, VIVA completed implementation in four months, meeting every milestone through a collaborative and well-scoped process. LoanPro's API-first architecture gave VIVA's engineering team the customization and control needed to manage its unique loan structures. A modern, web-accessible UI replaced the access limitations agents had faced on the legacy system. The platform's Automation Engine enabled VIVA to scale servicing in step with volume growth, while a single, reliable data layer replaced the inconsistent records the team had been working around.

That clean data foundation is now supporting VIVA's next strategic initiative: a multi-product roadmap the company began executing in 2026. For employment-based lenders like VIVA, expanding beyond a single loan product into adjacent offerings — such as credit-building tools or alternative installment structures — typically requires a platform capable of supporting configurable product definitions without custom engineering work for each new offering.

"We knew we would be able to scale with LoanPro, and doing it now has enabled us to focus on other products and continue to push the pedal to the metal," said Pete Gerontakis, Vice President of Finance at VIVA Finance. "I'm not really sure there are any competitors that can do everything LoanPro can."

"VIVA Finance came in with aggressive growth targets and a clear picture of what their legacy system was costing them," said Charles Sweeney, Chief Operating Officer and Chief Revenue Officer at LoanPro. "The 300% origination growth they've seen in less than a year reflects what's possible when a lender's platform can actually keep up with their business."