# VIGA™ — Complete Site Content (llms-full.txt)
# VIGA (viga.org): a California 501(c)(3) nonprofit providing zero-interest,
# zero-fee emergency loans of $250–$2,500 to working people in the US, paid
# directly to service providers, repaid on the borrower's paydays.
# EIN 42-2401101 · info@viga.org · 1-877-ASKVIGA (275-8442)
# Short index: https://viga.org/llms.txt



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PAGE: Home — VIGA Bridge Loans | Zero Interest | Always.
URL: https://viga.org/
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✦ ZIM Finance by VIGA · Zero Interest Micro Finance
A short gap shouldn’t become a debt trap.
Bridge Loans of $250–$2,500 at 0% interest, $0 fees — paid straight to your vet, mechanic, or landlord. Repaid in small bites on your paydays.
Apply NowSee how it works
You cover what you can. VIGA bridges the rest. You repay only what you borrowed.
How it works
Three steps. That's the whole thing.
1
You cover your share
Upload your provider's estimate and put in what you can.
$400
2
VIGA pays your provider
Your Bridge Loan goes straight to the business — never cash to you.
+ $1,000
3
You repay on paydays
Small installments over 3–6 months. Your credit score can grow.
$1,000 back. Not a penny more.
You pay
$400+
VIGA bridges
$1,000=
Bill paid in full
$1,400
0% + $0
Interest & fees
$250–$2,500
Bridge Loans
< 5 min
Typical approval*
*After identity and bank verification. See the full process →
VIGA Bridge Funds
Pet Emergencies is launching soon. More bridges to follow.
🐾
Pet Emergencies
Vet bills, paid direct to the clinicLaunching soon
Coming soon🚗
On the Road
Car, tools & equipment
Coming soon🏠
Keep the Lights On
Rent & utility emergencies
Coming soon💗
Well & Whole
Medical & dental emergencies
Coming soon👥
Family First
Family crises & funerals
For donors♡
General Fund
Wherever the need is greatest
🐾 VIGA · Pet Emergencies — our flagship fund, launching soon
No pet should die of a bill.
Your Bridge Loan is paid directly to the vet — so the only decision left in the room is a medical one.
Pet emergency? Start hereI run a vet clinic
Start here
Which one is you?
🌉
I need a bridge
The estimate is bigger than the bank account.How it works →🏪
My customers need one
Get paid in full by ACH. Free to join.For businesses →💛
I want to fund bridges
Your dollar is Loaned, repaid, and Loaned again.Ways to give →
The bridge is open.
If you need it, cross it. If you don’t, help us hold it up.
Apply NowDonate

