Quants Surpasses 138.2 Billion Yen in Securitized Receivables via AI Credit Assessment, Expanding Capital Access for Early-Stage Startups

Executive Summary

Quants Inc., a developer and provider of AI-driven credit assessment technology, has announced that the cumulative transaction volume for its Receivables Securitization FUNDs (Series 1 through 14) has surpassed 138.2 billion JPY. This milestone covers the period from 2021 through the end of September 2026.

Achievements in the Receivables Securitization Business

This latest figure represents the total cumulative volume handled within the company's receivables securitization business. Quants employs a proprietary "AI Qualitative Credit Assessment Technology" to evaluate and select the accounts receivable targeted for investment. The system leverages a sophisticated model that integrates multifaceted data points, including historical transaction performance, delinquency records, uncollected debt data, and compliance checks (such as anti-social force screenings).

Key Features of the AI Credit Assessment Technology

By training its models on diverse datasets, Quants has significantly enhanced the precision of its credit evaluations. This technological approach allows for the assessment of early-stage ventures and startups—entities that have traditionally been difficult to evaluate using conventional credit scoring methods. Furthermore, the company's AI-powered SaaS, the "Type 21 AI-Automated Credit Screening Circuit," has been recognized for its innovation, having been selected for the Business Reconstruction Subsidy program by the Ministry of Economy, Trade and Industry (METI) and the Small and Medium Enterprise Agency.

Future Outlook

Quants continues to expand its presence in the credit assessment and receivables securitization markets through its B2B "Buy Now, Pay Later" (BNPL) service, "Fimple Settlement," and its accounts receivable guarantee service, "Fimple Guarantee." Looking ahead, the company remains committed to improving the financing environment for a broad range of businesses, including the startup ecosystem, by delivering cutting-edge Fintech services centered on AI technology.