Yoii
Yoii is a Tokyo-based fintech operating Yoii Fuel, a Revenue-Based Financing platform that provides non-dilutive, collateral-free capital to Japanese startups and SMEs using a proprietary algorithm that predicts future revenue from historical financial data.
- Company typePrivate
- Founded2021
- HeadquartersTokyo, Japan
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Yoii does
Yoii Inc. is a Tokyo-based fintech founded in 2021 that operates Yoii Fuel, a Revenue-Based Financing (RBF) platform serving Japanese startups, D2C brands, e-commerce businesses, and SaaS companies. The platform uses a proprietary future-revenue prediction algorithm to forecast sales from historical business data, enabling financing without equity dilution, collateral, or personal guarantees, with disbursement as fast as two weeks for amounts ranging from hundreds of thousands to hundreds of millions of yen. Eligible applicants must have at least six months of operating history and four months of remaining runway at the time of application, and the service is restricted to corporations.
The technology stack centers on the predictive algorithm and is reinforced by API integrations with the dominant Japanese cloud accounting platforms (freee, Money Forward) and payment systems (Stripe), which automate data ingestion for underwriting. The platform is bundled with a free KPI Dashboard for SaaS metrics (MRR, churn, ARPU), an RBF Simulator for pre-qualification, and a dedicated customer portal (finance.yoii.jp). Distribution is primarily direct-to-business through the website, supplemented by a VC Partner Program with more than 50 participating venture capital firms (including United and One Capital) and reciprocal referral relationships with financial advisors such as SEVENRICH Accounting. In December 2024, Yoii established Japan's first RBF-focused fund ('Yoii RBF Fund No. 1 Investment Limited Partnership') with anchor capital from Mitsubishi UFJ Trust Bank and Norinchukin Bank, transitioning the business from balance-sheet RBF into fund management.
Yoii generates revenue via transaction fees of 3–15% on financed amounts over repayment periods of 1–12 months. The company is venture-backed, having raised approximately ¥1.4 billion (~$9.5M USD) across four rounds from October 2021 to December 2023, with Emellience Partners leading the Series A. Leadership comprises co-founders Masaharu Uno (CEO, ex-Omise, BUIDL, Stake Technologies) and Ryo Omori (CTO, ex-Stake Technologies, Web3 Foundation grantee), with external directors from Inclusion Japan and Emellience Partners/MIRARGO. The company is headquartered in Shibuya, Tokyo, with no disclosed subsidiaries and no parent entity identified.
Yoii firmographics
Firmographics- Name
- Yoii
- Legal name
- 株式会社Yoii
- Website
- https://yoii.jp
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Yoii is a Tokyo-based fintech operating Yoii Fuel, a Revenue-Based Financing platform that provides non-dilutive, collateral-free capital to Japanese startups and SMEs using a proprietary algorithm that predicts future revenue from historical financial data.
- Ownership category
- akta.pro rank
Yoii industry classification
Industry- Product category
- Alternative Lending / Revenue-Based Financing
- NAICS
- Other Financial Vehicles (525990), Other Investment Pools and Funds (5259)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
Keywords
Where Yoii is headquartered
LocationHeadquarters
- HQ city
- Tokyo
- HQ country
- Japan
- HQ region
- Asia
Offices1 record
Markets served
Yoii business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- RBF Transaction Fees: Yoii charges a fee of 3-15% on the financing amount as compensation for providing revenue-based financing. The fee is determined based on various data points analyzed through their proprietary algorithm, including historical sales performance and predicted future revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Fee-based RBF service with variable rates |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Yoii product offering
Product offeringCore offering
Yoii Fuel is a Revenue-Based Financing (RBF) platform that enables startups and SMEs in Japan to raise capital by monetizing their predicted future revenues. Using a proprietary algorithm that analyzes historical business data to forecast future sales, the platform provides non-dilutive financing with fees of 3-15%, repayment periods of 1-12 months, and amounts ranging from hundreds of thousands to hundreds of millions of yen, with funding available in as fast as 2 weeks without requiring collateral, personal guarantees, or equity dilution.
Product overview
Yoii operates a single unified product — Yoii Fuel — as a Revenue-Based Financing (RBF) platform for startups and SMEs. Yoii Fuel consists of a core financing module (Trade) that uses a proprietary predictive algorithm to evaluate future revenues and provide capital. It is bundled with a free KPI Dashboard (for SaaS metric management) and supported by a VC Partner Program that offers preferential rates to VC-backed startups. Additional self-service tools include an RBF Simulator (pre-qualification calculator) and a dedicated customer portal (finance.yoii.jp) for account management and disbursement workflows.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Funding available in as fast as 2 weeks from application
- +3 more outcomes
Companies that use Yoii
Customer profileNamed customers10 records
Segments4 records
Ideal customer profiles2 records
Yoii technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability2 records
Feature3 records
Yoii partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- United (ユナイテッド)coreVC firm with approximately 100 portfolio companies that actively refers startups to Yoii through the VC Partner Program. One of Yoii's most active referral partners.
