Comprehensive Survey of Fees from 99 Factoring Companies: About 40% (38 Companies) Do Not Disclose Fees — Median Minimum Fee is 2.0% [2026 Edition]

Survey Overview

Funding media platform "Factoring Comparison Navi" (https://factoring-navi.jp/; operated by TORA Co., Ltd.) conducted a comprehensive survey analyzing fees, funding speed, and eligibility criteria disclosed by 99 domestic B2B factoring service providers in Japan. The survey aims to visualize the industry's transparency level from the perspective of whether small and medium-sized enterprises (SMEs) and sole proprietors can compare costs before signing a contract.

Key Survey Findings

1. Nearly 40% of companies do not disclose their fees

- 38 companies (38.4%) do not publicly disclose even the minimum fee, revealing a structure where users cannot estimate costs prior to application.

- 61 companies (61.6%) disclose their minimum fee, with an average of 2.58% and a median of 2.0%.

- 19 companies advertise a fee of 1.0% or lower.

2. Even fewer companies disclose their "maximum" fees

- Only 37 companies (37.4%) publicly disclose their maximum fee.

- Among disclosing companies, the average maximum fee is 11.5%. Three companies set maximum fees above 20%.

3. Funding speed shows polarization, fastest is "5 minutes from application"

- Among 81 companies disclosing funding speed, 66 offer same-day funding (within 24 hours) at the earliest.

- 19 companies offer funding within one hour, with the fastest being 5 minutes (Free Finance).

- 60 companies support fully online processing, and 63 offer two-party transactions that keep the transaction confidential from clients.

Issues Revealed by the Survey

There is significant variation in fee disclosure standards among companies. The lack of maximum fee disclosure, in particular, makes it difficult for users to compare offers, as confirmed by this survey. Fee-related disputes in factoring services have been repeatedly highlighted by organizations such as the National Consumer Affairs Center, underscoring once again the importance of comparing information before signing a contract.

Editor's Comment (Reviewed by a Certified Small and Medium Enterprise Consultant)

"It's common for users to proceed with contracts based solely on advertised low minimum rates like '1% and up,' without knowing the actual upper limit. Choosing companies that disclose both minimum and maximum fees, and obtaining quotes from multiple providers, are fundamental protective measures for users."

Survey Details

- Conducted by: Factoring Comparison Navi Editorial Department (TORA Co., Ltd.)

- Target: 99 domestic B2B factoring service providers

- Data collected: Minimum and maximum fees, shortest funding time, online completion availability, two-party transaction availability, maximum purchase amount

- Source: Official websites and publicly available information from each company (as of June 2026), compiled by the editorial department

- Full survey details and list of 99 companies: https://factoring-navi.jp/

Use of Data

This survey data may be quoted in articles, programs, and other media, provided the source is credited as "Survey by Factoring Comparison Navi" and the URL https://factoring-navi.jp/ is included. Individual data requests will also be accommodated.

Company Overview

- Company name: TORA Co., Ltd.

- Address: 3-3 Matsugasaki-Kotakeshibucho, Sakyo-ku, Kyoto City, Kyoto Prefecture 606-0946

- Operated media: Factoring Comparison Navi (https://factoring-navi.jp/)

- Business activities: Operation of funding and B2B financial comparison media

- Contact: [email protected]