JaiDee
JaiDee provides embedded working capital for Thai SMEs, integrated directly into the e-commerce platforms, POS systems, and payment gateways they already use. The company uses a proprietary data-driven underwriting process based on merchant sales history to pre-approve eligibility, with capital deployed within 48 hours. Repayments follow a Pay-As-You-Sell model, adjusting with actual sales volume and offering no fixed instalments or penalties.
- Financial Technology
Funding
Founders
Founder details are not available yet.
Product
Problem
Thai SMEs often face cash flow gaps when growth opportunities arise before revenue arrives. Traditional bank financing relies on rigid structures, lengthy review processes, and fixed repayment schedules that do not align with the variable sales cycles of small businesses, making it difficult for merchants to access timely capital.
Solution
JaiDee provides embedded working capital that appears directly inside the e-commerce stores, POS systems, and payment gateways Thai SMEs already use, eliminating the need for separate applications or paperwork. The company uses a proprietary data-driven underwriting process based on a merchant's sales history to pre-approve eligibility quickly, with capital deployed within 48 hours. Repayments follow a Pay-As-You-Sell model, where the amount owed adjusts with actual sales volume—merchants repay more in strong months and less in slower ones, with no fixed instalments or penalties. The service is built on regulated infrastructure backed by DeeMoney, a Thai fintech, ensuring compliance with Bank of Thailand standards and reliability for merchants.
Target Audience
Primary customers are Thai SMEs and merchants who sell through e-commerce platforms, POS systems, or payment gateways and need flexible working capital to bridge cash flow gaps or fund growth opportunities.
Features
- Embedded financing integrated directly into e-commerce platforms, POS systems, and payment gateways, with no separate app or workflow detour
- Proprietary data-driven underwriting based on merchant sales history, enabling pre-approval without a lengthy review process
- Capital deployment within 48 hours of approval
- Pay-As-You-Sell repayment structure that adjusts with actual sales volume, with no fixed instalments or penalties for slower months
- Regulated infrastructure compliant with Bank of Thailand standards, backed by DeeMoney's existing cross-border fintech systems