For employers · A benefit that costs you nothing
Your team’s emergency fund — without touching your payroll budget.
Give employees access to zero-interest Bridge Loans, repaid through a small voluntary deduction on their pay dates. Zero cost, zero liability, zero administration.
Zero cost
No fees, no fund contribution, no platform charge. VIGA is donor-funded — you just open the door.
Zero liability
VIGA lends; employees repay VIGA. Repayment is a voluntary, employee-revocable payroll deduction — never a wage assignment, never a garnishment.
Fewer distracted days
A worker in a money emergency is a worker somewhere else mentally. A bridge brings them back — and loyalty follows.
Enroll — one short agreement
We set up the voluntary deduction rail with your payroll provider.
Employees apply on their own
Same 10-screen process as everyone: estimate, soft pull, bank link, contract, e-signature.
Repayment rides their pay dates
Small pre-agreed amounts per paycheck until paid off — revocable by the employee at any time, with bank ACH as backup.