AI Factoring Service 'PAYTODAY' Surpasses 35 billion Yen in Cumulative Application Volume

Release Overview

Dual Life Partners Co., Ltd. has announced that its AI-powered factoring service, "PAYTODAY," has surpassed 35 billion yen in cumulative purchase application volume since its launch on January 15, 2021. The service supports the cash flow of corporations and sole proprietors by purchasing accounts receivable, such as invoices, before their payment due dates to provide early liquidity.

Service Features and Background

PAYTODAY targets startups, venture companies, and sole proprietors who often have limited financing options. It is utilized as "bridge financing" while waiting for traditional bank loans to cover temporary cash flow demands driven by business growth. In 2023, the company expanded its offerings by launching "RBF (Revenue-Based Financing) by PAYTODAY," which enables businesses to raise funds by assigning future sales (future receivables).

Technical Approach and Reasons for Adoption

Behind the milestone of 35 billion yen is a rapid screening framework that combines a proprietary AI evaluation system with human analysis. Furthermore, by building a fully online process from application and contracting to deposit, the service provides a swift funding environment that ensures businesses do not miss out on critical opportunities. Even for companies with limited financial track records, PAYTODAY conducts flexible screenings based on transaction statuses and the nature of their accounts receivable.

Future Outlook

PAYTODAY aims to reposition factoring not as a "last resort," but as "bridge finance" to propel businesses forward, continuing to build an environment that meets the financial needs of growing enterprises.