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Our mission

We envision a world where everyone has control of their financial destiny.
We’re building that world by creating a global financial community where small businesses can participate as active members, access capital when they need it, be rewarded for the value they contribute to the economy, and build wealth for their families.

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© 2024 Jia Co. All rights reserved.

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© 2024 Jia Co. All rights reserved.
Our story

We started Jia after a decade of working in microfinance and fintech.

Hi, I'm Zach, one of Jia's co-founders. I began my career in South Sudan providing farmers with financing to grow their businesses and feed the country. My co-founder and chief product officer, Cheng, started her career helping finance community banks in Tanzania.

From these early experiences, we saw the massive need for alternate forms for financing to help communities excluded from the traditional financial system.

We made the jump to fintech to deliver solutions to this problem at scale. Yet after 5+ years working at one of the world’s leading consumer finance companies, we saw that despite new technologies, the lending industry was still too transactional. Rates were far too high, terms too inflexible. This left little room for small businesses to create real wealth for themselves and their communities.

We started Jia to create something new – a fair and efficient new arrangement where small businesses win. We’re more than a lender. Jia is a digital community. And in doing so, building a fairer financial system that truly works for everybody.

- Zach, Co-Founder / CEO & Cheng, Co-Founder / CPO

We believe in a fair and efficient new arrangement where everyone wins. We can fairly serve millions of business owners who were formerly unable to secure loans at affordable rates, and put them on a path to build wealth.

Pull up a chair and join us on our journey to unlock financial freedom across the globe.

Thank you, asante, salamat, धन्यवाद & 谢谢,
Zach & Cheng

So, why Jia?
We chose a name grounded in our global roots. 🌎🌍🌏

In Chinese, Jia 家 means home or family, the central financial unit we are expanding upon 🏡

In Hindi, Jia जिया means heart, because we provide financial services with a heart 💖

In Swahili, Njia means road or path, and we're building the path to financial independence! 🛣️

Our team

We’re a fun-loving group from different walks of life - fintech nerds, adventurous consumers of street food from around the globe, lovers of languages, karaoke singers, mountain climbers, sourdough bakers, poets and painters who have worked across 50+ countries. Interested in joining the ride?
Join our team
Case Studies
Ilara Health: Financing healthcare for underserved communities in Africa

Ilara Health equips medical clinics with lifesaving tools to improve the quality of care. Jia provides Ilara's clinics inventory financing to buy medicines their patients need.

Jackfruit Finance: Powering affordable quality education across Kenya

Jackfruit Finance provides accessible, affordable financing to schools across Kenya. With Jia, Jackfruit enables schools to pay teacher salaries, buy books and construct classrooms.

Does your business or organization need financing?
Get in touch with us.
Jia partners with businesses and organizations in emerging markets with networks of entrepreneurs, small businesses and creditworthy individuals who have a need for financing.
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