Jia provides a unified financial platform for small and medium‑size businesses in emerging markets, offering invoice, inventory, and supply‑chain financing with disbursements in under 24 hours and fees of 1‑5 %. The solution includes a no‑fee business account that earns interest on idle balances and real‑time cash‑flow tracking, all integrated via API/ERP for seamless management of capital and payments.
Funding
$1M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
+41Founders
Product
Problem
Small businesses in emerging markets often lack quick, affordable access to working capital, making it difficult to convert invoices or inventory into cash, maintain supplier relationships, and manage cash flow efficiently.
Solution
Jia offers a unified financial platform that provides invoice financing, inventory financing, and supply‑chain financing with disbursement in under 24 hours. Businesses upload invoices or request early payment for supplier invoices, receive up to 90 % of face value at transparent rates of 1‑5 %, and can choose repayment terms from one day to six months. The platform also includes a no‑fee business account that earns interest on idle balances and integrates with existing ERP systems for seamless tracking of payments, balances, and cash‑flow forecasts. By combining capital access, cash‑flow management, and earnings on held funds in a single dashboard, Jia enables small enterprises to grow without the delays and high costs of traditional bank loans.
Target Audience
Jia serves small and medium‑size enterprises in emerging markets that sell goods or services on credit, as well as larger buyer organizations seeking to improve supplier reliability through early‑payment programs.
Features
- Invoice factoring that advances up to 90 % of invoice value with fees between 1‑5 % and same‑day disbursement
- Flexible inventory financing allowing merchants to purchase stock and repay on agreed terms (1 day‑6 months)
- Supply‑chain finance that pays suppliers early while the buyer repays Jia at invoice maturity, strengthening supplier loyalty
- Integrated business account that holds funds fee‑free, earns interest, and provides real‑time cash‑flow visibility
- API/ERP integration for automatic syncing of invoices, payments, and balances across existing financial systems
- Streamlined KYB onboarding and a 10‑minute application process delivering customized offers within 24 hours