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What are you trying to do today?
Every business is different. Tell us what's slowing yours down.
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Healthy businesses don't usually have a revenue problem. They have a timing problem.
You already did the work. You already made the sale. You already earned the revenue.
But suppliers, payroll, inventory, and growth opportunities don't wait for payment terms.
That's where Jia comes in.
How much working capital could you unlock?
Whether you're waiting on invoices, buying inventory, or funding your next opportunity, estimate how much capital could be available to your business.
What happens when cash arrives at the right time?
A growing Philippine distributor unlocked ₱2.8M in working capital through Jia, replenished inventory, and fulfilled every customer order, without waiting 60 days to get paid.
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It gives you peace of mind that you have an option B to run into. We did everything in three days, which is like 50% faster than competition, and there is still that human touch where you can push invoices two or three days without penalty fees.
Jia really saved us our assets before. Hindi namin nasira 'yung relationship namin between the supplier, and we see you as a partner with your growt. As we grow, you grow also.
Pag may receivable lang ako, lapit lang ako kay Jia. Dati, 'yung malaking project namin, na-s-stop talaga ng mga two to three weeks. Ngayon, pwede na namin masabay. Madali lang pala, pwede nga sa cellphone.
What Happens Next?
Every business is different. Tell us what's slowing yours down.
✓ Business registration
✓ Valid government ID
✓ Recent bank statements
✓ Sales invoices or proof of business transactions
Don't have everything yet? That's okay. We'll guide you through the rest.
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We joke that none of us planned to end up here. Kaspars came to 'find himself,' Noah was escaping burnout, Marcus was running from a bad breakup. Sofia and Kristina came for a month and never left. We all just... stayed. We met randomly – at surf breaks, beach bars, one at a full moon party. Started hanging out, helping each other with gigs here and there. Eventually we realized we worked well together and had the same crazy idea: why not start a surf camp? That was three years ago.
Now we're on our 20th camp, and we just want you to experience the same thing that made us all stay.
Frequently
Asked Questions
My business is profitable. Why is cash always tight?
Because revenue and cash flow are different things. Profit appears on paper, but cash is what pays suppliers and payroll. Jia solves the timing gap between earning and getting paid.
Can Jia help if I need to buy inventory before I get paid by customers?
Yes, our Inventory Financing funds stock and raw materials so you don’t have to wait. Repayment aligns with your sales cycle.
Do I need to put up collateral like real estate or equipment?
No, Jia’s working capital solutions are based on your actual business activity (invoices, inventory, purchase orders), not collateral.
How long does approval take?
Most businesses receive a decision within 1–3 business days for invoice financing. Inventory and supply chain funding timelines vary, but we’re much faster than traditional banks.
What if I already have a bank loan? Can I still use Jia?
Often yes, Jia financing is based on your receivables and operations, not your existing debt. We’ll review your situation case‑by‑case.
Is Jia an alternative to banks or in addition to them?
Both. Many SMEs use Jia for timing‑gap needs while keeping their bank relationship for long‑term borrowing.
What industries do you work with?
Distributors, logistics, B2B services, manufacturers, retailers, e‑commerce sellers, and more. If you have invoices, purchase orders, or inventory, we can help.
How does Jia verify if my invoices are legitimate?
We validate invoices directly with your client (discreetly for invoice financing, openly for factoring). We also review your financials and bank statements.
Can I use Jia to pay my suppliers directly?
Yes, our Supply Chain / Anchor Financing funds supplier payments so you can pay upfront even when your customers haven’t paid you yet.
What happens if my business has a bad month?
Because repayment is tied to your actual cash flow (e.g., when client pays), you’re not forced into fixed repayments that strain your cash.
Still have questions?
Whether it's about the products, application, or anything in between, we're happy to help.