MerryGate

What MerryGate does

MerryGate Holdings Co., Ltd. is a Tokyo- and Hiroshima-based private holding company that provides credit guarantee services and FinTech/DX solutions to regional financial institutions across Japan. Established in November 2018 as a spin-out from Chugoku Sogo Credit (中国総合信用), the group operates through three wholly-owned subsidiaries: MG Guarantee (loan guarantee services for secured and unsecured products), MG-CAP (FinTech/DX consulting established April 2023), and NTS-MG (debt collection). MG Guarantee underwrites credit risk on mortgage, unsecured personal, and SME loan products originated by partner financial institutions, earning transaction-based guarantee fees.

The company's core technology is the Loan Cloud Platform (融資クラウドプラットフォーム), co-developed with Seiko Solutions, which enables paperless, seal-less electronic loan application, credit assessment, and guarantee contract processing for financial institutions. The platform has been extended with a Housing Developer Web Reception Service that creates three-way digital workflows between banks, housing developers, and applicants. On top of this, MerryGate offers AI Credit Review jointly developed with Mitsubishi Research Institute, and BA Finance — an AI-powered SME credit assessment service that integrates Kokopelli's FAI AI lending decision module with MG's guarantee expertise.

MerryGate generates revenue primarily through guarantee fees charged to financial institutions on a per-loan, per-product basis (pricing is negotiated bilaterally, not publicly disclosed). As of May 2026 the group has 85 employees and over 60 financial institution partners spanning regional banks, shinkin banks, credit unions, and credit associations in every region of Japan. The go-to-market is B2B direct enterprise sales through a dedicated Sales General Affairs Division, with marketing concentrated in industry-specific press (Nikkin Newspaper) and partner co-hosted webinars.

Name

MerryGate

Legal name

メリーゲートホールディングス株式会社

Website

https://merrygate.co.jp

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

51–100 employees

Short description

MerryGate is a Tokyo-based holding company that provides credit guarantee services and AI-enabled lending DX platforms to over 60 Japanese regional financial institutions, earning transaction-based guarantee fees on mortgage, unsecured, and SME loans.

Ownership category

akta.pro rank

Product category

Credit Guarantee Services

NAICS

Other Activities Related to Credit Intermediation (522390), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Mortgage Bankers & Loan Correspondents (6162), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Wholesale Lock Desk, Pricing & TPO Support Services (FSALACAJ)

akta.pro secondary industries

Loan Origination Systems (LOS) (FSALALAA), Microenterprise Group Lending (Joint Liability) (FSAKAGAH)

Keywords

• Credit guarantee services
• Loan guarantee services
• Financial institution partnerships
• Digital lending platform
• SME credit assessment

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales

Revenue model

1. Guarantee Fee Income: MG Guarantee earns guarantee fees from financial institutions for providing credit guarantees on loan products. Fees are charged at loan execution and are based on the loan amount and type. This is the primary revenue stream for the group, supporting both secured (mortgage) and unsecured loan guarantee products.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

MerryGate provides credit guarantee services to regional financial institutions in Japan, covering secured mortgage loans, unsecured personal loans, and small business loans. The group operates a loan cloud platform co-developed with Seiko Solutions for paperless, electronic loan processing, and offers AI-powered credit assessment services developed in partnership with Mitsubishi Research Institute and Kokopelli. The group comprises MG Guarantee (guarantee services), MG-CAP (FinTech/DX solutions), and NTS-MG (debt collection).

Differentiator

Problem solved

Functional benefit

Brands

• MG保証 (MG Guarantee): Loan guarantee services for secured and unsecured loan products offered through partner financial institutions
• MG-CAP
• ちゅうそうしん (Chusoshin)