- SEVENRICH AccountingcoreFinance advisory firm specializing in startup bank borrowing support that refers clients to Yoii when RBF is more suitable than bank loans. Yoii also refers clients to SEVENRICH when traditional bank financing is appropriate.
Scale indicators3 records
Recent moves7 records
Expansion highlights6 records
Yoii competitors and assessment
Company assessmentDirect peers
- Wayflyer: Wayflyer offers revenue-based financing and analytics to e-commerce brands, with a similar fee-on-financed-amount model and predictive underwriting approach. Highly comparable to Yoii's D2C and e-commerce segments.
- Uncapped: Uncapped provides non-dilutive revenue-based financing to online businesses, including SaaS and D2C brands in Europe and the UK. Same core RBF model and target customer profile as Yoii Fuel.
- Pipe: Pipe pioneered recurring-revenue financing for SaaS companies via tranching and resale of future contracts. Despite corporate restructuring, it represents one of the closest product analogues to Yoii's RBF model for SaaS revenue streams.
- Outfund: Outfund provides revenue-based financing to e-commerce and SaaS companies using predictive revenue analytics for instant underwriting decisions — a near-analogous product to Yoii Fuel with similar algorithmic underwriting.
- Capchase: Capchase provides revenue-based financing specifically to B2B SaaS companies by purchasing recurring contracts and extending advances against future ARR. Directly comparable to Yoii's SaaS startup segment.
- Founderpath: Founderpath offers revenue-share financing to SaaS founders using their MRR data for underwriting. Closely mirrors Yoii's SaaS-focused RBF product and KPI-driven underwriting philosophy.
- Lighter Capital: Lighter Capital provides revenue-based financing and venture debt to early-stage SaaS and tech-enabled companies. Directly comparable to Yoii Fuel's longer-tenor RBF product and SaaS target segment.
- Clearco: Clearco is the largest pure-play global revenue-based financing company, originally focused on e-commerce/SaaS founders. It is the most direct international analogue to Yoii Fuel in product mechanics (future-revenue-based advances with no equity dilution).
Emerging players
- Arc: Arc provides financial products including revenue-based financing to venture-backed startups, combining cash management with non-dilutive capital. Adjacent competitor overlapping on Yoii's VC-backed startup segment.
- BigFoot Capital: BigFoot Capital offers revenue-based financing to early-stage startups via a managed fund structure, similar to Yoii's institutional RBF Fund model. Comparable in mechanism though smaller in scale and primarily US-focused.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Yoii social profiles
Digital presenceYoii financial estimates
Financial estimateRevenue estimate
Valuation estimate
Yoii leadership team
Management profileNumber of profiles
Profiles4 records
Yoii funding detail
Funding detailFunding overview
Funding rounds3 records
Investors9 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Yoii M&A and investment
M&A and investmentM&A
Investments6 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Yoii
What does Yoii do?
Yoii Fuel is a Revenue-Based Financing (RBF) platform that enables startups and SMEs in Japan to raise capital by monetizing their predicted future revenues. Using a proprietary algorithm that analyzes historical business data to forecast future sales, the platform provides non-dilutive financing with fees of 3-15%, repayment periods of 1-12 months, and amounts ranging from hundreds of thousands to hundreds of millions of yen, with funding available in as fast as 2 weeks without requiring collateral, personal guarantees, or equity dilution.
Is Yoii a public or private company?
Yoii is a private company. It is classified as venture growth investor backed and is currently operating.
When was Yoii founded?
Yoii was founded in 2021. It employs 11 to 50 people.
Where is Yoii based?
Yoii is headquartered in Tokyo, Japan, in the Asia region.
How does Yoii make money?
One revenue line is on record: RBF Transaction Fees.
Who are Yoii's main competitors?
Direct peers on record are Wayflyer, Uncapped, Pipe, Outfund, Capchase, Founderpath, Lighter Capital and Clearco. Emerging players are Arc and BigFoot Capital.
Does Yoii have an API?
No public API is recorded for Yoii.
What industry is Yoii in?
Yoii's product category is Alternative Lending / Revenue-Based Financing. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing. Its NAICS code is 525990 and its SIC code is 6153.