Six screens. One bridge.

9:41

Tell us the gap

Your urgent need$1,400

You can put in$400

Gap to bridge$1,000

📎 Upload your written estimate

Continue

1 — The gap. Upload a real estimate from a legitimate business — we verify it. The more you cover yourself, the stronger your application.

9:44

Verify — minutes

🪪 SSN — soft pull, no score impact

🏦 Link your bank — read-only

📊 We read paydays & cashflow

Repayment capacityAnalyzing…

Verify me

2 — The honest math. A soft pull and your own bank data show what you can comfortably repay. Never a pass/fail credit gate.

9:52

Your bridge offer

VIGA bridges$1,000

Term~120 days

Interest & fees$0 · $0

🤝 Short? Add a co-borrower — together up to $2,500

Accept my bridge

3 — The offer.We propose what we can responsibly lend. Can’t qualify alone? A co-borrower can join you.

10:03

Approved ✓

✅ $1,000 approved toward your provider

Notice sent toYou + Vendor

Your share, paid first$400

Show approval

4 — Approval. You and your provider both see exactly what VIGA covers. You pay your share to the vendor first.

2:15

Vendor paid direct

🧾 Vendor bills VIGA on their dashboard

Paid by ACH toVendor's bank

Cash to youNever*

Funds sent — loan is live

5 — Funding. After the service, the vendor bills VIGA and we ACH the funds straight to them. *Virtual cards only in rare exceptions.

Payday

Repay & rise

Auto-payment~2× / month

On yourPaydays

Term90 days – 6 mo

📈 Payments reported to credit bureaus — your score can grow

On track 🎉

6 — Repay & rise. Small installments on your paydays, reported to credit bureaus — so repaying VIGA helps you qualify for better rates everywhere.