CrowdLoan
CrowdLoan (クラウドローン株式会社) is a Tokyo-based fintech that operates Japan's first bank proposal-type loan matching platform, connecting individual borrowers with 40+ partner banks through a patented single-application pre-qualification system, supported by 1,800+ partner businesses.
- Company typePrivate
- Founded2018
- HeadquartersTokyo, Japan
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What CrowdLoan does
CrowdLoan Inc. (クラウドローン株式会社) is a Tokyo-based fintech founded in 2018 (formerly UPWARDS) that operates Japan's first bank proposal-type loan matching platform, connecting individual borrowers with 40+ partner banks and shinkin banks through a single application process. As of May 2025, the platform had 200,000+ registered users, 1,800+ partner businesses, and cumulative loan applications totaling ¥181.4 billion. The company addresses information asymmetry in Japanese consumer lending by showing borrowers their actual pre-approved loan terms and rates from multiple banks before commitment, with interest rates of 1.2-9.8% across auto, education, renovation, and vacant house loan categories.
CrowdLoan firmographics
Firmographics- Name
- CrowdLoan
- Legal name
- クラウドローン株式会社
- Website
- https://corp.crowdloan.jp
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- CrowdLoan (クラウドローン株式会社) is a Tokyo-based fintech that operates Japan's first bank proposal-type loan matching platform, connecting individual borrowers with 40+ partner banks through a patented single-application pre-qualification system, supported by 1,800+ partner businesses.
- Ownership category
- akta.pro rank
CrowdLoan industry classification
Industry- Product category
- Online Loan Marketplace
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)
- akta.pro secondary industries
- P2P Small Business / SME Marketplace Lending (FSAKAHAC), P2P Loan Syndication & Participation Platforms (FSAKAHAL)
Keywords
Where CrowdLoan is headquartered
LocationHeadquarters
- HQ city
- Tokyo
- HQ country
- Japan
- HQ region
- Asia
Offices1 record
Markets served
CrowdLoan business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Loan Origination Commission (成功報酬型手数料): CrowdLoan charges a success fee only when a loan is successfully originated and disbursed. There are no upfront costs, monthly fees, or payment processing fees for partner businesses. This performance-based model eliminates risk for partners and aligns incentives.
- Interest Rate Spread (金利差収益): Platform earns revenue from the differential between the loan interest rates offered to consumers versus rates charged by partner financial institutions, particularly for loans through the Orico guarantee pathway.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Partner Business Plan - Free Integration |
| Usage-based | Monthly | Consumer Loan Products - Interest Rate Range |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels8 records
CrowdLoan product offering
Product offeringCore offering
CrowdLoan operates Japan's first and only bank proposal-type loan matching platform that connects individual borrowers with 40+ financial institutions through a single application. Users submit one application and receive actual loan proposals (interest rate and amount) directly from multiple partner banks, enabling comparison and selection of optimal loan terms. The company also operates Tasukari, a business financing matching service for SMEs and sole proprietors, particularly in the construction industry.
Product overview
CrowdLoan operates a dual-platform portfolio: (1) クラウドローン (CrowdLoan) - a consumer-facing bank loan matching platform that connects borrowers with 40+ partner financial institutions through a patented pre-screening scheme (Patent #7598654), serving 200,000+ registered users with products including car loans, education loans, and vacant house loans; and (2) タスカリ (Tasukari) - a business financing matching service launched in 2026 targeting SMEs and sole proprietors, particularly in the construction industry. The platforms are supported by a B2B Partner Network of 1,800+ companies across automotive, education, real estate, healthcare, and lifestyle sectors. The company also operates Fintech AI Nexus Lab for industry research and thought leadership.
Differentiator
Problem solved
Functional benefit
Brands
- タスカリ: 中小企業・個人事業主向けの事業性融資マッチングサービス。建築業を優先ターゲットとして位置づけ、複数の金融機関・保証会社に一括で打診できる仕組みを提供。
- Fintech AI Nexus Lab
Products and services
- CrowdLoan (クラウドローン) Japan's first and only bank proposal-type loan matching platform that allows individual borrowers to receive actual loan proposals (interest rate and amount) from multiple partner financial institutions through a single application. Serves Japanese consumers seeking personal loans for auto purchases, education, home renovation, and other major life events.
- Tasukari (タスカリ) Business financing matching service for small/medium enterprises and sole proprietors, with construction industry as the priority target. Enables businesses facing cash flow timing mismatches to match with multiple financial institutions and guarantors through a single application, addressing issues like 60-120 day payment cycles that make traditional bank financing difficult.
- Partner Network (パートナーネットワーク) B2B partnership program connecting CrowdLoan with 1,800+ partner companies across diverse industries (automotive, education, real estate, healthcare, lifestyle). Partners integrate loan financing options into their sales processes, receiving referral fees on successful loan completions with zero setup costs and success-fee only revenue model.
Quantifiable outcome
- Registered users exceeded 200,000 as of May 2025
- +3 more outcomes
Companies that use CrowdLoan
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles4 records
CrowdLoan technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature3 records
CrowdLoan partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- 株式会社セゾンファンデックス (Saison Fundex)coreBusiness lending partnership through 'Tasukari' platform. Saison Fundex provides real estate-backed business loans up to 500 million yen with flexible criteria including approval for companies in red ink or under restructuring. Targeted at construction, real estate, logistics, manufacturing, and service industries.
- 株式会社YOLOJAPANminorProvides loan matching services to foreign residents in Japan through YOLOWORK platform. Offers access to Orico-backed bank loans for international residents who may face additional barriers to traditional banking.
- アンカー・ジャパン株式会社 (Anker Japan)minorPartners with Anker's Japanese subsidiary to provide financing options for Anker Solix home battery systems priced at 1-3 million yen. Enables customers to finance expensive home energy products.