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PAGE: How It Works — VIGA Bridge Loans, Screen by Screen
URL: https://viga.org/how-it-works/
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✦ ZIM Finance by VIGA · Zero Interest Micro Finance
From estimate to funded — screen by screen.
The example case throughout: a $1,400 bill, a family that can put down $400, and a $1,000 Bridge Loan.
Apply Now
0% + $0
Interest & fees
$250–$2,500
Bridge Loans
< 5 min
Typical approval
Phase 1
You apply — about five minutes
VIGAStep 1 of 10
The estimate
📎 Upload your written estimate
Estimate — Lakewood Vet Clinic$1,400
🔍 Scanned & verified as authentic
Continue
1Upload the estimate — A real, written estimate from a legitimate business. We verify it.
VIGAStep 2 of 10
Your share
I can pay toward it$400
The gap to bridge$1,000
💪 The more you put in, the stronger your application
Continue
2Offer what you can pay — Your share comes first. It keeps the pool strong.
VIGAStep 3 of 10
Identity check
SSN •••-••-1234soft pull
🛡 Will not affect your credit score
Hard credit pullNever
Verify me
3Soft pull only — Your SSN for identity and a soft credit look. No score impact.
VIGAStep 4 of 10
Link your bank
🏦 Log in safely & securely — read-only access
Paydays detected1st & 15th
Cashflow reviewCalculating…
Connect bank
4Read-only bank access — We read your real cashflow to calculate what we can offer.
Phase 2
The decision — and your signature
VIGAStep 5 of 10
Your bridge offer
You asked$1,000
VIGA offers$1,000
Your co-pay$400
Accept offer
🤝 Add a co-applicant
5The offer — or a way to one — Equal to or less than you asked. Short? Someone can apply or co-apply on the same case. If it truly can’t work, we respectfully decline.
VIGAStep 6 of 10
Read & sign
📄 Your contract — every term, every amount
Payment schedule~$167 × 6 paydays
Interest & fees$0 · $0
✍️ Sign digitally
6Nothing surprises you later — Read the contract, the schedule, the amounts — then e-sign.
Phase 3
Care happens — provider paid direct
VIGAStep 7 of 10
Service performed
✓ Service completed
You pay your portion first$400
Paid toProvider, directly
My share is paid
7You pay your portion first — Your co-pay goes straight to the provider.
VIGAStep 8 of 10
Provider bills VIGA
🧾 Invoice uploaded in vendor portal
Bridge amount$1,000
Verified against estimate✓
Submitted
8The provider invoices us — They bill VIGA for the bridge — never you.
VIGAStep 9 of 10
Funds sent
🏦 ACH to provider — 1–2 business days
Paid in full$1,000
Your loan is nowLive
Bill settled
9We ACH the provider — Paid in 1–2 business days. Your loan becomes live.
Phase 4
You repay — and rise
VIGAStep 10 of 10
Repay on paydays
Auto-ACH on your pay dates~$167
ScheduleAs signed — until paid off
📈 On-time payments reported to credit bureaus
On track 🎉
10Small bites until it's done — Per your employment pay dates, we pull the agreed amount by ACH — and your credit score can grow.
🛡 Who decides? An algorithm designed by an independent committee — the same fairness and affordability rules for everyone. Too risky? We respectfully decline, so nobody is Loaned into a hole.
Every repaid dollar revolves to the next family. That is the whole model — not charity, not credit. A bridge.
The deal, plainly
What you carry. What you never do.
You carry
✓The principal — $1,000 borrowed is $1,000 repaid
✓Small installments sized to your paydays
✓A hardship pause if life happens — honored plans are reported current, never late
You never carry
✗Interest, fees, penalties, or deferred-interest surprises
✗Wage garnishment — ever
✗Collateral, employer pressure, or a hard credit pull to apply
Five minutes. Zero interest. One bridge.
Have your estimate ready — then apply.
Apply NowBorrower details

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PAGE: For Borrowers
URL: https://viga.org/borrowers/
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For borrowers · The loan, in plain words
A little short of an urgent need? That’s exactly who we’re for.
Not a payday loan. Not charity. A zero-interest Bridge Loan between what you have and what the moment demands. Want the screen-by-screen tour instead? See How It Works →
Apply Now
The short version
Three sentences. That's the deal.
1
Apply online with the required info
Your estimate, your details, a soft credit pull (no score impact), and secure read-only access to your bank statements.
2
The system determines the split
After reviewing your credit and bank statements, it determines your eligibility — what you should pay, and what VIGA will pay.
3
Sign, get funded, repay on paydays
You (and your guarantor) e-sign, your provider is paid directly by ACH, and small installments ride your pay dates until it’s done — zero interest, zero fees.
🤝 The guarantor
Someone who believes in you co-signs beside you.
Every Bridge Loan is backed by trust made visible: a guarantor who co-signs your loan. It's how zero-interest lending has kept a 99%+ repayment rate worldwide — dignity, vouched for.
🧭
Who can be one
A family member, friend, or colleague who trusts you. They provide their Social Security number and co-sign the loan — a soft pull for them too, never a hard one.
🔗
How they sign
During your application, we send them a secure link on your behalf, straight from your device. They sign up and co-sign from their own phone in minutes.
📞
Pro tip
Call them ahead of time. Emergencies move fast — a heads-up call means your guarantor is ready to sign the moment the link arrives.
🪢 The co-borrower
Don’t qualify for the whole amount? Bridge the bridge.
If the system can't approve your full gap and you can't put up your piece, you don't have to walk away. Bring in a co-borrower.
👥
Apply alongside you
A co-borrower joins your application and borrows part of the same need, on their own repayment schedule — together you make up the full amount.
👤
Or apply on their own
They can also apply independently for the same case — their own loan, their own terms, closing the same gap. Either way, the bill gets paid and the care happens.
🧩
Guarantor vouches for your loan. Co-borrower shares the borrowing. Some cases use both — the application walks you through it.
Apply NowSee the 10 screens
Any urgent need — not just pets
Real gaps VIGA bridges.
🐾
Pets
Our flagship fund — VIGA · Pet Emergencies pays your clinic directly.Launching soon
Coming soon🏠
Housing
Lin's shifts got cut; rent came due anyway. VIGA bridged $900.
Coming soon🚗
Transportation
María's car broke down before her double shift. VIGA bridged $800.
Coming soon💗
Health
An ER co-pay landed before payday. VIGA bridged Jake's $650 gap.
Coming soon👥
Family
Flora needed $1,000 to say goodbye to her brother in time. VIGA was the way.
Coming soon🛠
Tools of your trade
DeShawn's drill press failed. VIGA bridged the rest. His crew kept working.
💛 After the bridge
Become a giver — reciprocate the kindness.
Someone’s repaid dollar built your bridge. When you’re back on your feet, hold the bridge up for the next family — with a dollar, or an hour.
DonateVolunteer
Straight answers
Know before you owe.
What does it cost?
Zero interest. Zero fees. You repay exactly what was borrowed — every dollar shown in your contract before you sign.
Will applying hurt my credit — or my guarantor's?
No. Soft pulls only, for both of you. And on-time repayment is reported to the credit bureaus, so your score can grow while you repay.
Do I get the money?
No — and that's the point. After the service, the provider bills VIGA and we ACH them directly within 1–2 business days. The money can only do one thing: help.
What if the system says no?
We respectfully decline rather than lend anyone into a hole — and we tell you your options: a stronger co-pay, a co-borrower, or trying again when your cashflow steadies.
Apply for a Bridge Loan

