J-Lease

What J-Lease does

J-Lease Co., Ltd. (TSE Prime: 7187) is a Japanese financial guarantee company founded in 2004 and headquartered in Oita Prefecture, providing rent guarantee services to property owners, property management companies, and tenants. Its core business is acting as a guarantor that advances rent payments to landlords when tenants default — covering residential properties, commercial/business-use properties (J-AKINAI, up to 24 months of rent coverage), parking spaces, medical expenses (J-HOSPITAL), and child support payments (J-Mirai). The company served 262,000 applications in FY2024 through a network of 36 branch offices across 33 prefectures, supported by 26,000+ affiliated real estate companies and the proprietary TRUSTA online customer information management platform.

The business model is primarily a recurring subscription/fee-based revenue stream tied to each guarantee contract, with FY2024 revenue of ¥13,220M split between residential rent guarantee (¥7,788M, ~59%) and commercial rent guarantee (¥3,219M, ~24%), supplemented by smaller IT services (Eivisu subsidiary), medical expense guarantee, real estate brokerage for foreign residents (Asumirai subsidiary), and child support guarantees. AI-driven credit screening and debt management systems underpin a 97.1% subrogation recovery rate and 6.1% occurrence rate, supporting a 44.3% ROE and 19.7% operating margin in FY2024.

The go-to-market is a B2B2C channel-partner model: J-Lease distributes through affiliated real estate management companies using the TRUSTA platform for application processing, subrogation claims, and monthly payment management, supplemented by direct enterprise field sales for commercial (J-AKINAI) accounts and a multilingual call center for foreign residents. The company is actively executing a mid-term plan targeting ¥21,170M in FY2027 revenue, branch network expansion to 47 offices, and adjacent vertical expansion via subsidiaries and partnerships (Mitsubishi Estate for HOMETACT smart home, Hokuriku Electric Power for electricity-based resident monitoring, Japan Small Amount Short-Term Insurance for insurance product collaboration).

Name

J-Lease

Legal name

J-LEASE Co.,LTD.

Website

https://j-lease.jp

Company type

Public

Founded year

2004

Operating status

Operating

Headcount range

501–1,000 employees

Short description

J-Lease is a Japanese financial guarantee company (TSE Prime: 7187) that provides rent guarantee services for residential, commercial, parking, medical, and child support obligations, distributed through 26,000+ affiliated real estate partners and 36 branch offices across Japan, with FY2024 revenue of ¥13,220M.

Ownership category

akta.pro rank

Product category

Rent Guarantee Services

NAICS

Residential Property Managers (531311), Rental and Leasing Services (532)

SIC

Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Residential Lease Administration & Tenant Services (BPAJAFAL)

akta.pro secondary industry

Property Management Advisory & Leasing Administration (FSAEAJAN)

Keywords

• Rent guarantee services
• Commercial property leasing
• Medical expense guarantee
• Child support guarantee
• Credit risk assessment

Headquarters

HQ city

Oita

HQ country

Japan

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Residential Rent Guarantee: Guarantee fees for residential rental properties, providing landlords with protection against unpaid rent. This is the core revenue driver, with FY2024 revenue of ¥7,788 million.
2. Business/Commercial Rent Guarantee (J-AKINAI): Guarantee fees for commercial properties including offices, stores, factories, and warehouses. Provides rent payment guarantee up to 24 months. FY2024 revenue was ¥3,219 million.
3. Medical Expense Guarantee (J-HOSPITAL): Guarantee service for unpaid medical expenses at healthcare facilities. FY2024 revenue was approximately ¥100 million with plans to grow to ¥220 million by FY2027.
4. Child Support Guarantee (J-MIRAI): Guarantee service for child support payments for single-parent families.
5. Parking Space Rent Guarantee: Guarantee services for parking space rental payments.
6. Real Estate Related Business (Subsidiary Asumirai): Real estate brokerage and renovation/resale services targeting foreign residents. FY2024 revenue: ¥447 million.
7. IT Services (Subsidiary Evis): Environmental inspection systems, software development, and medical/elderly care facility systems. FY2027 projection: ¥1,720 million revenue.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

J-Lease provides rent guarantee services in Japan, stepping in as a guarantor to pay rent and other obligations on behalf of tenants to property owners and management companies. The portfolio covers residential rent guarantee, business-use rent guarantee (J-AKINAI, up to 24 months rent), medical expense guarantee (J-HOSPITAL), child support guarantee (J-Mirai), and parking rent guarantee (Parking Get!!). The company delivers these through a B2B partnership network of 26,000+ affiliated real estate companies and a 36-branch national footprint, supported by its proprietary TRUSTA customer management platform.

Product overview

J-Lease offers a portfolio of rent guarantee products anchored by two core services — J-AKINAI for business/commercial properties and residential rent guarantee for housing — supplemented by several specialized sub-brands (J-HOSPITAL for medical expenses, J-みらい for child support, 駐車場Get!! for parking spaces) and value-added modules (multilingual support for foreign residents, the TRUSTA customer information management system, and net account transfer services). The company operates as a guarantor, stepping in to pay rent on behalf of tenants to property owners and management companies, with the guarantee covering various property types and non-rental payment obligations.

Differentiator

Problem solved

Functional benefit

Brands

• J-AKINAI (ジェイ·アキナイ): Business-use rent guarantee service for offices, stores, factories, and warehouses, offering up to 24 months of rent guarantee.
• J-HOSPITAL (ジェイ-ホスピタル)
• J-Mirai (J-みらい)
• TRUSTA
• Parking Get!! (駐車場Get!!)
• J-Lease Premium Yutai Club (ジェイリース・プレミアム優待倶楽部)

Quantifiable outcome

• 97.1% subrogation recovery rate (FY2024)
• +3 more outcomes

Named customers2 records

Segments7 records

Ideal customer profiles5 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature4 records

Partnerships

16 partnerships are on record, tiered core and minor.

