VIVA is a Fintech Startup based in Atlanta, GA with the mission to build a more inclusive financial system. VIVA offers unsecured personal loans to subprime customers who have traditionally been excluded and taken advantage of by the legacy financial institutions. The VIVA difference is to underwrite heavily on employment history and set up repayments through voluntary direct deposit payments from the borrower paycheck. We are a VC backed company and have been in business for 5 years. We hit cash-flow positive in May and are now default alive with our ongoing growth series B likely to be our final round.