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PAGE: Pet Emergencies — VIGA's Flagship Fund
URL: https://viga.org/pet-emergencies/
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🐾 VIGA · Pet Emergencies — our flagship fund, launching soon
When your pet’s life depends on a number, we change the number.
Zero-interest, zero-fee Bridge Loans of $250–$2,500 for veterinary care — paid directly to your clinic, so the only decision left in the room is a medical one.
Apply NowFor clinics
0% · $0
Interest · Fees
ACH 1–2 days
Clinic paid directly
< 5 min
Typical approval
Why pets first
Born in a waiting room.
Our founder lost his dog Yaroo in an emergency clinic — watching other families do math no one should do while their animal waits. Emergency care runs $3,000–$10,000, and the cards at the desk charge up to 30%. Pet Emergencies exists so no pet dies of a bill.
Read the story
For pet owners
Estimate to treatment, in one sitting.
1
Upload the vet's estimate
The loan is anchored to it — the money can only buy care.
2
Cover what you can — VIGA bridges the gap
Soft pull, secure read-only bank link, approval typically under 5 minutes.
3
Clinic paid direct — you repay on paydays
ACH in 1–2 business days. Small installments, reported to credit bureaus. Your dollars return to fund the next pet.
Apply NowSee all 10 screens
♾ The VIGA Living Fund
A name that holds — a fund that never stops giving.
Open a fund in the name of a family, or an animal you loved — a Yaroo Fund, a Zojja Fund. Your gift is never spent, only Loaned: out, back, out again — rescuing pets in your name, year after year.
Open a Living FundDonate to the fund
No pet should die of a bill. No owner should carry that grief.
Apply NowDonate

