Olta
OLTA is a Tokyo-based fintech operating Japan's leading online cloud-factoring platform, enabling SMEs and sole proprietors to convert unpaid invoices into immediate cash at 2–9% commission without borrowing or collateral. The AI-underwritten, fully self-serve service is distributed direct and via 40+ bank OEM partners.
- Company typePrivate
- Founded2017
- HeadquartersTokyo, Japan
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Olta does
OLTA Inc. is a Tokyo-based fintech founded in 2017 that operates Japan's first end-to-end online cloud-factoring platform, enabling small and medium enterprises (SMEs) and individual business proprietors to convert unpaid invoices (accounts receivable) into immediate working capital by selling those receivables at a 2–9% commission — a non-borrowing form of financing that does not require collateral, guarantors, or credit-bureau checks and does not appear on the customer's credit report. The platform is fully self-serve (web-based, no face-to-face interview) and operates nationwide in Japan, with proprietary AI-powered underwriting ('OLTA独自AI審査') that delivers credit decisions within 24 hours of complete document submission and same-day funding on approval.
The core technology is a cloud-based factoring platform with a proprietary AI credit-review engine that evaluates invoice eligibility and detects invoice-debtor risks (including bankruptcy) without traditional credit scoring, supporting a two-party confidential model in which the transaction is not disclosed to the invoice debtor. Revenue is transaction-based: OLTA charges a commission of 2–9% per invoice (all-inclusive, no subscription or minimum), generating per-transaction revenue against cumulative platform lifetime volume of approximately ¥100B (US$670M) of applications. Distribution combines direct self-serve acquisition with three partnership layers — (1) white-label/OEM cloud-factoring with 40+ regional, city, and megabanks including MUFG, SMBC, Mizuho, SBI Shinsei, Yokohama Bank, Nanto Bank, and Gunma Bank; (2) channel/agent partnerships with referrers including accountants, FreeWay Financial, GOAL Fintech, and South Agency; and (3) ecosystem integrations with SMB SaaS vendors (Miroku Information Service for accounting, Jobcan for back-office). The company was founded by Yuki Takushi (formerly Nomura Securities investment banking) and Shuichi Takeda (formerly Sony PlayStation business strategy, now CSO), with CTO Gao Weiwei and CFO Yuta Asano; disclosed institutional investors include BEENEXT, JAFCO, SBI Investment, Japan Post Capital, and the three Japanese megabanks.
Olta firmographics
Firmographics- Name
- Olta
- Legal name
- OLTA株式会社
- Website
- https://olta.co.jp
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- OLTA is a Tokyo-based fintech operating Japan's leading online cloud-factoring platform, enabling SMEs and sole proprietors to convert unpaid invoices into immediate cash at 2–9% commission without borrowing or collateral. The AI-underwritten, fully self-serve service is distributed direct and via 40+ bank OEM partners.
- Ownership category
- akta.pro rank
Olta industry classification
Industry- Product category
- Cloud Invoice Factoring
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Invoice Financing & Factoring (FSAKAGAC)
Keywords
Where Olta is headquartered
LocationHeadquarters
- HQ city
- Tokyo
- HQ country
- Japan
- HQ region
- Asia
Offices1 record
Markets served
Olta business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Cloud Factoring Commission (Invoice Purchase Fee): OLTA purchases invoices (accounts receivable) from businesses at a discount, charging a commission fee of 2–9% of the invoice value. This is a transaction-based, usage-based revenue model where fees are earned per invoice processed. No subscription fee, no monthly charge, no minimum or maximum invoice amount restrictions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Single-tier transaction-based pricing: 2–9% commission per invoice |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Olta product offering
Product offeringCore offering
OLTA provides a fully online cloud-based invoice factoring (売掛金早期資金化) service for Japanese small and medium enterprises and individual proprietors. The platform enables businesses to sell unpaid invoices (accounts receivable) at a 2-9% commission to obtain same-day working capital without taking on debt, providing collateral-free, guarantor-free, and credit-bureau-free access to funds through a proprietary AI credit review engine.
Product overview
OLTA operates a single unified product offering: OLTA Cloud Factoring (クラウドファクタリング), a cloud-based invoice factoring platform. The service enables businesses to sell accounts receivable (unpaid invoices) for immediate cash flow without borrowing. The platform uses proprietary AI credit review technology for automated underwriting, offers same-day funding (24-hour response), and operates through an online-only model requiring no face-to-face interviews or physical documents. OLTA also maintains the INVOY payment settlement brand and OEM partnerships with regional banks (over 40 banking institutions as of 2025). The company positions itself as a fintech alternative to traditional bank financing for working capital needs.
