The super agent built for financial operations

Viv handles the work when journeys need review, helping lenders and brokers unlock revenue faster.

financial operations
processing invoices.
onboarding customers.
chasing documents.
verifying identities.
checking income.
reconciling payments.
following up.
resolving discrepancies.
updating systems.
preparing approvals.
remembering what worked.
Learning how your business works.
Getting better at the job.

Built for financial services teams running complex customer journeys.

Lenders · Brokers · Insurers · Fintechs

1.9 billion

unique customer journeys annually

650 million

of them still need a person to do the work

Customer journeys don’t always go to plan.

When information is missing, a check can’t be resolved or something falls outside the expected range, someone has to work out what happens next and keep it moving.

<50%

right-first-time submissions

15–20

message rounds on a typical secured-loan case

people involved in one case

5+ hrs

of administration on the broker-to-lender leg

Source: Nivo lender and broker research, 2026, covering 70+ firms.

When they don’t, someone has to step in.

They work out what’s needed, get the information, follow up and keep the journey moving.

Application #10427

£250k hire purchase for a used CNC machine

System

Automated checks

Company registration

Verified

Director identity

Verified

Business credit

Complete

Business affordability

Needs review

Business banking

Missing

Management accounts

Missing

Sarah · Broker operations

Manual review

Sarah · Broker operations

Requests access to the business bank account

James · Finance director

Connects the business bank account

Sarah · Broker operations

Requests the last three years of management accounts

James · Finance director

Emails three years of management accounts

Sarah · Broker operations

Requests company and director searches

Credit provider

Returns the company and director results

Sarah · Broker operations

Finds existing commitments need confirming

Sarah · Broker operations

Requests the current liabilities schedule

James · Finance director

Uploads the current liabilities schedule

Sarah · Broker operations

Reviews the affordability evidence

Application #10427

Business affordability evidenced

Application #10427

Ready to assess

Day 1

Day 2

Day 3

Day 4

Day 5

Day 6

Give that outcome to Viv instead.

Your team defines what needs to be achieved. Viv takes responsibility for getting there.

SarahBroker operations

➤

To: Viv

Can you evidence that this business can afford the £250k facility?

▤

Application #10427Asset finance · £250k

Got it.I’ll take it from here.

Viv works out what needs to happen next.

It starts with the information and tools already available.

Outcome

Verify affordability

Application #10427

● Route ready

Outcome plan

Best route

Review available evidence

Use checks already completed

Connect business banking

Gather account activity

Resolve remaining gaps

Choose accounts, company or director checks as needed

Affordability evidenced

Return the evidence and reasoning

It starts with the best route.

Viv contacts the customer and gets the first evidence.

Hi James. To evidence business affordability, please connect your company bank account securely.

Select your business bank

Barclays

HSBC

Lloyds

NatWest

✓

Connected

And evaluates what comes back.

Viv understands the gap and finds another way.

Business banking evaluated.

Barclays Business

✓ Connected

12 months

Account activity received

More evidence needed

Management accounts and commitments required

If that isn’t enough, it tries another way.

Viv works out what else could establish the outcome.

Thanks James. To complete the affordability evidence, please provide:

▤

Last three years of management accounts

▤

Current liabilities schedule

▤

Existing finance commitments

If the customer doesn’t respond, it follows up.

No response doesn’t mean the journey stops.

Tue

Wed

Thu

Viv

Follow-up

09:30

Your management accounts are still outstanding.

James

Finance director

10:24

Management accounts and liabilities schedule uploaded.

As new evidence arrives, Viv keeps going.

It evaluates everything together against the same outcome.

Business banking

Received

▤

Management accounts

Received

⌂

Company search

Complete

◎

Director credit checks

Complete

Every step is accounted for.

Actions, evidence and reasons stay attached to the outcome.

Every step is accounted for

Application #10427

Day 1

Affordability outcome received

Day 1

Available checks and evidence reviewed

Day 2

Business banking requested

Day 2

Banking evidence evaluated

Management accounts and commitments still required

Day 3

Further evidence requested

Day 4

Company and director checks complete

Day 5

All evidence evaluated together

Day 6

Business affordability evidenced

Until the outcome is complete.

Everything needed is there. The work is ready for your team.

✓

Outcome complete

Business banking evaluated

Complete

Management accounts verified

Complete

Company and director checks

Complete

Business affordability

Evidenced

Your team makes the decision.

Viv gets the work ready and stops at the decision.

Does the work.

Application #10427

Affordability evidenced

YOUR TEAM

Makes the decision.

Ready for underwriting

Review application

Now do that across millions of journeys.

Different customers. Different stages. Different work. Viv keeps each one moving towards its outcome.

Application #10427

Ready for underwriting

Application #10428

Collecting additional evidence

Application #10429

Verifying identity

Application #10430

Requesting bank connection

How much more could you handle?

See what happens when Viv increases capacity and speed while reducing cost and operational risk.