Nihon Hoshou

What Nihon Hoshou does

Nihon Hoshou Co., Ltd. (株式会社日本保証) is a Japanese financial services company founded in 1970 and headquartered in Shibuya-ku, Tokyo. Since 2010 it has operated as a 100% subsidiary of J Trust Co., Ltd. (Tokyo Stock Exchange Standard Market, securities code 8508). The company operates across three business pillars: a Guarantee Business (信用保証事業), a Personal Finance Business (個人向けファイナンス事業), and a Business Finance Business (事業者向けファイナンス事業). Its core operation is providing credit guarantee services to partner financial institutions — when borrowers default on loans originated by regional banks or shinkin credit unions, Nihon Hoshou assumes the defaulted debt in exchange for guarantee fees.

The company's guarantee product portfolio includes rental housing mortgage guarantees, reverse mortgage guarantees for senior homeowners, real estate-secured business loan guarantees, overseas real estate loan guarantees (primarily covering Hawaii and California), real estate acquisition guarantees for crowdfunding platforms, social lending guarantees for P2P platforms, and advance payment guarantees for prepaid consumer services such as hair removal clinics. Personal and business finance arms provide direct real estate-secured loans, bill discounting, and securities-backed loans. Its underwriting capability is built on credit assessment and collection expertise accumulated through approximately 17 million historical customer transactions, augmented by the 2012 absorption of Takefuji Co., Ltd.'s consumer finance business.

Nihon Hoshou distributes exclusively through B2B partnerships, with a network of 11+ affiliated regional banks and shinkin credit unions, 10+ crowdfunding and P2P lending platforms, and 7+ prepaid service providers. The company holds money lending registration with the Kanto Finance Bureau (No. 01509) and a Tokyo Governor real estate transaction license (No. 99708). By December 2018, its credit guarantee balance had surpassed 2 trillion JPY, following a milestone of 1 trillion JPY in July 2017. With 51-100 employees, it operates lean Tokyo (Ebisu and Kiba) and Osaka branches.

Name

Nihon Hoshou

Legal name

株式会社日本保証

Website

https://nihon-hoshou.co.jp

Company type

Public

Founded year

1970

Operating status

Operating

Headcount range

51–100 employees

Short description

Nihon Hoshou is a Japanese financial services company and J Trust Co., Ltd. subsidiary that provides credit guarantee services to regional banks, shinkin credit unions, crowdfunding platforms, and prepaid service providers, built on credit assessment expertise from approximately 17 million historical personal finance transactions.

Ownership category

akta.pro rank

Product category

Credit Guarantee Services

NAICS

Other Nondepository Credit Intermediation (52229), Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

Mortgage Bankers & Loan Correspondents (6162), Personal Credit Institutions (6141)

akta.pro primary industry

Home Equity Loan/HELOC Underwriting & Credit Policy (FSALAGAC)

akta.pro secondary industries

Home Equity Loan/HELOC Risk Management & Loss Mitigation (Delinquency, Collections, Charge-offs) (FSALAGAG), Home Equity Loan & HELOC Intermediation (FSAEAEAD)

Keywords

• Credit guarantee services
• Real estate secured loans
• Bill discounting services
• Rental mortgage guarantees
• Consumer finance services

Headquarters

HQ city

Akasaka

HQ country

Japan

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Guarantee Business: The core revenue stream. When borrowers default on loans from partner financial institutions, Nihon Hoshou pays the financial institution and assumes the defaulted debt. The company earns guarantee fees from borrowers for this risk coverage.
2. Real Estate Secured Loans: Real estate-backed loans including mortgage loans, bill discounts, and securities-backed loans offered directly to customers.
3. Prepayment Guarantee Services: Guarantee services for prepaid services (e.g., hair removal clinics) where the company guarantees refunds to customers if the service provider fails to deliver.

Go-to-market motion1 record

Distribution channels6 records

Marketing channels1 record

Core offering

Nihon Hoshou provides credit guarantee services for loans originated by partner regional banks, shinkin banks, and crowdfunding platforms across Japan. The guarantee business covers rental housing mortgages, reverse mortgages, real estate-secured business loans, overseas real estate loans (Hawaii/California), crowdfunding acquisition guarantees, and social lending guarantees. The company also directly offers real estate-secured loans, bill discounts, and securities-backed loans through its personal finance and business finance business lines.