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PAGE: Volunteer with VIGA
URL: https://viga.org/pet-emergencies/volunteer/
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🐾 VIGA · Volunteer
Money is only half of what this fund runs on. The other half is you.
Pick the role that fits your hands, your hours, and your heart — then raise your hand with a two-minute form. Every role runs on a best-efforts basis — around your bandwidth, your schedule, your life.
Ways to serve
Twelve ways to give an hour.
Tap a role, fill the short form, and you're in the circle. No committees, no waiting.
📞
Care caller
Check in on borrowers after funding — how the pet is recovering, how the family is holding up. Care calls, never collections.Volunteer for this →
🩺
Clinic ambassador
Visit neighborhood vet clinics and introduce VIGA Accepted Here. You open the door; we handle enrollment.Volunteer for this →
🎯
Fundraising captain
Run a campaign — a birthday fundraiser, a walk-a-thon, a workplace drive.Volunteer for this →
🎤
Event host
Invite the founder to speak — rotary club, faith community, school, company all-hands.Volunteer for this →
📱
Social media voice
Create and share posts, reels, and stories. We give you the brand kit; you give it your voice.Volunteer for this →
📰
PR & media scout
Pitch local press, pet podcasts, newsletters, and TV segments.Volunteer for this →
🏠
Shelter & rescue liaison
Connect shelters and rescues so families hear about the bridge before surrendering a pet.Volunteer for this →
🪧
Community tabler
Farmers markets, adoption days, pet expos — a small table, a card, a smile.Volunteer for this →
🌐
Translator
Bring VIGA into Spanish, Tagalog, Korean, Urdu, and more.Volunteer for this →
📷
Storyteller & photographer
Document recoveries — with consent — in photos, film, and words.Volunteer for this →
💼
Skilled professional
Designers, accountants, lawyers, developers, grant writers — pro bono with a pulse.Volunteer for this →
🎓
Student & service hours
Earn service hours doing work that matters — research, outreach, content, events.Volunteer for this →
💛 Don’t see your way to help? Invent it.Use any form above, pick the role closest to your idea, and describe the project you want to lead — the best roles on this page will come from volunteers we haven’t met yet.

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PAGE: For Businesses — VIGA Accepted Here
URL: https://viga.org/business/
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VIGA Accepted Here · Free to join
Say yes to more customers — and get paid in full.
Veterinary clinics first — then auto shops, dental practices, and 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.
Enroll my business🐾 The Pet Emergencies fund
1
Give your normal written estimate
Exactly what you already do. The customer applies to VIGA from their phone, right at your counter.
2
Collect the customer's share first
VIGA approves a set amount toward your bill. You’re never exposed beyond it.
3
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.
Become a partnerCall 1-877-ASKVIGA
🏢 Also for employers
Offer VIGA as a benefit — at zero cost.
Give your team access to zero-interest Bridge Loans. Repayment rides their pay dates as a small, voluntary, employee-revocable deduction — never a wage assignment, never a garnishment. Zero cost, zero liability, zero administration.
Talk to us about your team

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PAGE: Donate — Every Way to Give
URL: https://viga.org/donate/
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Tax-deductible · 501(c)(3) · EIN 42-2401101
Your dollar is never spent. It is only Loaned — again and again.
A donation to most charities is used once. A donation to VIGA is Loaned at zero interest, repaid, and Loaned again — the same dollars holding up family after family.
Every way to give
Pick what's easiest for you.
💳
Credit / Debit Card
Fast, secure online giving.
Processing cost to VIGA: ~3%Give by card
📲
Digital Wallets (Google Pay / Apple Pay)
Check out in seconds with Google Pay or Apple Pay.
Processing cost to VIGA: ~3%Give by wallet
🅿️
PayPal
One tap from your PayPal account.
Processing cost to VIGA: ~1.99%Give via PayPal
📱
Venmo
Straight from the Venmo app.
Cost to VIGA: $0 — 100% goes to lendingGive via Venmo
⚡
Zelle
Bank-to-bank from your own banking app, fee-free. Takes about a minute — we’ll walk you through it, including the memo line we need to send your receipt.
Cost to VIGA: $0 — 100% goes to lendingZelle details
🖥️
Online Check (eCheck / ACH)
Pay directly from your bank online.
Cost to VIGA: $0 — 100% goes to lendingGive by eCheck
✉️
Mail a Check
Payable to VIGA · 24586 Hawthorne Blvd, Suite 104, Torrance, CA 90505.
Cost to VIGA: $0 — 100% goes to lendingTell us it's coming
🏦
Wire Transfer
For larger gifts — we'll send instructions securely.
Cost to VIGA: $0 — 100% goes to lendingRequest details
🎁
DAFpay — Donor-Advised Funds
Give directly from your DAF in seconds.
Cost to VIGA: $0 — 100% goes to lendingGive via DAF
📈
Appreciated Stocks
The most tax-advantaged way to give. Donate shares held over a year: you deduct the full market value and pay no capital-gains tax on the growth — VIGA sells tax-free, so every dollar of appreciation goes to lending instead of the IRS. Transfers take one instruction to your broker.
Cost to VIGA: $0 — often 20–30% more impact than selling first and giving cashGet transfer instructions
🏘️
Donate Real Estate
A home, rental, land, or commercial property — deed it to VIGA and deduct the appraised fair-market value while avoiding capital-gains tax. One property can seed a named Living Fund that lends in your family’s name for generations. We handle every step with counsel; it starts with a conversation.
Cost to VIGA: $0 — one gift, a lifetime of lendingStart the conversation
Because loans recycle every few months, each donated dollar is Loaned many times over the years. Your gift compounds in lives — not interest.
🌉 Not a gift — a loan
Lend to VIGA: the 3-year, zero-interest loan.
Practice what we preach. Lend VIGA your capital at 0% for three years — we lend it out, it comes back, we lend it again. At maturity, every dollar returns to you.
🔁
Your money multiplies
Bridge Loans recycle every 3–6 months — over three years, your loan funds the same emergency six to ten times over before coming home.
📄
Simple & documented
A short loan agreement: your amount, 0% interest, 3-year term, returned in full at maturity. Not tax-deductible — it’s a loan, not a gift — and convertible to a donation anytime you choose.
🤝
The lineage
This is how the global zero-interest movement grew — ordinary people lending their savings to the pool, interest-free, family after family. Dignity performs: 99%+ repayment.
Compare Lend vs Donate →Call for details
Somewhere, someone is standing at a door you once stood at.
The dollar you give today is the one that opens it — again, and again, and again.
Donate Now

