Get flexible funding for whatever comes up
Jia Flex is a revolving line of credit for your business, approved once, based on your cash flow, with no invoices or collateral required. Draw what you need, pick a term from 1 to 6 months, and repay through fixed monthly payments. As you repay, your limit frees back up, ready the next time something comes up.
How Jia Flex Works for You
No invoices, purchase orders, or payer lists needed
Approved on your business's cash flow: bank statements and financials only.
Request and sign, all from your dashboard
Request a draw, see your terms, and sign, with no waiting on manual approval to get started. Funding follows once your documents are verified.
Draw on your terms
Pick a term from 1 to 6 months per draw. See your exact rate, monthly payment, and total cost before you sign.
Repay early and pay less
Pay off any draw in full at any time and get a rebate on unearned interest
How much working capital could you unlock?
Move the sliders below to estimate how much funding could be available to your business.
How it Works
Apply
with your business registration documents, bank statements, and financials, no invoice history required.
Get approved
for a credit limit, rate, and maximum term.
Draw funds
anytime, up to your available credit, and choose the term for that draw.
Sign and get funded
Sign your loan agreement online, then get funded directly to your Jia account once verified.
Repay automatically
Your fixed monthly payment is deducted from your Jia account on each due date.
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
No invoices, purchase orders, or payer history required
Business Track Record
Operating for at least 2 years
At least ₱5 million annual revenue
Frequently
Asked Questions
What is Jia Flex?
Jia Flex is a revolving, unsecured line of credit for your business. You're approved once for a credit limit, and then you can request "draws" against it whenever you need cash, choosing a term of 1 to 6 months for each one. As you repay a draw's principal, that amount frees back up in your limit, ready for your next draw. No reapplying, no invoices, no collateral, just your business's cash flow.
How is Jia Flex different from Jia Advance?
Jia Advance is receivables financing secured by your invoices. Jia Flex is fully unsecured and approved on cash flow alone. You can only hold one of the two at a time.
How is my advance fee calculated?
Interest and DST are deducted upfront at disbursement. Your fixed monthly payments then cover principal only, split evenly across your chosen term.
Can I repay early?
Yes, full payoff only, any time, with a rebate on unearned interest. A minimum charge equal to 30 days of interest always applies, so 1-month draws don't qualify for savings.
What happens if I miss a payment?
A 3-day grace period applies first. After that, extension fees accrue daily on the overdue balance, and your line pauses for new draws until you catch up.
How much can I borrow?
Your credit limit is set individually based on your business's cashflow and financials.
