VIGA Solidarity Lending
How it works — for you
From registration to closed loop · 3 employer actions · everything else is VIGA
- YouStep 1 · One time only
Register as a VIGA Supporting Employer
Ten minutes. Provide your EIN, one HR contact for employment verification, one payroll contact for deductions. Sign the Supporting Employer Agreement. Your employees can apply the same day.
- EmployeeStep 2
Employee applies on viga.org
Under 12 minutes on a phone. Your employee describes their emergency, uploads a pay stub, and signs the deduction authorization. You are not involved at this stage.
- VIGAStep 3 · Automated
VIGA sends employment verification request
Your HR contact receives a one-click email to confirm active employment. They see the employee ID only — never the loan amount or reason for it.
- YouStep 4 · One click
Confirm employment and honor the deduction memo
HR clicks confirm. VIGA approves and disburses funds to the employee within 48 hours. Your payroll contact receives a deduction memo — reference code, exact amount per cycle, start date, and VIGA ACH details.
- YouStep 5 · Each pay cycle
Deduct from payroll and remit to VIGA
Enter the deduction in your payroll system exactly like a 401(k) line — ADP, Paychex, Workday, Gusto, any system you use. On pay day, send a batch ACH to VIGA. That is your entire recurring obligation.
- VIGAStep 6 · Automated
VIGA confirms, reconciles, and updates your dashboard
VIGA confirms receipt within one business day, reconciles every deduction, flags any discrepancy immediately, and posts the full picture to your employer dashboard — cycle by cycle.
- VIGAStep 7 · The loop closes
Loan repaid — corpus ready for the next borrower
When the final deduction clears, the employee receives a paid-in-full confirmation. Every dollar returns to VIGA's lending corpus, ready for the next person in crisis. Nothing is lost. The cycle begins again.
Your role, in full
1
Register once
1
Click to verify each employee
1
Deduction line per pay cycle
4
Steps handled entirely by VIGA