Product overview

Nihon Hoshou operates as a total finance company with three main business pillars: Guarantee Business (信用保証事業), Personal Finance Business (個人向けファイナンス事業), and Business Finance Business (事業者向けファイナンス事業). The Guarantee Business is the core operation, providing debt guarantees for loans from partner financial institutions including regional banks and credit unions. The product portfolio includes specialized guarantee services: Overseas Real Estate Loan Guarantees covering Hawaii and California markets; Social Lending Guarantees for crowdfunding platforms; Real Estate Acquisition Guarantees for real estate crowdfunding; Reverse Mortgage Guarantees for senior borrowers; Real Estate Secured Loan Guarantees for businesses; Rental Housing Mortgage Guarantees for investment properties; and Prepaid Payment Guarantees for service contracts. The company leverages over 17 million accumulated customer transactions for credit assessment and collection expertise, serving as a bridge between customers and financial institutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Rental Housing Mortgage Guarantee (賃貸住宅ローン保証) Guarantee service for rental housing loans provided by financial institutions, covering purchase, land acquisition, construction, and refinancing of investment properties such as rental apartments and condominiums.
• Reverse Mortgage Guarantee (リバースモーゲージ保証) Guarantee service for reverse mortgage products (senior-focused real estate-secured loans) allowing homeowners aged 60+ to borrow against their property while continuing to live there, with repayment occurring upon death through property sale.
• Real Estate Secured Loan Guarantee (不動産担保ローン保証) Guarantee service for business-purpose real estate-backed loans offered by financial institutions, covering working capital, equipment funding, refinancing, and other business-related financing needs for SMEs and business owners.
• Overseas Real Estate Loan Guarantee (海外不動産担保ローン保証) Provides guarantee services for overseas real estate-backed loans, primarily covering properties in Hawaii and California (USA), enabling partner financial institutions including SBJ Bank, Saikyo Bank, and Tokyo Star Bank to offer loans for international property purchases.
• Real Estate Acquisition Guarantee (不動産買取保証) Real estate acquisition guarantee for real estate crowdfunding platforms, guaranteeing purchase of target properties at preset prices if they cannot be sold at expected prices, protecting investors from principal loss.
• Social Lending Guarantee (ソーシャルレンディング保証) Debt guarantee service for lending (financing-type) crowdfunding platforms, where Nihon Hoshou guarantees loans made by crowdfunding operators to borrowers, helping reduce investor risk on P2P lending platforms.
• Advance Payment Guarantee (前払金保証) Advance payment guarantee service for hair removal clinics and salons, ensuring customer refunds if services cannot be provided due to business closure or other circumstances.
• Personal Finance Business (個人向けファイナンス事業) Personal finance services including real estate-secured loans, bill discounting, and securities-backed loans for individual customers, based on accumulated credit and collection expertise from approximately 17 million customer transactions.
• Business Finance Business (事業者向けファイナンス事業) Business finance services providing real estate-backed loans and other financing solutions for business owners and companies.

Quantifiable outcome

• Guarantee balance exceeded 1,000 billion JPY in July 2017 (5 years after founding), and 2,000 billion JPY in December 2018 (1.5 years later), demonstrating rapid scaling of the guarantee business.

Named customers27 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

34 partnerships are on record, tiered core and minor.