Differentiator
Problem solved
Functional benefit
Brands
- OLTAクラウドファクタリング: Online cloud factoring service that enables businesses to convert accounts receivable into immediate working capital without taking on debt, completing all processes online without face-to-face meetings.
Products and services
- OLTA Cloud Factoring (OLTAクラウドファクタリング) Japan's first fully online invoice factoring service that converts unpaid invoices (accounts receivable) into same-day working capital for Japanese small and medium enterprises and individual business proprietors. Uses proprietary AI-powered credit review, supports both corporations and sole proprietors, has no minimum or maximum invoice amount, and operates as two-party (confidential) factoring so the transaction is not disclosed to the invoice debtor. Commissions are 2-9% of invoice value with same-day (24-hour) decisioning and fund transfer.
Quantifiable outcome
- Processing speed: same-day (最短即日) fund transfer after approval, with initial quote within 24 hours (1 business day) of complete document submission
- +3 more outcomes
Companies that use Olta
Customer profileNamed customers9 records
Segments1 record
Ideal customer profiles2 records
Olta technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability3 records
Feature1 record
Olta partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered minor and core.
- 東栄信用金庫 (Touei Shinkin Bank)minorTouei Shinkin Bank and OLTA began joint provision of cloud factoring services for its SME clients.
- 南都銀行 (Nanto Bank)coreNanto Bank and OLTA began joint provision of cloud factoring services, providing OLTA's SME-focused factoring solution to Nanto Bank's business客户 base in the Kansai region.
- 横浜銀行 (Yokohama Bank)coreYokohama Bank and OLTA began joint provision of cloud factoring services. As one of Japan's major regional banks, this partnership significantly expands OLTA's bank partner network reach.
- 小松川信用金庫 (Koimugawa Shinkin Bank)minorKoimugawa Shinkin Bank featured OLTA's cloud factoring service in its semi-annual disclosure publication (半期ディスクロージャー誌), indicating a co-promotion or introduction arrangement.
- GOAL FintechminorGOAL Fintech partnered with OLTA for joint provision of cloud factoring services, expanding OLTA's distribution reach through GOAL Fintech's channel network.
- サウスエージェンシー (South Agency)minorSouth Agency partnered with OLTA for joint provision of cloud factoring services.
- フリーウェイファイナンシャル (FreeWay Financial)minorFreeWay Financial began joint provision of OLTA's cloud factoring services, distributing OLTA's factoring product to its network of small business clients.
- 群馬銀行 (Gunma Bank)coreFirst OEM partnership in July 2020 — Gunma Bank embedded OLTA's cloud factoring service for co-branded delivery to its SME clients. This was the inaugural bank OEM partnership for OLTA, validating the BaaS model.
- 十六銀行 (Juroku Bank)coreFirst OEM partnership in July 2020 — Juroku Bank embedded OLTA's cloud factoring service for co-branded delivery to its SME clients alongside Gunma Bank.
- SBI新生銀行 (SBI Shinsei Bank)coreSBI Shinsei Bank is listed as a partner company. SBI Group is also a strategic investor in OLTA and offers cloud factoring through its financial ecosystem.
- 青森みちのく銀行 (Aomori Michinoku Bank)minorRegional bank listed as a partner company, indicating an OEM or co-promotion arrangement for cloud factoring services.
- 鳥取銀行 (Tottori Bank)minorRegional bank listed as a partner company, indicating an OEM or co-promotion arrangement for cloud factoring services.
- 筑邦銀行 (Chikuhou Bank)minorRegional bank listed as a partner company, indicating an OEM or co-promotion arrangement for cloud factoring services.
- 静岡銀行 (Shizuoka Bank)minorRegional bank listed as a partner company, indicating an OEM or co-promotion arrangement for cloud factoring services.
- 岡崎信用金庫 (Okazaki Shinkin Bank)minorShinkin bank listed as a partner company, indicating an OEM or co-promotion arrangement for cloud factoring services.
- 名古屋銀行 (Nagoya Bank)minorRegional bank listed as a partner company, indicating an OEM or co-promotion arrangement for cloud factoring services.
- あいち銀行 (Aichi Bank)minorRegional bank listed as a partner company, indicating an OEM or co-promotion arrangement for cloud factoring services.
