---
title: "Jia: Invoice Financing in Kenya — Fees"
description: "Get working capital in Kenya by financing invoices: advance up to 90% in 30 minutes, usually under 24 hours. Fees 1–5%, terms 1 day–6 months."
canonical_url: "https://liners.com/jia"
markdown_url: "https://liners.com/jia.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/jia/screenshot.webp?v=1784413448405"
published_at: "2026-07-20T22:31:29.351Z"
updated_at: "2026-09-12T22:03:09.976Z"
---

# Jia: Invoice Financing in Kenya — Fees

Get working capital in Kenya by financing invoices: advance up to 90% in 30 minutes, usually under 24 hours. Fees 1–5%, terms 1 day–6 months.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Jia](/jia)

## Summary

Turn unpaid invoices into cash in under 24 hours

An invoice financing platform for SMEs that advances up to 90% of unpaid invoices, plus a no-fee interest-bearing business account and cash flow tracking on web.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.jia.xyz/ |
| Tagline | Turn unpaid invoices into cash in under 24 hours |
| Primary country | Kenya |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Jia is a fintech platform for SMEs and supply chain operators that need fast **working capital** by converting unpaid invoices into cash.

Key capabilities include:
- **Invoice financing (Jia Advance)**: Upload an invoice and receive up to **90%** of its value, with funding in as little as **30 minutes** and typically in **under 24 hours** after onboarding.
- **Supply chain and merchant financing**: Supports **invoice factoring**, **inventory financing**, **supply chain financing**, and **platform financing** to extend capital to suppliers, distributors, and merchant networks.
- **Business banking**: A **no-fee business account** where balances **earn interest**, designed to hold and move money with capital available when needed.
- **Cash flow intelligence**: Tracks **invoices, payments, and balances** in one place to show what is coming in and going out.

Available on **Web** via jia.xyz and the dashboard at **dashboard.jia.ph**.

Built for **SMEs/MSMEs that issue invoices** and need short-term liquidity, and for **enterprises and platforms** that want to finance merchants, distributors, and suppliers across their supply chains.

Notable for its documented use in **Africa and the Philippines**, including supply chain financing for African Originals, and for connecting invoice-backed financing to broader capital sources; the company also reports financing **15,000+ invoices** and **$1M+ monthly originations** (as stated on its website).

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Kenya](/countries/kenya): Market

## Related pages

- [Alternatives](/jia/alternatives)
- [Reviews](/jia/reviews)
- [Transparency](/jia/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/jia)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)