Malaysia's Bee Informatica Reaches Monthly Profitability, Outstanding Loans Exceed 300 Million Yen

Bee Informatica Inc. (Headquarters: Shibuya, Tokyo; CEO: Fumiko Inada), which provides digital microfinance for SMEs in Malaysia, is pleased to announce that it achieved monthly profitability in May 2026, with outstanding loans exceeding 300 million yen (totaling 400 SMEs served).

Additionally, the company has raised 146 million yen through debt financing. This round was driven primarily by additional commitments from investors who have continuously supported the company. Hokkoku Bank, a regional bank, has provided further financing, while existing shareholder Chishima Real Estate has supported the company with debt after its previous equity investment. Furthermore, new family offices and individual investors have also joined. The broadening investor base reflects an evaluation of the company's profitability and recovery track record.

Business Progress

About one year since the equity funding in July 2025 (which included Delight Ventures), the company has implemented credit models and digitized operations to advance into a profitable phase.

• Achieved monthly profitability in May 2026. • Sales in March 2026 grew 3.45x year-on-year. • Outstanding loans surpassed 300 million yen (400 SMEs served). • Promoted digitization and AI application in lending operations, building a system capable of handling high operational volume with limited personnel by utilizing external AI SaaS.

Credit Model Performance — Evidence of Debt Financing Capacity

Growth in the lending business is supported by sound credit assessment and stable funding capacity. The company uses a proprietary model specialized for SMEs unable to access bank loans, balancing a low non-performing loan (NPL) ratio with high yields.

Item: Performance/Characteristics NPL Ratio: Low-risk operation compared to industry standards Yield (Interest/Fees): 24% - High returns for investors/lenders Proprietary Credit Scoring: Model specialized for local Malaysian SMEs utilizing 400 data points User Value: Rapid screening decisions, simple and easy application process

Regarding the Debt Financing

In this round, the company raised 146 million yen via debt finance. Investors total 17, including financial institutions, corporate entities, and individual investors. The company's term loan strengths include providing financial access to underserved SMEs, rapid screening, and AI-driven operations.

Use of Funds

Funds will be used for the following:

Expansion of term loan business: Increase lending capital, enhance CRM and collection systems, strengthen bases in major Malaysian cities, improve compliance, and collaborate with banks.

New service development: Preparing for BNPL and factoring businesses (acquiring licenses, building operation/systems), expanding partnerships.

Launch of Islamic financial services: Introducing Sharia-compliant system workflows.

Advanced AI screening: Expanding scoring models and developing automated qualitative AI screening (automated interviews).

Human Resources: Recruiting for operations, technology, and new business divisions.

CEO Comment: Fumiko Inada, CEO of Bee Informatica Inc.

I am very pleased to have reached this 146 million yen debt funding milestone. Support from new family offices and individual investors, in addition to existing debt investors, has been a significant tailwind. Over the past year since our equity funding, we have achieved a loan balance of 300 million yen. We have also worked on digitizing and applying AI to all stages of our lending operations, allowing us to manage our volume with a limited team.