Most common pre-factoring concern was 'fees', survey by Site Creation Co., Ltd. finds

Factoring Guide (https://sitecreation.co.jp/factoring/), operated by Site Creation Co., Ltd., has released the results of a survey regarding pre-usage concerns, screening, and fees, targeting individuals with experience in using factoring services.

Background of the Survey

In recent years, the use of factoring as a funding method for SMEs and sole proprietors has been expanding. However, many users harbor concerns such as, "Are fees too high?", "Will I pass the screening?", and "Is it safe?". Given this background, a survey was conducted among experienced users regarding their concerns before using factoring and their actual usage experiences.

Survey Overview

Survey Body: Site Creation Co., Ltd. Method: Internet survey Period: May 2026 Target: Corporations and sole proprietors with factoring experience Effective responses: 100

Survey Results

'Fees' were the biggest pre-usage concern

When asked, "What were your concerns when using factoring?", 45.2% answered "High fees," the most common response. This was followed by concerns such as "Will I pass the screening?" and "Reliability of the provider," indicating that many users feel anxious about costs and contracts.

57.7% of users reported having experienced 'failure in screening'

When asked, "Have you ever failed factoring screening?", 57.7% of experienced users answered "Yes." While factoring is known as a financing method with relatively flexible screening, it has been found that results can be influenced by factors such as the creditworthiness of the debtor and necessary documentation.

Approximately 34.6% experienced 'same-day deposit'

When asked, "How long did it take to receive payment?", 34.6% of experienced users answered "Same-day." Conversely, a certain number of users reported that it took "2 to 3 days or more," highlighting differences between services.

'5% or more but less than 10%' was the most common fee range

When asked, "What was the fee when you used the service?", "5% or more but less than 10%" was the most common answer. Instances of users reporting "20% or more" were also identified, indicating variability based on service details and contract conditions.

Conclusion

The survey revealed that many factoring users feel anxious about "fees" and "screening." On the other hand, the evaluation of financing speed, such as same-day deposits, is high, and many people indicated they would like to use it again if conditions are met. While factoring is attracting attention as a rapid financing method, differences in fees and contract conditions between services underscore the importance of prior comparison and verification.