• Rakuten Bank (楽天銀行株式会社)coreChannel Partner/ Reseller/ Distributor · 1 December 2025Rakuten Bank partnership for guarantee services established in December 2025, marking a significant partnership with one of Japan's major internet banks.
• SBJ Bank (SBJ銀行)coreChannel Partner/ Reseller/ DistributorSBJ Bank is a key partner offering rental housing mortgage guarantee products and overseas real estate (Hawaii) secured loan guarantees. The partnership began in April 2018.
• Ehime Bank (愛媛銀行)coreChannel Partner/ Reseller/ DistributorEhime Bank offers smart card loan guarantee products. The partnership began in December 2012, marking one of the company's earliest banking partnerships.
• Kagawa Bank (香川銀行)coreChannel Partner/ Reseller/ DistributorKagawa Bank provides rental housing mortgage guarantee products for investment property purchases, construction, and refinancing. Partnership began July 2016.
• Kawasaki Shinkin Bank (川崎信用金庫)coreChannel Partner/ Reseller/ DistributorKawasaki Shinkin Bank offers reverse mortgage guarantees (from January 2020) and real estate-backed business loan guarantees (from June 2022).
• Saikyo Bank (西京銀行)coreChannel Partner/ Reseller/ DistributorSaikyo Bank is a long-standing partner offering rental housing mortgage guarantees (since April 2014), reverse mortgage guarantees (since March 2017), and overseas property loan guarantees (since December 2017).
• Sanin Godo Bank (山陰合同銀行)coreChannel Partner/ Reseller/ DistributorSanin Godo Bank partnership for rental housing mortgage guarantees began October 2025, expanding the company's regional bank network.
• Shonan Shinkin Bank (湘南信用金庫)coreChannel Partner/ Reseller/ DistributorShonan Shinkin Bank offers reverse mortgage guarantees (partnership began July 2018) and has a broader business cooperation agreement with the J Trust Group.
• Tokyo Star Bank (東京スター銀行)coreChannel Partner/ Reseller/ DistributorTokyo Star Bank offers overseas real estate (Hawaii) secured loan guarantees (since August 2019) and real estate-backed business loans (since June 2022).
• Towa Bank (東和銀行)coreChannel Partner/ Reseller/ DistributorTowa Bank partnership for rental housing mortgage guarantees began July 2022.
• Tokushima Daisho Bank (徳島大正銀行)minorChannel Partner/ Reseller/ DistributorTokushima Daisho Bank offers real estate-backed business loan guarantees as a partner financial institution.
• Yamanashi Chuo Bank (山梨中央銀行)minorChannel Partner/ Reseller/ DistributorYamanashi Chuo Bank is an affiliated financial institution partner listed on the company website.
• Odakyu Real Estate Co., Ltd. (小田急不動産)coreGTM or Marketing PartnerOdakyu Real Estate is a strategic partner with whom J Trust Group signed a business cooperation agreement in March 2018, including cooperation with Shonan Shinkin Bank.
• Keikyu Group (京急グループ)coreGTM or Marketing PartnerKeikyu Group has a business cooperation agreement with J Trust Group since March 2018, expanding distribution channels.
• LIXIL Home Finance (株式会社LIXILホームファイナンス)minorChannel Partner/ Reseller/ DistributorLIXIL Home Finance partnership for guarantee services began October 2018.
• Globalus Co., Ltd. (株式会社グローベルス)coreChannel Partner/ Reseller/ DistributorGlobalus is a real estate crowdfunding platform partner for purchase guarantee services. Partnership began December 2020.
• e-Double G Co., Ltd. (株式会社イーダブルジー)coreChannel Partner/ Reseller/ Distributore-Double G operates real estate crowdfunding platform 'TOMOTAQU' and offers purchase guarantees for crowdfunded properties since July 2021.
• ONE DROP INVESTMENT Co., Ltd.coreChannel Partner/ Reseller/ DistributorONE DROP INVESTMENT operates crowdfunding platform 'fundrop' and partnered for purchase guarantees since July 2021.
• Pressance Realta Co., Ltd. (株式会社プレサンスリアルタ)coreChannel Partner/ Reseller/ DistributorPressance Realta is a real estate crowdfunding platform partner for purchase guarantees since December 2021.
• Hakata Real Estate Sales Co., Ltd. (博多不動産販売株式会社)minorChannel Partner/ Reseller/ DistributorHakata Real Estate Sales purchase guarantee partnership began January 2023.
• CAMPFIRE Inc. (株式会社CAMPFIRE)minorChannel Partner/ Reseller/ DistributorCAMPFIRE crowdfunding platform partnership began June 2020.
• SAMURAI ASSET FINANCE Co., Ltd.coreChannel Partner/ Reseller/ DistributorSAMURAI ASSET FINANCE is a P2P lending platform offering social lending guarantees. Partnership began May 2019.
• Commosus Bank Co., Ltd. (株式会社コモ萨斯バンク)coreChannel Partner/ Reseller/ DistributorCommosus Bank is a P2P lending platform partner for social lending guarantees.
• COOL Co., Ltd. (株式会社COOL)coreChannel Partner/ Reseller/ DistributorCOOL is a P2P lending platform partner for social lending guarantees since December 2020.
• Zaizen GROUP Co., Ltd. (株式会社財全GROUP)coreChannel Partner/ Reseller/ DistributorZaizen GROUP P2P lending platform partnership for social lending guarantees began December 2020, including business cooperation with Zaizen Solution and Business Assist.
• Mens Clear (メンズクリア)coreChannel Partner/ Reseller/ DistributorMens Clear is a hair removal service provider offering prepayment guarantee services to protect consumers.
• STLASSH (ストラッシュ)coreChannel Partner/ Reseller/ DistributorSTLASSH is a hair removal service provider offering prepayment guarantee services.
• Regina Clinic (レジーナクリニック)coreChannel Partner/ Reseller/ DistributorRegina Clinic is a hair removal service provider offering prepayment guarantee services.
• Regina Clinic Omakase (レジーナクリニックオム)coreChannel Partner/ Reseller/ DistributorRegina Clinic Omakase is a men's hair removal service provider offering prepayment guarantee services.
• Etoile Regina Clinic (エトワールレジーナクリニック)minorChannel Partner/ Reseller/ DistributorEtoile Regina Clinic is a hair removal service provider offering prepayment guarantee services.
• Fureia Clinic (フレイアクリニック)coreChannel Partner/ Reseller/ DistributorFureia Clinic is a women's hair removal service provider offering prepayment guarantee services.
• Fureia Clinic Men's (フレイアクリニックメンズ)coreChannel Partner/ Reseller/ DistributorFureia Clinic Men's is a men's hair removal service provider offering prepayment guarantee services.
• Intellex Co., Ltd. (株式会社インテリックス)minorGTM or Marketing PartnerIntellex is an affiliated company partner listed on the company website.
• LIFEFEILD Group (LIFEFEILDグループ)minorGTM or Marketing PartnerLIFEFEILD Group (operated by Hakata Real Estate) is an affiliated company partner.

