Solution Business

We are engaged in the solution business by leveraging our accumulated expertise in credit and loan management. In the loan guarantee business, when a financial institution receives an application for an unsecured personal loan from a customer, it screens the application, and then we, as the loan guarantee company, conduct guarantee screening. Based on the results of our guarantee screening, the financial institution provides the loan to the customer. If the customer becomes unable to repay the loan, we will repay the financial institution on behalf of the customer. Our Guarantee Centers, located in Tokyo and Fukuoka, are entrusted with application reception and guarantee screening for unsecured personal loans provided by our partner financial institutions.

In collaboration with NTT Data Japan Corporation, we have built a platform that supports the digitalization of overall operations regarding loans, and we have begun providing the platform to financial institutions. In the personal loan business, financial institutions and loan guarantee companies are faced with inflated system costs and more complicated administrative operations. By resolving these issues through the realization of digital transformation and providing new value to financial institutions and users, we aim to contribute to the expansion of the personal loan market and become the industry standard. By utilizing the expertise we have cultivated in consumer finance, we also provide affiliated loans that can contribute to the revitalization of general business companies’ core businesses and their business diversification, thereby aiming to develop new business models.