VIVA Finance Triples Loan Origination Volume Following Migration to LoanPro Platform

Quick Summary

VIVA Finance has achieved a 300% increase in loan origination volume within one year of migrating to the LoanPro lending platform. By replacing legacy systems with an API-first architecture, the alternative lender scaled operations without increasing headcount, enabling efficient underwriting based on employment history rather than credit scores.

How Does LoanPro Enable Rapid Lending Scalability?

The LoanPro lending platform provides the technical infrastructure necessary for high-growth fintechs to expand without the friction of legacy debt. By utilizing an API-first architecture, VIVA Finance was able to complete a full platform migration in just four months. This transition eliminated the need for manual data translation and provided a web-based UI that empowered agents with real-time access to loan portfolios.

• 300% growth in loan originations within 12 months.
• Zero proportional headcount increases required to manage tripled volume.
• 4-month implementation timeline for full system migration.

The core of this success lies in the Automation Engine, which handles repetitive servicing tasks that previously required manual intervention. This allows lenders to maintain a lean operational team while focusing engineering resources on product innovation rather than system maintenance.

What Challenges Does Employment-Based Lending Solve?

VIVA Finance targets borrowers overlooked by traditional institutions by underwriting on employment history. This model requires a highly flexible loan management system capable of handling unique data sets and non-traditional credit structures. LoanPro’s single data layer ensures that information remains consistent across the entire lifecycle of the loan, reducing errors that typically plague alternative lending models.

"The biggest benefit we saw with LoanPro is the ability to automate a lot of the tasks we do manually, so that when we grow, we're not hiring servicing agents one-on-one with that growth," said Payton Lane, Product Manager at VIVA Finance. "Keeping the team lean, automating manual tasks that don't need to be manual."

How Does a Modern Core Support Multi-Product Roadmaps?

Beyond immediate scaling, the LoanPro lending platform serves as the foundation for VIVA’s 2026 multi-product expansion. With a composable architecture, the firm can now launch new financial products without rebuilding their core infrastructure. This flexibility is critical for fintechs looking to maximize customer lifetime value through diversified credit offerings.

"We knew we would be able to scale with LoanPro, and doing it now has enabled us to focus on other products and continue to push the pedal to the metal," said Pete Gerontakis, Vice President of Finance at VIVA Finance. "I'm not really sure there are any competitors that can do everything LoanPro can."

FF NEWS TAKE:

This announcement highlights a critical shift in fintech: the move away from monolithic legacy cores to the LoanPro lending platform. Tripling volume without adding staff is the ultimate proof of operational efficiency. For the wider industry, VIVA’s success proves that alternative underwriting models are not just viable but highly scalable when supported by the right cloud-native infrastructure. This definitely moves the needle for mid-market lenders.