- Rakuten (Embedded Lending)minorRakuten is mentioned as a major commerce platform offering embedded lending in Japan's alternative lending market. OLTA is listed alongside platforms like Rakuten and PayPay as a key player in Japan's alternative lending landscape, indicating market positioning as a peer-level platform in embedded finance.
Scale indicators4 records
Recent moves9 records
Expansion highlights5 records
Olta competitors and assessment
Company assessmentDirect peers
- Betrading (ビートレーディング): Betrading is a long-standing Japanese factoring company that has added online processing capabilities to its legacy business. Serves the same SME invoice-purchasing market as OLTA but with a more traditional origin, making it a direct peer on product/customer and a hybrid of legacy + online.
- Fundme: Fundme operates as a Japanese online factoring platform serving SMEs and sole proprietors, with the same two-party cloud factoring model as OLTA. Directly comparable on target customer (Japanese SMEs), pricing approach, and online self-serve delivery mechanism.
- Accel Factor (アクセルファクター): Accel Factor is a Japanese online factoring platform focused on speed and SME accessibility, directly competing with OLTA's value proposition of fast, low-fee, online invoice purchasing for Japanese SMEs.
- Quicca: Quicca is a Japanese online factoring provider for SMEs and individual proprietors, offering same-day funding and online application flows. Directly competes with OLTA in the same product category with overlapping customer base and similar commission-based pricing.
- Paying (ペイング): Paying is a Japan-based online factoring service that competes head-to-head with OLTA for SME clients, offering similar fast, online invoice purchasing. Comparable on customer profile, product structure (invoice purchasing), and fee-based revenue model.
Broad incumbents
- Aiful: Aiful is a major Japanese consumer and small-business finance company mentioned alongside OLTA as a key player in Japan's alternative lending market. Operates broadly in lending/factoring with larger legacy infrastructure; overlaps with OLTA on SME working-capital product but serves a much wider portfolio.
- Mizuho Bank (Embedded Lending / BizStation): Mizuho is one of Japan's megabanks and a current OLTA partner/investor. As a broad incumbent, Mizuho could either continue as a distribution partner or build a competing in-house factoring product, making it both a strategic ally and a structural threat to OLTA's OEM model.
Emerging players
- BlueVine: BlueVine is a US-based fintech offering invoice factoring and working-capital lines to small businesses through an online platform. Comparable to OLTA on the AI/online invoice factoring model and SMB customer focus, though operating in the US market.
- Yaydoo: Yaydoo is a Latin American B2B fintech offering invoice financing and working-capital products to SMBs through digital channels. Comparable to OLTA's cloud-first invoice factoring model and SME focus, with similar AI-driven underwriting approach but a different geography.
- Fundbox: Fundbox provides SMB invoice and working-capital financing through an online platform targeting small businesses and accounting partners. Comparable to OLTA's online-first, AI-driven SME invoice financing model, but serving the US SMB market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Olta social profiles
Digital presenceOlta compliance and trust
Trust signalCompliance2 records
Olta financial estimates
Financial estimateRevenue estimate
Valuation estimate
Olta leadership team
Management profileNumber of profiles
Profiles5 records
Olta funding detail
Funding detailFunding overview
Funding rounds4 records
Investors9 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Olta M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Olta
What does Olta do?
OLTA provides a fully online cloud-based invoice factoring (売掛金早期資金化) service for Japanese small and medium enterprises and individual proprietors. The platform enables businesses to sell unpaid invoices (accounts receivable) at a 2-9% commission to obtain same-day working capital without taking on debt, providing collateral-free, guarantor-free, and credit-bureau-free access to funds through a proprietary AI credit review engine.
Is Olta a public or private company?
Olta is a private company. It is classified as venture growth investor backed and is currently operating.
When was Olta founded?
Olta was founded in 2017. It employs 11 to 50 people.
Where is Olta based?
Olta is headquartered in Tokyo, Japan, in the Asia region.
How does Olta make money?
One revenue line is on record: cloud Factoring Commission (Invoice Purchase Fee).
Who are Olta's main competitors?
Direct peers on record are Betrading (ビートレーディング), Fundme, Accel Factor (アクセルファクター), Quicca and Paying (ペイング). Broad incumbents are Aiful and Mizuho Bank (Embedded Lending / BizStation). Emerging players are BlueVine, Yaydoo and Fundbox.
Does Olta have an API?
No public API is recorded for Olta.
What industry is Olta in?
Olta's product category is Cloud Invoice Factoring. Its primary akta.pro industry code is FSAKAGAC, Invoice Financing & Factoring. Its NAICS code is 52222 and its SIC code is 6153.