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PAGE: Lend vs Donate — Fund the Bridge
URL: https://viga.org/lend/
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🌉 Fund the bridge · Two ways
Lend vs Donate.
Both put your capital to work holding up families. One is a gift that revolves forever. The other comes back to you in three years — after helping people every single day it was away.
💛 Donate
A gift that never stops giving
✓Any amount — $25 to $25 million, every dollar joins the lending pool
✓Tax-deductible now — full deduction in the year you give (stocks and real estate too)
✓Revolves forever — Loaned, repaid, and Loaned again, family after family, for as long as VIGA exists
✓Name it — larger gifts can open a named Living Fund with its own dashboard
See all the ways to give
🏦 Lend
Zero interest · 3 years · then paid back to you
✓$25,000 minimum to $250,000 max - ideal size $100,000 — Loaned to VIGA at 0% for a 3-year term under a simple loan agreement
✓Watch it work, live — your own dashboard shows the loans your capital is funding, every day
✓Paid back to you — your full principal is returned at the end of the 3-year term
✓Shared risk, honestly — you agree to absorb a share of any loan losses; that loss may be taken as a deduction, and you can convert any part to a donation anytime
Call for details — 1-877-ASKVIGA
A loan is not tax-deductible when made — only a gift is. But a lender who converts to a donation, or absorbs a documented loan loss, may deduct that amount. Your CPA confirms what fits your situation.
How lending works
Four steps. Three years. Every dollar visible.
1
Call us
A conversation, then a short loan agreement: your amount ($25,000 minimum to $250,000 max - ideal size $100,000), 0% interest, 3-year term, and the loss-sharing terms — all in plain English.
2
Fund by wire
Your capital joins the lending pool and starts bridging emergencies — typically within days.
3
Watch your live dashboard
Daily view of the Bridge Loans your money is funding: families helped, loans live, repayments coming in, dollars recycled.
4
Maturity — you are paid back
At three years your principal is paid back to you, less any agreed share of loan losses — which may be deductible. Or roll it for another term, or convert to a gift. Your call.
Your lender dashboard — live
214
Families funded
31
Live loans
178
Fully repaid
$286K
Dollars recycled
96%
Repayment rate
Illustrative dashboard — your live screen launches with your first lending cycle. Honest numbers always, including any loans in hardship.
Call for details — 1-877-ASKVIGA (275-8442)Or write to us
Your savings can hold up a hundred families — and still be paid back to you.
This is how the global zero-interest movement grew: ordinary people lending the pool their capital, interest-free. Dignity performs — 99%+ repayment worldwide.
Lend — call usDonate instead
Loans to VIGA are governed by individual loan agreements, are not deposits, are not insured, and are not tax-deductible when made; loss deductions and donation conversions should be confirmed with your tax advisor.

