A way to convert receivables to cash instantly
Factoring is the sale of your accounts receivable (invoices/purchase orders)
to a factoring company, allowing you to receive funds immediately.
It's not a loan — no debt on your books and fast approval.
Convert issued invoices to cash immediately. Available in 2-company (confidential) and 3-company structures.
Fund at the order stage — before invoicing. Secure cash for materials and labor costs upfront.
Advance payment for medical and nursing care receivables. Improve cash flow without waiting for insurance reimbursement.
More than just factoring — we support you until "graduation." An integrated factoring and consulting service.
Fund at the purchase order stage — a rare capability. Few companies in the industry offer this service.
Rapid review with same-day turnaround. Funds transferred within 30 minutes after contract signing.
Flexible amounts from ¥100,000 to ¥300 million. We handle large-scale projects with confidence.
With 2-company factoring, your clients are never notified. Complete confidentiality guaranteed.
Through subsidies, grants, and financial analysis, we help you build a company that qualifies for bank loans.
Not just online — we visit you anywhere in Japan. Face-to-face consultations available nationwide.
Factoring is fundamentally different from traditional bank loans. Choose based on your speed and flexibility needs.
| Criteria | Factoring (REGAXIA) | Bank Loan |
|---|---|---|
| Speed | ◎ Same day — 30 min after contract | △ 2 weeks to 2 months |
| Approval Criteria | ◎ Based on your client's credit | △ Based on your company's performance |
| Collateral/Guarantor | ◎ Not required | △ Often required |
| Balance Sheet Impact | ◎ No debt recorded | Recorded as borrowing |
| Deficit/Tax Arrears | ◎ Still eligible | ✕ Significantly impacts approval |
| Amount Range | ◎ ¥100K — ¥300M | Varies by institution |
| Client Notification | ◎ Not required (2-company) | — |
Trusted by businesses across diverse industries.
Secure materials and subcontractor costs upfront with purchase order factoring. Ideal for long-duration public works projects.
Purchase Order Factoring
Fund raw materials and equipment investments. We handle invoices with 60+ day payment terms to improve cash flow.
Long Payment Terms
Handle seasonal inventory purchases with ease. Secure funding before peak seasons so you never miss a business opportunity.
Seasonal Flexibility
IT projects take time to complete. Secure outsourcing costs at the order stage to assign top talent immediately.
Project-Based
Long reimbursement cycles from insurers. Convert medical and nursing care receivables to cash for stable operations.
Insurance Claims
Bridge the gap between monthly payroll obligations and client payment cycles. Build a stable financial foundation.
Payroll SupportWe won a large construction project but needed upfront materials funding. Purchase order factoring allowed us to secure cash at the order stage, and we completed the project successfully.
After being rejected by our bank due to deficit financials, REGAXIA approved us based on our client's creditworthiness. Funds arrived the next day — a lifesaver.
We needed large inventory purchases before peak season. The 2-company structure meant our suppliers never knew we used factoring, which was crucial for us.
While using factoring, REGAXIA also helped us apply for government subsidies. Now we qualify for bank loans and have "graduated" from factoring entirely.
Beyond factoring — comprehensive business support tailored to your company's growth phase.
Leverage inventory, movable assets, and intellectual property for alternative funding solutions.
We research applicable government programs and support you from application to approval.
From creating restructuring plans to negotiating with financial institutions — hands-on support throughout.
Client credit checks, credit limit setting, and receivable protection strategy development.
Business continuity risk assessment, mitigation planning, and BCP development.
We connect you with specialists matched to your industry and size. Strengthen your financials for future lending.
Guided by our philosophy of "Sincerity and Good Faith",
we build trust as the foundation of every relationship,
partnering with SMEs to forge a certain future.
"Changing Japan through SMEs" —
Creating the future together with businesses nationwide.
The latest information and know-how on factoring
* Articles are in Japanese
A comprehensive explanation of factoring mechanics, advantages, disadvantages, and key considerations.
Learn how purchase order factoring lets you access cash before completing work or issuing invoices.
Compare 2-company and 3-company fee structures, and discover practical tips to minimize costs.
Understand what reviewers look for and how to prepare for a smooth approval process.
Benefits and considerations for independent professionals looking to use factoring services.
Industry-specific cash flow challenges and how factoring provides effective solutions.
