Netbank (A Rural Bank), Inc. is excited to announce its new loan channeling partnership with Jia Financing Inc., a fintech innovator revolutionizing small business financing in emerging markets.
By leveraging Netbank’s advanced banking infrastructure, Jia will scale its invoice financing solutions, bringing unprecedented access to capital for SMEs in the Philippines.
Revolutionizing SME Financing
Small and medium enterprises (SMEs) are the backbone of emerging market economies, yet many face barriers to growth due to limited access to affordable and timely financing. Traditional lending is slow, rigid, and often excludes high-potential businesses. Jia is changing that.
Through its cutting-edge invoice financing model, Jia provides SMEs with fast, flexible access to the capital locked in their receivables, enabling them to cover operational expenses, pay suppliers on time, and invest in growth opportunities. Unlike traditional financing, Jia combines speed, transparency, and affordability, helping businesses thrive in competitive markets.
Jia stands apart by merging deep local expertise with blockchain technology, unlocking a new era of efficiency and trust in financial services. For businesses, this means accessing working capital with minimal friction; for investors, Jia represents an opportunity to support profitable, high-impact lending while earning competitive returns.
Jia is not just a lender—it’s a pioneer in using blockchain to deepen capital markets and bridge funding gaps for SMEs. By tokenizing receivables, Jia enhances liquidity and transparency, attracting global investors to support high-quality lending opportunities in the Philippines and other emerging markets. This innovative approach is creating a more inclusive financial system, where every small business has the tools to grow and prosper.
"Our mission is to help SMEs in emerging markets access the capital they need to grow and succeed," said Zach Marks, CEO of Jia. "By partnering with Netbank, we’re able to focus on what we do best: empowering businesses, while leveraging Netbank’s infrastructure to ensure smooth, compliant, and scalable operations."
Innovative Loan Solutions Powered by Netbank
To implement the loan channeling, Jia Financing Inc. will assign their invoice financing loans to Netbank using a streamlined batch file upload process. Netbank will also enhance Jia’s Know Your Customer (KYC) processes with access to Kaiser Check sanctions screening. This solution ensures seamless operations while maintaining compliance and efficiency.
"We are thrilled to support Jia in its efforts to empower businesses in emerging markets," said Bugs Estipona, Head of Loan Sales and Innovation at Netbank. "By leveraging our robust loan solutions, Jia can focus on its mission of fostering prosperity through innovative financing models."
"Netbank’s seamless loan assignment and compliance systems enhance the efficiency of our operations in the Philippines," said Krizanne Ty, President & Country Head of Jia Financing Inc., Philippines. "This partnership not only enhances our efficiency but also empowers us to deliver faster, more reliable financing to Filipino SMEs, ensuring they have the resources they need to drive growth and strengthen the nation’s economy."
Next Steps for Netbank
Netbank is committed to furthering its partnerships with innovative companies like Jia, providing world-class financial solutions that enable growth and inclusion. The next steps include optimizing system performance and ensuring ongoing support for Jia’s operational needs.