REASE

Name

REASE

Legal name

REASE Inc. (リース株式会社)

Website

https://rease.co.jp

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Real Estate Credit Technology (PropTech / CreditTech SaaS)

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Sales Financing (52222)

SIC

Loan Brokers (6163)

akta.pro industry

PRIMARYFSAGAJAM

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning)

Financial & Insurance/Financial Technology (Fintech)/B2B Fintech (SME Finance, Invoicing, Expense & Spend Management)

SECONDARYFSAGAJAH

SME Accounting, Bookkeeping & Close Automation

Financial & Insurance/Financial Technology (Fintech)/B2B Fintech (SME Finance, Invoicing, Expense & Spend Management)

Keywords

• Rent guarantee software
• Credit underwriting AI
• Tenant screening platform
• Property fintech SaaS
• Rental collection services

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Yachin Hoshō Cloud SaaS subscription: Recurring subscription revenue from housing guarantee companies (B2B vertical SaaS) for use of the AI-powered screening, contract management, delinquency management and collection workflow tool. Includes add-ons such as electronic contract, multi-language support, and JICC credit-bureau queries.
2. Fidii rent payment service (transaction-based): Transaction/take-rate revenue from the Fidii payment service for real estate companies and individual landlords, handling invoicing, collection and remittance of rent; includes rent advance-payment scheme piloted with Orix Bank.
3. Real estate business (Fidii / leasing operations): Real estate operations conducted under the company's licensed real estate business (宅地建物取引業者免許 東京都 (2) 第103346号), supporting tenant acquisition and rent guarantee flows.
4. Lead-generation / content marketing (whitepapers): Content assets (industry whitepapers, research reports from Yachin Hoshō Lab) used for demand generation, with gated downloads feeding the sales pipeline.

Pricing tiers

Go-to-market motion1 record

Core offering

REASE sells an AI-driven vertical SaaS — Yachin Hoshō Cloud (家賃保証クラウド) — that automates the end-to-end rent-guarantee workflow (online application, AI screening, contract execution, delinquency management, collection) for Japanese housing guarantee companies, built natively on Salesforce with a proprietary 200+ attribute credit underwriting algorithm. Alongside this B2B SaaS, REASE operates the consumer-facing smeta room-search app (which assigns each user a pre-screened rent credit line) and the Fidii fintech credit platform beginning with Fidii Payment, a rent settlement/remittance service for real-estate companies and individual landlords.

Product overview

REASE operates a platform-plus-modules architecture centered on the AI SaaS 家賃保証クラウド (Yachin Hoshō Cloud / Rent Guarantee Cloud), a vertically-focused Salesforce-based SaaS for rent-guarantee companies that covers screening, contracts, delinquency management, and collections end-to-end. The 200+ attribute AI screening engine (smeta入居審査AI) is embedded both in this B2B SaaS and in the consumer app smeta, which combines pre-screening with rent-search to assign each user a personal credit line (上限家賃). The 2025-launched Fidii sub-brand extends the platform into FinTech via Fidii決済, a rent-collection and remittance service with an advance-payment scheme (立替払いスキーム) backed by Orix Bank. Around this core platform, REASE also operates ancillary services including the 家賃滞納リスク予測AI risk-prediction capability, an in-house research unit (家賃保証ラボ) that publishes industry reports and causal-inference analyses, and a licensed real-estate business. JICC credit-bureau integration (launched May 2024) and a multilingual support add-on (with Inbound Tech, since December 2024) connect the platform to third-party data and contact-center services.

Differentiator

Problem solved

Functional benefit

Brands

• Yachin Hoshō Cloud (家賃保証クラウド): AI SaaS system that streamlines rent-guarantee operations for rent-guarantee companies — covering online screening, contract management, delinquency management, and collection. The SaaS edition was formerly branded 'smetaクラウド' before being unified under the 'Yachin Hoshō Cloud' name.
• smeta (スメタ)
• Fidii (フィディー)
• Yachin Hoshō Lab (家賃保証ラボ)

Products and services

• Yachin Hoshō Cloud (家賃保証クラウド / Rent Guarantee Cloud) Vertically focused AI SaaS for Japanese housing guarantee companies (rent-guarantee firms) that digitizes the full guarantee workflow: paperless web application and contract, agency collaboration web service, AI-powered screening (smeta入居審査AI) using a 200+ attribute proprietary credit algorithm, contract management, delinquency management with AI-powered auto-call, electronic contracts, JICC credit-bureau cloud integration, and multi-functional reporting. Built natively on Salesforce (smetacloud.cloudforce.com) and sold as an annual subscription.
• smeta (スメタ) Consumer App Consumer smartphone application for rent-guarantee bundled room search. Users first undergo a pre-screening process (上限家賃) to determine their personal rent credit line / maximum rentable rent, then browse properties they are guaranteed to qualify for. The app integrates 13-language payment guidance, mobile-phone liveness checks, anti-social force checks, bankruptcy checks and multi-factor authentication to streamline the search-and-application workflow for individual renters, including foreign residents, freelancers and elderly tenants.
• Fidii (フィディー) Credit Platform with Fidii Payment (Fidii決済) REASE's new credit-platform brand launched July 2025 to extend the 'maximizing individual credit value' mission beyond rent guarantee. Begins with Fidii Payment (Fidii決済), a rent payment service for real-estate companies and individual landlords that handles billing notification, collection and remittance simply by sharing billing information. Includes an advance-payment scheme (立替払いスキーム) backed by Orix Bank that reduces debit-result turnaround to a minimum of 3 business days and improves delinquency collection rates. Positioned to redefine the new form of 'credit' (信用の新しいモノサシ) as a broader FinTech credit platform.

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability4 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core, mid and minor.