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PAGE: About VIGA — The Story, the Founder, the Organization
URL: https://viga.org/about/
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The Story · The Founder · The Organization
It started with a dog named Yaroo.
Three moments in one April taught us the same lesson: for working people, the distance between “fine” and “desperate” is one estimate. VIGA is the bridge we wished existed that month.
The three moments · April 2026
Same month. Same lesson. Three faces.
🐕 Yaroo
A beloved dog, an emergency, and a waiting-room estimate that nearly decided his life on the spot. The medicine existed. The number was the obstacle. That waiting room is where Pet Emergencies was born.
✈️ Flora
A family friend facing a travel emergency — a real, urgent, one-time need — with every “solution” on offer charging predatory interest for the privilege of a crisis.
🩺 Dr. Rabia
A medical resident blocked not by ability but by application fees — a small, temporary gap standing in front of a large, permanent contribution.
None of these people needed charity. None deserved 300% APR. They needed what banks don’t make: a small, dignified, zero-interest bridge. So we built it.
The founder
Azhar Hameed
Azhar Hameed is an entrepreneur and philanthropist whose work spans health, education, animal welfare, the arts, and hunger relief. He serves as Global President (volunteer) of Akhuwat USA — part of the world’s largest zero-interest lending movement, which has disbursed roughly $2 billion across 6 million loans to 4 million families with 99%+ repayment. VIGA brings that charitable-lending tradition to American emergencies: professionally underwritten, digitally delivered, and free of interest — always.
The organization
Built to be trusted.
Structure & governance
✓California Nonprofit Public Benefit Corporation · 501(c)(3) public charity · EIN 42-2401101
✓Lending decisions made by an algorithm designed by an independent committee, on the basis of fairness and creditworthiness — no person can arrange or influence a loan
✓Two-pool capital structure: a Lending Capital Pool and a separate Loss Guarantee Fund
Papers & contact
✓Legal · Privacy Policy · governing documents available on request
✓24586 Hawthorne Blvd. Suite 104, Torrance, CA 90505
✓info@viga.org · 1-877-ASKVIGA (275-8442)
The bridge holds because many hands hold it.
Borrow it, fund it, volunteer on it, or bring your business to it — there’s a place for you here.
DonateContact us

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PAGE: The Story — A Love Letter
URL: https://viga.org/story/
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The story
A love letter, not a mission statement.
Azhar & Yaroo.
Yaroo & Zojja, together.
To everyone who has ever loved something more than money could measure —
We lost Zojja first — our German Shepherd girl, all gentleness and thunder — on August 20, 2025. Eight months later, on April 9, 2026, I carried Yaroo into an emergency clinic for the last time. Before anyone could see him, the desk asked for $2,000. Then $5,000 more. I could pay — and I would have given anything. He didn’t make it either.
Losing them both in one year taught me what grief is. But sitting in that waiting room, I watched other families face something crueler: a kind of math no one should ever do — what they had, against what they loved.
I have spent twenty years in philanthropy, the last ten with Akhuwat — the world’s largest interest-free microfinance organization, which has placed $1.8 billion in zero-interest loans into four million families’ hands — where I serve as Global President Volunteer. I knew what a few hundred dollars, Loaned with dignity, can do. That night I decided America needed the same bridge.
So VIGA is my love letter — to Yaroo and Zojja, and to this country that became my home. It works the way love works: it goes out, it comes back, and it goes out again. Your repaid dollar waits quietly for the next family standing at the same door you once stood at.
No interest. No fees. No shame. Just a bridge.
— Azhar Hameed Founder & President, VIGA · serves without pay
✈️
Flora
Needed $1,000 to reach her brother’s bedside before he was gone. She made it — because someone bridged the gap.
🩺
Dr. Rabia
A medical student short on residency fees, no credit history. A small trust loan later, she matched — and repaid every dollar.
Join the circle — donateApply for a Bridge Loan

