Crowd Credit
Crowd Credit is a Tokyo-based cross-border marketplace lending platform, founded in 2013, that connected Japanese retail investors with borrowing businesses via curated fixed-return funds. Its operations have been merged into Bankers (バンカーズ), a regulated Type II Financial Instruments intermediary now serving small-ticket investors across Japan and, increasingly, Europe.
- Company typePrivate
- Founded2013
- HeadquartersTokyo, Japan
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Crowd Credit does
Crowd Credit was a Tokyo-based cross-border marketplace lending platform founded in 2013 that connected Japanese retail investors with international and domestic borrowing businesses through curated, fixed-return investment funds. Its product mechanics used Japanese anonymous partnership (Kumiai, 商法第535条) structures, with minimum investments of 10,000 yen and terms ranging from one month to over one year, while emphasizing professionally screened opportunities and disclosed risk indicators rather than secondary-market trading.
The company has merged/integrated its operations into Bankers (バンカーズ), a lending-based crowdfunding platform with roots dating to 1969 and now operating as a Type II Financial Instruments Business Operator under the Kanto Local Finance Bureau Director (Kinsho) No. 3216. Under the consolidated brand, the platform aggregates funds from multiple partner fund operators — including Takashimaya Funding and a newly added European partnership with Baltic-listed fintech DelfinGroup for euro-denominated circular-economy funds — under a single investor interface. As of March 2026, cumulative platform investment exceeded 140 billion yen across more than 2,900 funds.
Crowd Credit's business model is fee-based, capturing revenue from fund origination, ongoing management, and operator commissions on the anonymous partnership contracts intermediated through the platform. The company has historically been venture-backed, with cumulative disclosed funding of approximately $21.9 million from 2013 through 2021 across rounds led by investors including Femto Partners, ITOCHU Corporation, Global Brain, SBI Investment, Sony Financial Ventures, Monex Ventures, LINE Ventures, YJ Capital, Mitsubishi UFJ Capital, Dai-ichi Life, GMO VenturePartners, and Mitsui Sumitomo Insurance Venture Capital (MSIVC).
Crowd Credit firmographics
Firmographics- Name
- Crowd Credit
- Website
- https://crowdcredit.jp
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Crowd Credit is a Tokyo-based cross-border marketplace lending platform, founded in 2013, that connected Japanese retail investors with borrowing businesses via curated fixed-return funds. Its operations have been merged into Bankers (バンカーズ), a regulated Type II Financial Instruments intermediary now serving small-ticket investors across Japan and, increasingly, Europe.
- Ownership category
- akta.pro rank
Crowd Credit industry classification
Industry- Product category
- Marketplace Lending
- NAICS
- Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- P2P Loan Syndication & Participation Platforms (FSAKAHAL)
- akta.pro secondary industries
- P2P Credit Lines / Revolving Marketplace Lending (FSAKAHAK), Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
Keywords
Where Crowd Credit is headquartered
LocationHeadquarters
- HQ city
- Tokyo
- HQ country
- Japan
- HQ region
- Asia
Markets served
Crowd Credit business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Crowd Credit product offering
Product offeringCore offering
Crowd Credit operates a cross-border marketplace lending platform (now integrated with the Bankers / バンカーズ brand) that connects individual investors with borrowing businesses in Japan and overseas through lending-type crowdfunding funds. Investors can browse and subscribe to funds managed by partner fund operators, while the company provides platform infrastructure, due diligence on fund operators, and account integration services to streamline onboarding.
Product overview
Bankers operates a unified lending-type crowdfunding platform where investors can access curated fund offerings and receive fixed returns. The platform aggregates funds from multiple partner fund operators, including affiliated companies like Takashimaya Funding, and enables investors to participate in lending opportunities starting from 10,000 yen with varying terms. The platform previously offered services under the Crowd Credit brand, with account migration now available through an integration service.
Differentiator
Problem solved
Functional benefit
Products and services
- Bankers Lending-type Crowdfunding Platform
- Fund Listings (投資用ファンド)
- Account Integration Service (アカウント連携サービス)
Companies that use Crowd Credit
Customer profileIdeal customer profiles2 records
Crowd Credit technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Crowd Credit partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- BankerscoreCrowd Credit appears to have merged/integrated with Bankers (バンカーズ). Account holders can integrate their Crowd Credit accounts with Bankers accounts through an account unification process. The Bankers platform, founded in 1969 and operating as a lending-based crowdfunding (social lending) service, has incorporated Crowd Credit's legacy operations.
