What Accel Factor does

Accel Factor (株式会社アクセルファクター) is a Tokyo-based Japanese factoring company founded in 2018 that converts accounts receivable (売掛金) into immediate cash for small and medium enterprises, with explicit focus on construction, manufacturing, and IT sector businesses. The company's core service is two- and three-company factoring, supplemented by same-day review processing, online application workflows, and SMS-based debt assignment notifications delivered via a Ministry of Justice and METI-certified system operated by Linx. A deliberate differentiator is the willingness to underwrite clients with red-ink financial statements or existing tax arrears, expanding the eligible customer base beyond borrowers who qualify for traditional bank financing.

Beyond factoring, Accel Factor operates a suite of adjacent services under the same brand, including financial consulting, bank negotiation support, tax and social insurance deferral assistance, government subsidy introductions, and funding-source referrals. Pricing is transaction-based (factoring fees as a take-rate on each invoice), with rates individually quoted based on invoice amount, settlement period, and debtor creditworthiness; specific fee schedules are not publicly disclosed. The company operates exclusively within Japan (primarily the Kanto region), distributing through a multi-channel mix of inbound phone-based inside sales, web self-serve applications, a LINE diagnostic tool, and a December 2024 partnership with Vankable for B2B invoice card payment extension.

Accel Factor is a subsidiary of Nexstage Group Holdings Co., Ltd. (ネクステージグループホールディングス株式会社), a diversified financial services conglomerate operating 20+ group companies across factoring, financing, asset management, marketing, and business regeneration support. Group-wide headcount stood at 222 employees with total group capital of 270.52 million yen as of April 2025, up from 150 employees in January 2022. The company is privately held with no disclosed external venture or institutional funding, and its representative director is Motoharu Yoshihiro (本成 善大). Accel Factor holds a Business Innovation Support Organization certification (経営革新等支援機関) granted April 28, 2023 by the Kanto Finance Bureau and Kanto Economic and Industrial Bureau.

Name

Accel Factor

Legal name

株式会社アクセルファクター

Website

https://accelfacter.co.jp

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

Accel Factor is a Tokyo-based Japanese factoring company founded in 2018 that provides accounts receivable cash conversion and adjacent financial consulting services to small and medium enterprises, with particular focus on construction, manufacturing, and IT sector clients.

Ownership category

akta.pro rank

Product category

SME Invoice Factoring / Alternative Working Capital Finance

NAICS

Other Nondepository Credit Intermediation (52229)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Invoice Financing & Factoring (FSAKAGAC)

Keywords

• Accounts receivable factoring
• SME cash flow
• Invoice financing
• Non-loan fundraising
• Financial consulting

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. ファクタリング手数料 (Factoring fees): Revenue is generated through transaction fees charged on each factoring deal. Fees are calculated based on the invoice amount, settlement period, and debtor creditworthiness. This is the primary revenue stream for Accel Factor as a factoring service provider.
2. 財務コンサルディング (Financial consulting): Advisory services accompanying factoring arrangements and standalone financial consulting engagements for中小企业 (SMEs).
3. 資金調達先紹介 (Funding source referrals): Introduction and referral services connecting clients to appropriate funding sources within the broader Nexstage Group ecosystem.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Accel Factor purchases receivables (売掛金) from Japanese small and medium-sized enterprises and sole proprietors and pays them out as cash, typically on a same-day basis, in exchange for a handwritten factoring fee. The service is positioned as non-loan fundraising so it does not create balance-sheet debt or affect credit standing. Around this core receivables-purchase offering, Accel Factor bundles financial-consulting ancillaries: financial institution response support, tax and social-insurance deferral assistance, grant/subsidy introductions, and funding-source selection and referral services.

Product overview

アクセルファクター（Accel Factor）は、卖挂金早期現金化（ファクタリング）を中核サービスとする、中小企业向け資金調達支援企業です。 Nexstage Group Holdings旗下的核心企业,主力产品为"ファクタリング（应收账款债权买收）",通过受让企业应收账款债权实现资金快速回收。财务顾问服务,涵盖经营咨询、融资对策支援、税费递延支援、补助金介绍等模块。

Differentiator

Problem solved

Functional benefit

Products and services

• 売掛金早期現金化（ファクタリング） (Accounts Receivable Factoring) Core offering for Japanese SMEs and sole proprietors: Accel Factor purchases their accounts receivable (売掛金) and pays them out as cash, most often the same day, in exchange for a handwritten factoring fee rather than loan interest. Acceptance criteria explicitly include companies with red-ink financial statements, tax arrears, or social-insurance arrears.
• 財務コンサルティング (Financial Consulting) Professional-services engagement in which Accel Factor consultants advise Japanese SMEs and sole proprietors on funding strategy, financial institution response, and use of public support schemes such as grants, subsidies, tax and social-insurance deferrals.

Quantifiable outcome

• 即日の審査完了・資金調達 (Same-day review and fund disbursement)
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• 株式会社バンカブル (Vankable)coreStrategic or Co-development Partner · 26 December 2024Accel Factor entered into a co-development partnership with Vankable (株式会社バンカブル), which provides the 'Vankable 請求書カード払い' (Vankable Invoice Card Payment) service. This service enables B2B invoice payments to be extended via corporate credit cards, allowing companies to defer payment deadlines to the card billing date. The partnership aligns with Accel Factor's management philosophy of '全ての経営者様の利益に' (benefit to all business owners) and aims to improve cash flow for a broader range of companies through combined factoring and payment extension solutions.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• 日本中小企業金融支援機構 (Japan SME Finance Support): A non-profit-style factoring entity providing receivables financing to Japanese SMEs. Comparable to Accel Factor in core product and target segment.
• BeTrading (ビートレーディング): BeTrading is one of Japan's largest dedicated factoring companies serving SMEs with both 2-company and 3-company factoring. It directly competes with Accel Factor for Japanese SME receivables-financing customers.
• OLTA: OLTA is a Japanese cloud-based factoring platform targeting SMEs with an online, speed-focused product. It is the closest direct competitor to Accel Factor in the Japanese online factoring space.
• QuQuMo (ククモ): QuQuMo is an online factoring provider for Japanese SMEs emphasizing fast approval and online-only workflow. It competes with Accel Factor on speed, simplicity, and SME customer segment.
• ラボル (Labor): Labor offers online factoring services to Japanese freelancers and SMEs with rapid processing. It is a direct competitor in the same SME receivables-financing category as Accel Factor.

Emerging players

• Vankable (バンカブル): Vankable is a B2B invoice-card-payment service partnered with Accel Factor. It is an emerging player in B2B payment-extension finance, providing complementary working-capital solutions to the same SME client base.

Broad incumbents

• freee (freee K.K.): freee provides cloud accounting, payroll, and SMB financial services in Japan. While not a direct factoring competitor, it overlaps in serving Japanese SMEs with finance-management and cash-flow tools adjacent to Accel Factor's consulting offerings.
• Money Forward Finance (Money Forward): Money Forward offers SMB-focused SaaS and financial services including some lending-adjacent products. It is a broader incumbent in Japanese SME finance technology that competes for the same wallet share as Accel Factor's consulting/financial-management modules.
• PayPay Finance / 60万円融资: PayPay's lending arm is part of the broader Z Holdings / SoftBank ecosystem offering personal and small-business credit products. It is a broad incumbent with adjacent SME lending capability that overlaps with Accel Factor's customer base.

Others

• アクセルアセットマネジメント (Accel Asset Management): A sibling company within Nexstage Group Holdings focused on asset management. It is an internal ecosystem peer rather than a competitor, useful for understanding group cross-sell dynamics around Accel Factor.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Accel Factor