• 大竹文雄氏 / CoBe-Tech株式会社 (Prof. Fumio Otake, CoBe-Tech Inc.)coreStrategic or Co-development Partner · 1 November 2025Advisory contract (signed 2025-11, announced 2025-12-12) with Prof. Fumio Otake (CoBe-Tech CKO and Osaka University professor), a leading behavioral-economics scholar. Joint research agenda covering behavioral-economics integration into Yachin Hoshō Cloud and credit-scoring research.
• ランサーズ株式会社 (Lancers Inc.)midGTM or Marketing Partner · 1 June 2025Co-developed survey 'Freelance Credit Awareness' (2025-06-19); REASE and Lancers jointly surveyed freelancers and clients on the Lancers platform to surface credit-evaluation needs (e.g., 70%+ of freelancers want performance-based credit signals).
• 株式会社インバウンドテック (Inbound Tech)coreStrategic or Co-development Partner · 2 December 2024Business alliance (2024-12-02) to deliver the 'Multilingual Anshin Support' add-on for housing guarantee companies serving foreign-resident tenants. Inbound Tech's 24/7 multilingual contact center handles screening and delinquency-collection calls on behalf of REASE's SaaS customers. Co-marketed with joint PR release.
• 株式会社Lexi (cocosy)midStrategic or Co-development Partner · 20 November 2024Joint publication of the 'Yachin Hoshō Lab Rental Tenant Market Report' (2024-11-20) with Lexi, operator of the cocosy office-rental matching service, to improve data transparency in the rental-tenant market.
• 株式会社日本信用情報機構 (JICC — Japan Credit Information Center)coreTechnology or Integration · 6 May 2024Cloud-based credit-information query and registration integration launched 2024-05-06 — the first cloud-native JICC integration in the Japanese real-estate industry. JICC-member housing guarantee companies can query/register directly from Yachin Hoshō Cloud, reducing deployment cost and friction.
• ハウスコム株式会社 / 株式会社approom / アンビション株式会社 (Housecom, approom, Ambition)coreChannel Partner/ Reseller/ Distributor · 1 January 2024Real estate partners integrated with the smeta application for tenant pre-screening and rent settlement; user input (e.g., name, phone number) is shared with these partners to process applications.
• 一般社団法人Famiee (Famiee Association)minorOthers · 1 January 2019Famiee's same-sex partnership certificate accepted as a tenancy-screening document for smeta Hoshō, supporting inclusive access to housing for non-traditional family structures.

Scale indicators10 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• GA technologies (RENOSY): GA technologies' RENOSY platform combines real-estate transactions, mortgage origination, and credit/rent guarantee services for Japanese consumers. It is a direct peer because, like REASE, it integrates real estate with credit decisioning and rent guarantee workflows, and REASE's COO YoungJun Yoon previously worked at GA technologies.
• ITANDI (イタンジ): ITANDI provides vertical SaaS for Japanese property management companies, including automated screening, electronic contracts, and rent collection workflows. It is a direct peer to REASE's Yachin Hoshō Cloud because it targets the same rent-management and screening automation use cases with a similar B2B SaaS model.
• いえらぶ (ielove): いえらぶ provides cloud-based SaaS for real-estate agencies, including customer management, property listings, and contract automation. It is a direct peer because it operates in the same Japanese real-estate vertical-SaaS layer where REASE competes for the IT and workflow budgets of real-estate operators and housing guarantee partners.

Broad incumbents

• LIFULL: LIFULL operates LIFULL HOME'S, the major Japanese real-estate portal, and has been expanding into adjacent proptech and fintech services. It is a broad incumbent peer to REASE because, like REASE, it sits between consumers, real-estate agents, and landlords, and REASE's CEO Nakamichi previously worked on HOME'S content alliances.
• Money Forward: Money Forward is the leading Japanese financial/fintech SaaS platform spanning accounting, payroll, and personal finance. It is a broad incumbent peer to REASE because, like REASE, it sells B2B SaaS into Japanese SMB and financial-services customers, and Fidii Payment will likely compete in adjacent fintech workflows.
• freee: freee provides cloud accounting and HR/payroll SaaS to Japanese SMBs and is a flagship Japanese SaaS brand. It is a broad incumbent peer to REASE because both target Japanese SMBs with workflow SaaS and compete for the same enterprise sales cycles and IT budgets, even though freee is not in the rent guarantee vertical.

Emerging players

• ZUU Consulting / ZUU financial group: ZUU operates a fintech platform with credit data, lending-matching, and SaaS for financial institutions in Japan. It is an emerging player peer to REASE because both combine data-driven credit decisioning with B2B SaaS distribution to Japanese financial services providers.
• Crowdcredit: Crowdcredit is a Japanese P2P/cross-border lending fintech that applies alternative credit data to assess borrowers. It is an emerging player peer to REASE because both are Japanese fintech startups experimenting with non-traditional credit scoring models in niche lending/credit segments.

Others

• Experian Japan (CIC / Experian KK): Experian Japan (and sister credit bureau CIC) supply credit-bureau data and scoring that REASE's JICC integration complements. It is a thematically related OTHERS peer because it is the incumbent data infrastructure layer that REASE's AI screening sits on top of, but Experian does not directly compete in REASE's rent guarantee SaaS niche.
• LenddoEFL (SME Finance Assessment / Pagaya): LenddoEFL provides alternative credit scoring using non-traditional digital data in emerging markets, with capabilities directly comparable to REASE's 200+ attribute credit algorithm. It is an OTHERS peer because it addresses the same 'credit inclusion' problem REASE targets for foreign residents and freelancers, but in different geographies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/_SMETA_
• Facebookfacebook.com/SMETAKUN

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries3 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about REASE