Netbank and Jia Team Up to Revolutionize Business Financing in Emerging Markets

Empowering Growth Through Blockchain-Based Innovation

In the heart of Manila, the future of small business financing is being reshaped. Jia Financing, Inc., a forward-thinking fintech leader, has joined forces with Netbank (A Rural Bank), Inc. to launch a groundbreaking partnership that will provide small and medium-sized enterprises (SMEs) in the Philippines with faster, more accessible financing. This collaboration brings together Jia’s innovative invoice financing model and Netbank’s robust banking infrastructure to create a seamless, blockchain-powered solution that promises to unlock new levels of growth for SMEs.

The Challenge of SME Financing in Emerging Markets

SMEs are the lifeblood of emerging market economies, contributing to job creation, economic growth, and innovation. Yet, despite their significance, these businesses often face significant challenges in securing financing. Traditional lending channels are slow, cumbersome, and often inaccessible to high-potential businesses that are excluded from conventional credit systems.

This is where Jia is making a difference. By leveraging its cutting-edge invoice financing platform, Jia allows businesses to tap into the working capital tied up in their receivables, providing them with quick access to funds. With Jia’s solution, SMEs can cover operational expenses, settle payments to suppliers, and reinvest in their growth — all without the delays and rigidity of traditional financial institutions.

Blockchain Technology: The Game-Changer for Financial Inclusion

What sets Jia apart is its ability to merge local expertise with blockchain technology. This unique blend is transforming the way businesses access capital in emerging markets. By tokenizing receivables, Jia creates a more transparent, liquid, and efficient financial ecosystem. Blockchain doesn’t just enhance the speed and transparency of transactions — it also attracts global investors to high-quality lending opportunities, deepening capital markets and enabling SMEs to thrive.

“At Jia, we’re not just about providing loans; we’re pioneering a new approach to financing that makes capital more accessible and markets more inclusive,” said Zach Marks, CEO of Jia. “Partnering with Netbank enables us to leverage their established infrastructure to scale our impact and empower businesses faster, while ensuring compliance and operational efficiency.”

How the Partnership Works: A Seamless Loan Channeling Solution

Under the new partnership, Jia will assign its invoice financing loans to Netbank through a streamlined batch file upload process, making it easier for businesses to access funds. Netbank will also play a critical role in strengthening Jia’s compliance procedures by enhancing the company’s Know Your Customer (KYC) process using Kaiser Check sanctions screening services. This integration ensures a smooth, efficient, and fully compliant operation — key factors in maintaining the trust of both borrowers and investors.

“We are excited to partner with Jia and support its mission to provide innovative financing solutions to SMEs,” said Michael “Bugs” Estipona, Head of Loan Sales and Innovation at Netbank. “Our platform’s capabilities will allow Jia to focus on what they do best — helping businesses grow — while ensuring they have the necessary infrastructure to operate at scale.”

Empowering Filipino SMEs: A Vision for Growth

The impact of this partnership is already being felt in the Philippines. Krizanne Ty, President & Country Head of Jia Financing Inc., emphasizes the tangible benefits that this collaboration will bring to Filipino SMEs. “Netbank’s efficient loan assignment and compliance systems make it easier for us to serve Filipino businesses quickly and reliably. This partnership ensures that SMEs have access to the capital they need to grow and succeed, driving economic progress for the nation.”

With the combined strengths of Jia’s innovative financing model and Netbank’s banking infrastructure, this partnership promises to accelerate the growth of Filipino businesses, creating a more inclusive and prosperous future for all.

Looking Ahead: Building a More Inclusive Financial Ecosystem

This partnership marks just the beginning of what is set to be a long and fruitful collaboration. Netbank’s commitment to further developing innovative, low-cost financial solutions aligns perfectly with Jia’s mission of fostering financial inclusion and supporting economic growth in emerging markets.

As Netbank continues to optimize system performance and extend its support for Jia’s operations, the collaboration is poised to drive even greater impact. “We’re focused on building an inclusive financial ecosystem where every entrepreneur has the opportunity to thrive,” said Zach Marks. “Through our work with Netbank, we’re taking a giant leap towards making that vision a reality.”

For More Coverage

• Finextra: Netbank to Deliver Blockchain-Based Business Financing to Jia Financing — A detailed look at how Netbank is driving blockchain-based innovation in the SME financing space.
• Asian Banking & Finance: Netbank Partners with Jia Financing to Offer SME Loans — Insights into how Netbank’s partnership with Jia is poised to impact small business financing in the Philippines.

About Jia Financing, Inc.

Jia Financing, Inc. is a fintech lender dedicated to transforming small business financing in emerging markets. Combining local expertise with blockchain-driven solutions, Jia provides fast, transparent, and flexible financing options that empower SMEs to access capital, foster growth, and create lasting impact. With a focus on financial inclusion, Jia is working to create a more equitable financial ecosystem for businesses everywhere.

To learn more about Jia, visit www.jia.xyz.

About Netbank

Netbank (A Rural Bank), Inc. is the first embedded finance platform in Southeast Asia operating on a full banking license. Netbank’s innovative approach enables Filipino fintechs to grow quickly, reduce costs, and accelerate financial inclusion. By providing simple, creative, and low-cost solutions, Netbank helps partners open accounts, offer loans, and manage payments.

To learn more about Netbank, visit www.netbank.ph.