Fivot's Invoice Financing Service Surpasses 150 Million Yen in First Month, Driven by AI Underwriting and Flat 8% Fee

Strong Initial Performance in the First Month

Fivot Inc. has announced that "Flex Capital Factoring," its invoice discounting service for SMEs launched on July 30, 2026, surpassed 150 million yen in total transaction volume within its first month. The service has been widely adopted by numerous small and medium-sized enterprises seeking to improve their cash flow.

Service Features and Value Proposition

Flex Capital Factoring is a two-party factoring service that enables the early conversion of accounts receivable into cash. While standard handling fees typically range between 10% and 20% in the market, the service offers a fixed, flat fee of 8% regardless of company size or industry. Furthermore, by adopting a fully online, end-to-end process that enables same-day deposits at the earliest, Fivot has established a system to respond swiftly to the financial needs of SMEs.

Credit Assessment Model Powered by AI

Operating under the philosophy of "going deep with data and moving fast with AI," Fivot utilizes a lending assessment model that integrates cutting-edge AI technology. This infrastructure has propelled the company's cumulative financing amount past 18 billion yen while maintaining stable operations with a low default rate of approximately 0.3%. In this new service as well, this high level of underwriting precision and agility underpins the trust of user companies.

Future Outlook

Founded in 2019 with the mission to "create a new flow of money for a new industrial structure," Fivot is a challenger bank startup. Moving forward, the company plans to further strengthen its invoice discounting and financing service infrastructure under the "Flex Capital" brand, building an ecosystem that supports the growth of SMEs and startups.