VIGA Accepted Here · Free to join
Say yes to more customers — and get paid in full.
Vets, auto shops, clinics, dentists, contractors: when a customer can't cover the whole bill, VIGA bridges the gap and pays you directly by ACH. No risk to you. Ever.
Give your normal written estimate
Exactly what you already do. The customer applies to VIGA from their phone, right at your counter.
Collect the customer's share first
VIGA approves a set amount toward your bill. You’re never exposed beyond it.
Bill VIGA in your vendor portal — get ACH'd
Upload your invoice after the service; funds land in your bank in 1–2 business days.
Why businesses join
All upside. Zero risk.
Paid in full, direct
ACH in 1–2 business days. No receivables, no collections — the customer repays VIGA, not you.
$0 merchant fee
Unlike card-financing companies, VIGA takes no cut. The full amount lands in your account.
More customers walk in
Approved families are shown participating businesses — walk-outs become treated, paying cases.
Free to join
A short application, a W-9, and ACH verification. No software, no subscription.
A team that can say yes
Give your staff a path to serve instead of refuse — and you never make or get blamed for a lending decision.
Community first
We prioritize businesses in low-and-moderate-income areas — your neighborhood prospers with you.