Products and services

• MG Secured Mortgage Loan Guarantee (MG保証住宅ローン) Credit guarantee for secured mortgage loan products offered to partner financial institutions, covering up to 100% of credit risk. Used by borrowers acquiring housing through regional banks, shinkin banks, and credit unions.
• MG Unsecured Loan Guarantee (Mycar Loan, Education Loan, Free Loan) Credit guarantee for unsecured personal loan products distributed through partner financial institutions, including auto loans, education loans, and multi-purpose free loans.
• BA Finance (BAファイナンス) AI-powered credit assessment service for SME loans that combines Kokopelli's FAI AI lending decision module with MG Guarantee's guarantee expertise, enabling faster credit decisions for small and medium enterprise financing.
• Loan Cloud Platform (融資クラウドプラットフォーム) Digital lending platform co-developed with Seiko Solutions that enables financial institutions to process mortgage and business loan applications, credit contracts, and guarantee contracts entirely electronically with paperless and seal-less workflows.
• Housing Developer Web Reception Service (住宅販売業者向けWeb受付サービス) A module on the loan cloud platform that enables housing developers to receive and process mortgage loan applications online, facilitating digital collaboration between financial institutions, housing developers, and loan applicants.
• Personal Web-Complete Loan (個人向けWEB完結ローン) End-to-end online unsecured personal loan service for Tottori Bank, enabling fully digital application-to-completion loan processing with no branch visit required.
• AI Credit Review (AI審査) AI-powered credit assessment service that uses big data and AI technologies to enhance credit decision speed and accuracy for mortgage and unsecured loan underwriting, co-developed with Mitsubishi Research Institute.
• Guarantee Consulting (保証コンサルティング) Advisory and consulting services for financial institutions on guarantee business operations and strategy.

Quantifiable outcome

• Loan cloud platform reduces paperwork, seal errors, and mailing cycles for financial institutions
• +1 more outcomes

Named customers12 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability4 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered core, minor, key and supporting.