Scale indicators3 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Aiful Corporation: Japanese consumer finance company providing unsecured personal loans, business loans, and loan guarantee services through partner banks. Comparable to Nihon Hoshou's personal finance and guarantee operations.
• Orient Corporation (Orico): Major Japanese consumer finance and credit guarantee company offering shopping credit, consumer loans, and bank loan guarantees. Comparable to Nihon Hoshou through its guarantee business for partner financial institutions and accumulated credit assessment expertise.
• JACCS Co., Ltd. Japanese consumer finance and credit services company offering credit guarantees, shopping credit, and personal loans through partner retailers and financial institutions. Highly comparable business model to Nihon Hoshou's guarantee and personal finance operations.
• APLUS Co., Ltd. (AG): Japanese consumer credit and guarantee company operating shopping credit, personal loans, and bank loan guarantees. Direct peer in the credit guarantee and consumer finance space.
• Pocket Card Co., Ltd. Japanese credit card and consumer finance company offering personal loans, credit cards, and bank loan guarantee services. Comparable in its credit guarantee offerings and accumulated credit data assets.

Broad incumbents

• Radian Group Inc. US private mortgage insurance and real estate services company providing mortgage credit guarantees. Comparable business model to Nihon Hoshou's mortgage guarantee products, though operating in the US market.
• J Trust Co., Ltd. Parent company and broader Japanese/Asian financial services group operating consumer finance, guarantee, and credit businesses across multiple geographies. Nihon Hoshou is its core domestic guarantee subsidiary, so the parent's diversified portfolio provides direct comparability for the underlying credit guarantee model.
• MGIC Investment Corporation: US private mortgage insurance company providing credit enhancement on residential mortgages, closely comparable in business model (mortgage credit guarantee) though operating in a much larger and more mature market.
• SMBC Consumer Finance (Lake / Promise): One of Japan's largest consumer finance companies under Sumitomo Mitsui Financial Group, operating the Lake and Promise brands with extensive bank guarantee partnerships. Provides a benchmark for what scaled Japanese consumer credit/guarantee operations look like.

Regional players

• Cagamas Berhad: Malaysian national mortgage guarantee corporation providing credit enhancement for housing loans. Comparable in mortgage guarantee model and mission, though operating regionally in Malaysia rather than Japan.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

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 Nihon Hoshou