Invoice Financing & Receivables Factoring Philippines

You’ve already done the work. Why are you still waiting to get paid?

The issue isn’t your business. It’s your cash flow timing.

Does this sound familiar?

You have steady sales, but cash is always tight

You’re waiting 30 - 90 days to get paid

You delay inventory or payroll while waiting for payments

You’ve considered a loan, but it doesn’t quite solve the problem

You’re growing, but slower than you should

Revenue is already there.

It’s just not available when you need it. That gap - between earning and getting paid - is what’s holding your business back.

You don’t need more revenue. You need control over your cash.

the solution

Choose your financing option

Stay in control of your client relationships

Invoice Financing

Apply Now

Offload receivables and collections

Receivables Factoring

Apply Now

Why this works

What we’ve planned for you:

first-time

JIA Invoice Financing / Receivables Factoring fit if —

You already have sales, but payments take time

Your cash flow depends on when clients pay

You don’t want fixed repayments while waiting on receivables

You prefer funding tied to real transactions

first-time

Traditional SME Loans fit if —

You need a fixed lump sum for expansion

Your cash flow is predictable and steady

You’re funding long-term investments

faq

Frequently
Asked Questions

What is invoice financing?

Invoice financing lets you access cash from unpaid invoices before your clients pay. You get funding based on receivables you've already earned.

How does factoring work?

With factoring, Jia purchases your receivables and handles collection. You get cash upfront, and we manage the payment process with your client.

Is this better than a loan?

It depends on your situation. If your challenge is timing - waiting for payments while needing cash now - invoice financing often fits better than a fixed loan.

How quickly can I get funded?

Once approved, funding is typically available within 1-3 business days. The initial application and verification process usually takes a few days.

What are the requirements to apply?

You need to have a registered business. Basic business documents: SEC/DTI registration, recent financial statements, bank statements, and the invoices you want to finance.

Do my clients need to know I'm using Jia?

It depends on the product. With invoice financing, your relationship stays the same. With factoring, Jia handles collection directly with your client.

What if my client pays late?

We understand that payment delays happen. Our terms account for typical payment behaviors, and we work with you to manage timing issues.

Still have questions?

Whether it's about the products, application, or anything in between, we're happy to help.