• 株式会社三菱総合研究所 (Mitsubishi Research Institute, MRI)coreStrategic or Co-development Partner · 22 May 2023MerryGate Holdings Group and MRI signed a basic agreement to explore collaboration toward 'Guarantech' — combining MG's guarantee functions with MRI's financial technology capabilities. The partnership aims to develop AI-powered credit review services for financial institutions, leveraging MRI's big data and AI expertise alongside MG's guarantee business knowledge. A joint proof-of-concept for AI credit review was underway as of May 2023.
• ACT SAIKYO (認定特定非公益活動法人 ACT SAIKYO)minorOthers · 5 July 2022MerryGate Holdings and MG Guarantee entered into a sponsor agreement with ACT SAIKYO, a women's badminton team operated by 11 female employees of Shoko Bank. MerryGate obtained naming rights to ACT SAIKYO's dedicated badminton arena, renamed 'MerryGate Arena.' This is part of MerryGate's SDG-aligned sports support initiatives.
• 住信SBIネット銀行株式会社 (SMBC Trust Bank Net Bank / Net Bank)keyStrategic or Co-development Partner · 17 November 2021MerryGate Holdings and MG Guarantee entered into a collaboration with Sumitomo Mitsui Trust Bank Net Bank to develop and provide new mortgage loan products. MG Guarantee will provide guarantee services for new mortgage products, while Sumitomo Mitsui Trust Bank will leverage its AI review service through Dayta Consulting (established with Hitachi) for credit management enhancement.
• アド・セイル株式会社 (Ad-Sail Co., Ltd.)supportingGTM or Marketing Partner · 29 June 2021Ad-Sail, a digital marketing company based in Takamatsu, Kagawa Prefecture, served as project manager and website producer for the 'Personal Web-Complete Loan' service built for Tottori Bank using the loan cloud platform. Ad-Sail handles project coordination, special site production, and Synergy! CRM sales.
• シナジー・マーケティング株式会社 (Synergy Marketing Co., Ltd.)supportingTechnology or Integration · 29 June 2021Synergy Marketing provides its cloud-based CRM platform 'Synergy!' to support the loan cloud platform's customer communication and digital marketing capabilities. Used in Tottori Bank's 'Personal Web-Complete Loan' service to manage application form development and customer communications.
• NTSホールディングス株式会社 (NTS Holdings Co., Ltd.)keyGTM or Marketing Partner · 1 October 2020MerryGate Holdings and MG Guarantee signed a memorandum of understanding with NTS Holdings for a referral partnership on business guarantee services. NTS Holdings and its group companies introduce MerryGate's business guarantee services to their existing client base. NTS Holdings specializes in special monetary claims management and collection. NTS Holdings is also a shareholder in MerryGate Holdings.
• 株式会社ココペリ (Cocopei Co., Ltd.)keyStrategic or Co-development Partner · 23 June 2020MerryGate Holdings signed a strategic partnership agreement with Kokopei to jointly develop financial services combining Kokopei's AI lending decision module (FAI) and SME support platform (Big Advance) with MG Guarantee's guarantee expertise. The result was the 'BA Finance' (BAファイナンス) product launched in September 2021, enabling faster AI-assisted SME loan approvals with MG Guarantee coverage.
• 中国総合信用株式会社 (China Sogo Shinyo Co., Ltd. / Chusoshin)coreOthers · 18 January 2019China Sogo Shinyo is the parent company of MerryGate Holdings. It has over 50 years of guarantee business experience and is the source of MerryGate's core guarantee business knowledge. The group includes Chusoshin Co., Ltd. (renamed from Chusoshin Saiken Kaishu), MG Guarantee, and NTS-MG Saiken Kaishu. Chusoshin also owns the MerryGate Higashi-Shirashima real estate property.
• セイuco Solutions株式会社 (Seiko Solutions Corporation)coreTechnology or Integration · 17 January 2019MerryGate Holdings and Seiko Solutions co-developed the 'Loan Cloud Platform' (融資クラウドプラットフォーム) — an electronic lending platform enabling financial institutions to process loan applications, credit contracts, and guarantee contracts digitally. Seiko Solutions provides its existing 'Kantan Electronic Contract Service' as the foundation. The platform has been adopted by multiple financial institution customers including Tomato Bank, Ehime Bank, and others.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• ARUHI Corporation: Japan's largest Flat35 mortgage originator and servicer, operating a B2B2C model that distributes mortgage products through partner financial institutions. Directly comparable to MerryGate's mortgage guarantee and Loan Cloud Platform business, and notably already a MerryGate partner (ARUHI mortgage product with MG guarantee).
• Japan Mortgage Service Co., Ltd. (MSJ): TSE Standard Market-listed mortgage originator (ticker 7192) with the MSJ Mortgage 'Melody' product. Offers credit guarantee and mortgage origination services to financial institutions in a business model highly similar to MG Guarantee, and is also a current MerryGate partner.
• SBI Sumishin Net Bank: Digital-first Japanese bank offering competitive mortgage products with strong fintech integration. Comparable to MerryGate on the digital lending infrastructure side; SMBC Trust Bank's Net Bank (formerly Sumitomo Mitsui Trust Net Bank) is already a strategic MerryGate partner for new mortgage product co-development.
• eGuarantee, Inc. Tokyo Stock Exchange-listed B2B credit guarantee company providing trade credit guarantees to suppliers. Closest pure-play credit guarantee peer in Japan, though focused on B2B trade credit rather than consumer/SME loan guarantee like MerryGate's MG Guarantee.
• Aiful Corporation: Major Japanese consumer finance and loan guarantee provider offering unsecured personal loans, credit guarantees, and lending services. Comparable to MerryGate's unsecured personal loan guarantee products (e.g., マイカーローン, 教育ローン, フリーローン).
• Acom Co., Ltd. One of Japan's largest consumer finance companies offering personal loans, credit guarantees, and unsecured lending products. Comparable to MerryGate's guarantee and unsecured loan business, with significantly larger scale.
• Orico Corporation: Major Japanese consumer credit and loan guarantee company offering personal loans, credit cards, and credit guarantee services. Comparable to MerryGate's guarantee business model with broader consumer finance exposure.
• SBI Mortgage Co., Ltd. Digital-focused mortgage originator under SBI Holdings offering online mortgage products. Comparable to MerryGate's Loan Cloud Platform and digital mortgage infrastructure, though operates as a direct lender rather than a guarantee company.

Broad incumbents

• Mitsubishi UFJ Financial Group: Japan's largest banking group with mortgage, SME lending, and digital financial services. Represents the type of broader incumbent financial institution that competes for FI customer mindshare and could develop in-house alternatives to MerryGate's offering.

Emerging players

• freee K.K. Tokyo Stock Exchange-listed Japanese SaaS company providing cloud accounting, HR, and fintech infrastructure for SMEs and financial institutions. Comparable to MG-CAP's DX consulting and SaaS-style financial infrastructure offering for FIs and SMEs.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

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

M&A

Investments2 records

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

Frequently asked questions about MerryGate