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PAGE: Legal Structure
URL: https://viga.org/legal/
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About / Legal
About VIGA and Our Legal Structure
VIGA’s mission is to provide zero-interest emergency loans — with a single disclosed administrative fee and nothing else — to working people facing financial hardship.
VIGA Inc.
VIGA Inc. is a California Nonprofit Public Benefit Corporation (CA Entity No. B20260217489, EIN 42-2401101), recognized by the Internal Revenue Service as a federally tax-exempt 501(c)(3) public charity, and in good standing with the California Secretary of State, the California Franchise Tax Board, and the California Attorney General’s Registry of Charitable Trusts.
Our history.
VIGA was originally incubated as a charitable program of Umanoorg, an established California 501(c)(3) public charity, under the fictitious business name (DBA) “VIGA.” VIGA Inc. has since received its own federal 501(c)(3) determination from the IRS and now operates independently, with full continuity of its mission and operations.
For Donors
Donations to support VIGA may be made directly to VIGA Inc., which is federally exempt under IRC §501(c)(3) (EIN 42-2401101), and are tax-deductible to the extent permitted by law.
Tax-deductible today
A contribution to VIGA Inc. is fully tax-deductible today under VIGA’s own 501(c)(3) determination.
Receipts & acknowledgment
Donation receipts are issued under VIGA Inc.’s name and EIN (42-2401101) for your tax records.
Questions about our structure may be directed to info@viga.org.
This statement is current as of June 12, 2026.

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PAGE: Privacy Policy
URL: https://viga.org/policy/
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VIGA Legal
Privacy Policy.
What personal information VIGA collects, how we use it, when it may be shared, and the choices you have — including SMS consent and opt-out.
Last updated: July 13, 2026
1Information We Collect
We may collect personal information that you voluntarily provide when contacting us, applying for a loan, making a donation, or otherwise using our services. This information may include your name, email address, phone number, mailing address, and any other information you choose to provide.
2How We Use Your Information
The information we collect may be used to:
Provide and improve our services.
Respond to customer inquiries and support requests.
Process transactions and fulfill requested services.
Send service-related notifications and updates.
Communicate with you regarding your account or requested services.
Send SMS messages only when you have provided your consent.
3Information Sharing
We may share your information with trusted service providers who assist us in operating our business or providing services, when necessary and in accordance with applicable laws.
Mobile opt-in, SMS consent, and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes.
4SMS Communications
SMS Consent Communication
Information (phone numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.
Types of SMS Communications
If consent has been given to receive text messages from VIGA, messages may be received related to the following: appointment reminders and follow-up messages.
Example: “Hello, this is a reminder of your upcoming appointment with VIGA at 24586 Hawthorne Blvd. Suite 104, Torrance, CA on [Date] at [Time]. Reply STOP to opt out of SMS messaging at any time.”
Message Frequency
Message frequency may vary depending on the type of communication. For example, up to 1–2 SMS messages per week may be received related to appointment reminders and follow-up messages.
Potential Fees for SMS Messaging
Standard message and data rates may apply, depending on the carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.
Opt-In Method
Opt-in to receive SMS messages from VIGA can be done in the following way: verbally, during a conversation.
Opt-Out Method
Opting out of receiving SMS messages can be done at any time by replying “STOP” to any SMS message received. Alternatively, direct contact can be made to request removal from the messaging list by emailing info@viga.org or calling 1-877-ASKVIGA (275-8442).
Help
For any issues, reply with the keyword HELP. Alternatively, help can be obtained directly from us at https://viga.org/.
5Data Security
We implement reasonable administrative, technical, and physical safeguards to help protect your personal information from unauthorized access, disclosure, alteration, or destruction.
6Your Choices
You may contact us at any time to request access to, update, or delete your personal information where applicable.
7Contact Information
If you have any questions regarding this Privacy Policy, please contact us:VIGA 24586 Hawthorne Blvd. Suite 104, Torrance, CA 90505, United States Email: info@viga.org Phone: 1-877-ASKVIGA (275-8442) Website: https://viga.org/

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PAGE: Contact
URL: https://viga.org/contact/
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Contact
We’d love to hear from you.
Borrower question, business enrollment, employer benefit, Living Fund, CSR, press — one form reaches a real person. Or call 1-877-ASKVIGA.
First name *
Last name
Email *
Phone
I am reaching out about 
Comment or messageSubmit
24586 Hawthorne Blvd. Suite 104, Torrance, CA 90505 · info@viga.org · 1-877-ASKVIGA (275-8442)