• ジャパン少額短期保険株式会社 (JAPAN SMALL AMOUNT SHORT-TERM INSURANCE Co., Ltd.)coreStrategic or Co-development Partner · 1 October 2025Business partnership for insurance product collaboration. Combined offering with J-Lease guarantee services to provide comprehensive risk coverage.
• 北陸電力株式会社 (Hokuriku Electric Power Company)minorStrategic or Co-development Partner · 12 May 2025Business partnership using electricity usage data for resident monitoring service 'Denki de Tsunagi Support' (Electrical Connection Support).
• 三菱地所株式会社 (Mitsubishi Estate Co., Ltd.)coreChannel Partner/ Reseller/ Distributor · 5 January 2025Sales agent contract for Mitsubishi Estate's comprehensive smart home service 'HOMETACT'. J-Lease acts as distribution partner.
• 全国居住支援法人協議会 (National Housing Support Organization Council)coreStrategic or Co-development Partner · 16 October 2024Membership in industry organization working to support housing access for vulnerable populations. Supports J-Lease's housing support activities nationwide.
• 日本視覚障害者柔道連盟 (Japan Blind Judo Federation)minorGTM or Marketing Partner · 14 October 2024OFFICIAL PREMIUM PARTNER sponsorship for disabled sports organization, supporting brand awareness and social contribution activities.
• 株式会社串;gt;田中ホールディングス (Kushikachi Tanaka Holdings)minorGTM or Marketing Partner · 26 September 2024Sponsor of KT League football team for brand visibility.
• 株式会社エイビス (Evis Co., Ltd.)coreOthers · 12 April 2024Subsidiary specializing in IT services: environmental inspection systems (No. 1 market share domestically), software development, and medical/elderly care facility systems.
• 株式会社あすみらい (Asumirai Co., Ltd.)coreOthersSubsidiary specializing in real estate services for foreign residents: brokerage, renovation/resale, and monthly mansion management for visiting foreigners.
• 公益社団法人日本賃貸住宅管理協会 (Japan Property Management Association)minorOthersIndustry association membership providing legitimacy and industry network access.
• 全国賃貸管理ビジネス協会 (National Rental Management Business Association)minorOthersIndustry association membership for rental management businesses.
• 全日本不動産協会 (All Japan Real Estate Association)minorOthersReal estate industry association membership.
• 日本赤十字社 (Japanese Red Cross Society)minorStrategic or Co-development PartnerPartner healthcare institution using J-HOSPITAL medical expense guarantee service.
• 一般財団法人 ジェイリース奨学基金 (J-Lease Scholarship Foundation)minorOthersCompany-established scholarship foundation supporting educational opportunities.
• 大分トリニータ (Oita Trinita)minorGTM or Marketing PartnerSports sponsorship with J-Lease Thanks Day events for community engagement.
• NPO/IPPO IPPO NIPPONminorOthersSupport for disaster recovery and reconstruction activities.
• 認定個人情報保護団体 (Certified Personal Information Protection Organization)minorOthersRegistered with designated personal information protection organization for compliance.

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Aiful Corporation: Japanese consumer finance company (TSE Prime code 8515) with credit screening, lending, and guarantee operations. Comparable in credit risk management and collections infrastructure, but with broader consumer lending focus.
• Mitsubishi Estate Co., Ltd. Japan's largest real estate developer (TSE Prime code 8802) and an existing channel partner for J-Lease's HOMETACT smart home distribution. Comparable as a large-scale property operator whose managed assets create rent guarantee demand.
• Haseko Corporation: Major Japanese real estate developer and property manager (TSE Prime code 1928) with significant property management operations. Overlaps as a customer and channel partner for J-Lease's commercial guarantee products.
• SBI Holdings, Inc. Japanese financial conglomerate (TSE Prime code 8473) operating insurance, lending, and guarantee businesses. Comparable as a broader financial services incumbent with overlap in credit underwriting and consumer finance adjacency.

Others

• RealPage, Inc. US-based property management software provider serving multifamily and commercial landlords globally. Comparable as a technology-enabling peer for J-Lease's TRUSTA customer management platform and AI-driven credit screening workflow.
• Software Service, Inc. TSE Standard-listed medical information systems provider (code 3733). Comparable as an adjacency to J-Lease's Eivisu subsidiary, which provides environmental inspection and medical/elderly care facility IT systems.

Direct peers

• JID Co., Ltd. Listed Japanese rent guarantee company (TSE Growth code 7159) providing residential rent guarantee and real estate support services, directly competing with J-Lease for affiliated real estate company partnerships.
• Nihon Hoshou Co., Ltd. Major non-listed Japanese rent guarantee operator providing residential and commercial rent guarantees with a similar MLIT-certified business model. Competes head-to-head for property management partnerships.
• Casa Inc. Japan's largest dedicated rent guarantee company (TSE Prime code 7198), offering both residential and commercial rent guarantee products. Closest direct competitor to J-Lease in product, customer base, and distribution model.

Emerging players

• GA Technologies, Inc. TSE Prime-listed Japanese proptech company (code 3491) operating RENOSY and related real estate services including rent guarantee and property management. Partial overlap in customer base and product set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeadmin.riclink.jp/new-post/j-lease/movie
• Instagraminstagram.com/jlease_recruit

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about J-Lease