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
Crowd Credit competitors and assessment
Company assessmentDirect peers
- Prosper Marketplace: US P2P consumer lending platform named in the same P2P market research alongside Crowd Credit. Comparable on core marketplace lending mechanics and investor-borrower intermediation model.
- Maneo Market: Japan's pioneering P2P/social lending marketplace, explicitly named in the same P2P market research as Crowd Credit. Most direct domestic competitor in lending-type crowdfunding for retail investors.
- Funding Circle: UK-headquartered SMB-focused P2P lending marketplace. Comparable on cross-border investor funding of credit assets and marketplace lending infrastructure, with an international footprint.
- LendingClub: US-headquartered P2P consumer lending marketplace, explicitly named alongside Crowd Credit in global P2P lending market research. Directly comparable as a borrower-lender matching platform, though operating at vastly larger scale.
- Zopa: UK P2P consumer lending platform that pivoted into a full digital bank. Directly comparable as a marketplace lending peer with a similar evolution path from pure P2P to broader financial services.
Broad incumbents
- SoFi Technologies: US digital financial services platform named alongside Crowd Credit in P2P market research. Operates a broader lending, banking, and wealth management stack but shares the online marketplace lending heritage.
- SBI Holdings: Japanese financial conglomerate with significant P2P/crowdfunding lending operations and an investor in Crowd Credit's 2018 round. Comparable as a domestic Japanese competitor and shareholder with overlap in social lending.
- Upstart Holdings: AI-driven consumer lending platform listed as a peer in the same global P2P market research. Broader incumbent with credit-decisioning technology stack and bank partnerships that overlap with marketplace lending.
Emerging players
- DelfinGroup: Baltic-listed fintech and consumer lending company that partnered with Bankers/Crowd Credit to launch a €5M circular-economy fund. Comparable as an emerging-market lending platform sourcing cross-border capital.
- CrowdShakti / Lendahand: European cross-border P2P lending platform focused on emerging-market SME credit. Comparable to Crowd Credit's cross-border marketplace lending model with a similar investor profile targeting EM debt exposure.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
Crowd Credit social profiles
Digital presenceCrowd Credit compliance and trust
Trust signalCompliance1 record
Crowd Credit financial estimates
Financial estimateRevenue estimate
Valuation estimate
Crowd Credit leadership team
Management profileNumber of profiles
Profiles2 records
Crowd Credit funding detail
Funding detailFunding overview
Funding rounds10 records
Investors18 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Crowd Credit M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Crowd Credit
What does Crowd Credit do?
Crowd Credit operates a cross-border marketplace lending platform (now integrated with the Bankers / バンカーズ brand) that connects individual investors with borrowing businesses in Japan and overseas through lending-type crowdfunding funds. Investors can browse and subscribe to funds managed by partner fund operators, while the company provides platform infrastructure, due diligence on fund operators, and account integration services to streamline onboarding.
Is Crowd Credit a public or private company?
Crowd Credit is a private company. It is classified as venture growth investor backed and is currently operating.
When was Crowd Credit founded?
Crowd Credit was founded in 2013. It employs 51 to 100 people.
Where is Crowd Credit based?
Crowd Credit is headquartered in Tokyo, Japan, in the Asia region.
Who are Crowd Credit's main competitors?
Direct peers on record are Prosper Marketplace, Maneo Market, Funding Circle, LendingClub and Zopa. Broad incumbents are SoFi Technologies, SBI Holdings and Upstart Holdings. Emerging players are DelfinGroup and CrowdShakti / Lendahand.
Does Crowd Credit have an API?
No public API is recorded for Crowd Credit.
What industry is Crowd Credit in?
Crowd Credit's product category is Marketplace Lending. Its primary akta.pro industry code is FSAKAHAL, P2P Loan Syndication & Participation Platforms, with a secondary code of FSAKAHAK, P2P Credit Lines / Revolving Marketplace Lending. Its NAICS code is 5223 and its SIC code is 6163.