- アットホーム株式会社 (AtHome)coreStrategic partnership for vacant house loan matching. AtHome's vacant house bank users gain access to unsecured loans for purchasing and renovating properties that don't qualify for standard bank mortgages. Enables users to receive multiple bank loan proposals without visiting bank branches.
- 産経ヒューマンラーニング株式会社 (Sankei Human Learning)minorProvides education loan financing for English conversation and language learning services through the 'Sankei Online English Conversation Plus' platform.
- 株式会社AGE technologiesminorPartners for inheritance-related property financing. Provides loan options for estate settlement costs, property transfer fees, inheritance organization expenses, and demolition costs through the 'sozo-ku.com' service.
- グロービス経営大学院 (Globis Business School)minorProvides bank education loan matching for MBA tuition, enrollment fees, and other educational expenses at Globis Business School.
- 37 Partner Banks (Regional Banks and Megabanks)coreMajor bank partners include: Mizuho Bank, Sumitomo Mitsui Banking Corporation, Aichi Bank, Chiba Bank, Joyo Bank, Hokkaido Bank, Fukuoka Bank, Suruga Bank, Kyoto Bank, Chugoku Bank, Tokyo Star Bank, Kiraboshi Bank, and 27 other regional and shinkin banks. Banks provide loan products and pay referral fees on successful originations.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
CrowdLoan competitors and assessment
Company assessmentDirect peers
- LendingClub: US-based pioneer in marketplace lending connecting individual borrowers with multiple investors/lenders through a single application. Closest global comp to CrowdLoan's bank-proposal loan matching model, sharing transaction-fee revenue and network-effect marketplace mechanics.
- Zopa: UK-based peer-to-peer and marketplace lender offering consumer loans sourced through a single application and matched to multiple funding sources. Directly comparable business model to CrowdLoan, though operates in the UK regulatory environment with different funding structures.
- Credible: US loan aggregator/marketplace that lets consumers compare personal, student, and mortgage loan offers from multiple lenders with a single application. Comparable marketplace structure, lender-aggregation focus, and traffic-acquisition via content partnerships.
Broad incumbents
- SoFi: US-based full-service financial services platform that originated as a student loan marketplace/lender and has expanded into a chartered bank offering deposits, lending, wealth, and credit cards. Overlaps with CrowdLoan's marketplace model but competes in a different geography and at much larger scale.
- Money Forward: Japan-listed (TSE) financial platform offering personal finance, SME accounting, and lending services to individuals and businesses. Operates Japanese lending products (Money Forward Lending) directly competing with CrowdLoan's marketplace, with broader scope in addition to lending.
- freee K.K. Japan-based cloud accounting and financial services platform for SMEs. Overlaps with CrowdLoan's Tasukari SME lending focus and serves a similar small business segment, though freee's primary product is SaaS accounting rather than loan matching.
- SBI Holdings: Major Japanese financial conglomerate operating banks (including SBI Sumishin Net Bank), securities, insurance, and online lending platforms. Relevant as both a competitor and a potential strategic acquirer given CrowdLoan's bank partner relationships and SME lending ambitions.
- Monex Group: Japan-based online brokerage and financial services group. Operates consumer-facing financial products and lending adjacent to CrowdLoan's domain. Considered a broader incumbent with overlap in digitally intermediated consumer finance.
Emerging players
- Lendbuzz: US-based fintech specializing in auto loan financing for underserved borrowers (including non-US credit history borrowers), explicitly profiled by CrowdLoan's Fintech AI Nexus Lab. Comparable niche focus on auto loan matching with AI-driven credit assessment for thin-file borrowers.
Others
- Orico: Major Japanese consumer credit/guarantee company that is one of CrowdLoan's guarantee pathway partners (per Orico-backed bank loan product referenced in multiple partnership announcements). Functions as a credit infrastructure partner rather than a direct competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
CrowdLoan social profiles
Digital presenceCrowdLoan financial estimates
Financial estimateRevenue estimate
Valuation estimate
CrowdLoan leadership team
Management profileNumber of profiles
Profiles3 records
CrowdLoan funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CrowdLoan 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 CrowdLoan
What does CrowdLoan do?
CrowdLoan operates Japan's first and only bank proposal-type loan matching platform that connects individual borrowers with 40+ financial institutions through a single application. Users submit one application and receive actual loan proposals (interest rate and amount) directly from multiple partner banks, enabling comparison and selection of optimal loan terms. The company also operates Tasukari, a business financing matching service for SMEs and sole proprietors, particularly in the construction industry.
Is CrowdLoan a public or private company?
CrowdLoan is a private company. It is classified as venture growth investor backed and is currently operating.
When was CrowdLoan founded?
CrowdLoan was founded in 2018. It employs 1 to 10 people.
Where is CrowdLoan based?
CrowdLoan is headquartered in Tokyo, Japan, in the Asia region.
How does CrowdLoan make money?
Two revenue lines are on record. Loan Origination Commission (成功報酬型手数料) is the primary driver. The others are interest Rate Spread (金利差収益).
Who are CrowdLoan's main competitors?
Direct peers on record are LendingClub, Zopa and Credible. Broad incumbents are SoFi, Money Forward, freee K.K., SBI Holdings and Monex Group. Lendbuzz is listed as an emerging player. Orico is listed as an others.
Does CrowdLoan have an API?
No public API is recorded for CrowdLoan.
What industry is CrowdLoan in?
CrowdLoan's product category is Online Loan Marketplace. Its primary akta.pro industry code is FSAEAEAI, SBA/USDA Government-Backed Loan Intermediation, with a secondary code of FSAKAHAC, P2P Small Business / SME Marketplace Lending. Its NAICS code is 522 and its SIC code is 6163.