Empowering Startups with AI Credit Scoring: Quants Surpasses ¥4.5 Billion in Cumulative Loan Guarantees

Executive Summary

Quants Inc., a FinTech pioneer specializing in AI-driven credit assessment, has announced that cumulative loan executions backed by its guarantee services reached 4.54 billion JPY as of September 30, 2026. Since the service's inception in March 2023, the company has successfully facilitated 107 loan executions from a pool of 245 applications, marking a significant milestone in its growth trajectory.

Bridging the Funding Gap for Early-Stage Ventures

Quants' loan guarantee service primarily targets early-stage ventures and high-growth startups that traditionally struggle to secure financing due to a lack of historical financial statements or heavy upfront investments. By utilizing AI-based qualitative credit technology to supplement traditional screening methods, Quants is significantly expanding capital access for the startup community. The effectiveness of this model is evidenced by its performance metrics: to date, only one default has been recorded, demonstrating exceptionally high-precision risk management.

The Technology: High-Precision AI Qualitative Assessment

At the core of Quants’ success is its "AI Qualitative Credit Technology," which leverages a massive database of approximately 119,000 accounts receivable guarantees and debt purchase records. Beyond standard financial metrics, the system performs a comprehensive analysis of qualitative characteristics, compliance risks, and broader economic trends to produce a granular 12-tier score. This enables accurate risk assessment for a wide range of entities, from major corporations to individual proprietors. This data-driven approach has allowed Quants to maintain a default rate of just 0.04%—a stark contrast to the industry average of 1.08%.

Future Outlook: Building a Robust Startup Infrastructure

Moving forward, Quants intends to further diversify its FinTech portfolio by supporting credit evaluation, debt protection, and deal facilitation through accounts receivable guarantees for startups interacting with established enterprises. By offering a sophisticated AI-driven screening infrastructure tailored to various business phases, Quants is committed to playing a pivotal role in the ongoing evolution and development of the Japanese startup ecosystem.