Turn unpaid invoices and purchase orders into the cash your business needs now
Jia Advance is receivables financing for your business: an advance against invoices and purchase orders you've already issued. Get funded against what your customers already owe you, repay when they settle the invoice or PO, and unlock your next advance right after.
How Jia Advance Works for You
Secured by your receivables
Approved based on your invoices, purchase orders, and payer history, not just your own financials. Strong payer relationships can unlock larger advances.
Get paid before your customer pays you
Bridge the gap between issuing an invoice or PO and collecting on it, instead of waiting 30, 60, or 90 days for payment terms to clear.
Repay when you get paid
Full repayment is due at maturity, timed to when your customer settles the invoice or PO.
Partial or full early repayment
Pay down an advance early, in part or in full, and reduce the total fees you owe.
How much working capital could you unlock?
Move the sliders below to estimate how much working capital could be available to your business.
How it Works
Apply and get approved
Submit your business registration, bank statements, financials, and invoice or PO history. Get approved for a credit limit and advance rate based on your business and your payer.
Submit an invoice or PO
Send the one you want an advance against.
Get reviewed and sign
Jia verifies the invoice, your application, and your promissory note. You sign, assigning that invoice or PO as security for the advance.
Get funded
Funds land directly in your Jia Business Account once approved.
Repay at Maturity
Timed to when your customer settles the invoice or PO, or repay early, in part or in full.
Eligibility Requirements
Business Registration
Registered with BIR
Registered with DTI or SEC
Mayor's Permit
Articles of Incorporation and GIS on file
Business Financials
Bank statements (6–12 months)
Audited financials
Receivables documentation: invoice / PO history
Business Track Record
Operating for at least 2 years
At least ₱5 million annual revenue
Frequently
Asked Questions
What is Jia Advance?
Jia Advance is receivables financing for your business. You're approved for a credit line based on your invoices, purchase orders, and payer history; then you can request an advance against a specific unpaid invoice or PO. You repay in full when your customer settles it, and your available credit frees back up for your next advance.
How is Jia Advance different from Jia Flex?
Jia Advance is secured by your invoices and POs, and repaid in a single payment at maturity. Jia Flex is fully unsecured, approved on cashflow alone, and repaid through fixed monthly installments. You can only hold one of the two at a time.
How is my advance fee calculated?
Your advance fee is a monthly rate applied to your advance amount, prorated for the number of days until your customer settles the invoice or PO. That rate is set individually, based on your business's financials and your payer's track record, the same profile used to set your credit limit.
Can I repay early?
Yes, both partial and full early repayment are supported, which can reduce your total fees.
What happens if my customer pays late?
Extensions are handled on a per-borrower basis rather than pausing your entire credit line automatically. Reach out to your account contact if a payer's timeline shifts.
How much can I borrow?
Your credit limit and advance rate are set individually based on your business's financials and the strength of your invoice/payer history.
