Entrust

What Entrust does

Entrust Inc. (株式会社イントラスト) is a Tokyo-headquartered, publicly listed comprehensive guarantee services company operating in Japan. Founded in 2006 and listed on the Tokyo Stock Exchange (ticker 7191; Mothers in Dec 2016, First Section in Dec 2017, currently Standard Market), the company originated in rent debt guarantee and has expanded into three adjacent verticals: medical expense guarantee (product "Niji"/虹, launched 2015), nursing care expense guarantee ("Taiyo"/太陽, 2017), and child support guarantee (industry-first, Feb 2018).

The business operates two pillars: a guarantee business that acts as substitute corporate surety across rent, medical, care, and child support obligations, and a solution business (C&O Services, Doc-on SMS platform, Insurance Desk Service, Raku-Cre SMS credit card payment) that monetizes operational expertise built through the guarantee franchise. Core technology comprises a proprietary statistical rent guarantee screening model co-developed with Mitsubishi Research Institute (Patent No. 6333431), an SMS-based debt management contact system (Patent No. 6283070), and an SMS-based credit card payment mechanism (Patent No. 6431377). Underlying infrastructure uses NTT Communications for domestic SMS routing, cloud-based operational systems, and a proof-of-concept cloud AI service (MSYS Omnis) for call center optimization.

Entrust monetizes primarily through recurring guarantee fees paid by tenants/patients/residents and solution service fees paid by enterprise clients. Go-to-market is enterprise field sales targeting large and mid-tier real estate management companies, hospitals, and elderly care operators, supplemented by B2B2C channel partners (Daiwa House Group, Starts Group, ORIX, Sumitomo Realty), insurance co-development partners (Tokio Marine & Nichido, Mitsui Sumitomo Marine & Fire), and municipal government subsidy programs for child support. As of March 2018, Entrust served 94+ medical institutions and 142+ elderly care facility operators, with combined rent guarantee and solution contract growth averaging approximately 20% annually over the prior three years.

Name

Entrust

Legal name

株式会社イントラスト

Website

https://entrust-inc.jp

Company type

Public

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Entrust Inc. is a Tokyo-headquartered, publicly listed Japanese comprehensive guarantee services company providing rent, medical, nursing care, and child support guarantees, plus SMS-based solution services, to enterprise clients across real estate, healthcare, and municipal sectors.

Ownership category

akta.pro rank

Product category

Financial Guarantee Services

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Surety Insurance (6351)

akta.pro primary industry

Notary / Bail / Miscellaneous Consumer Bonds (FSAJAIAK)

Keywords

• Rent guarantee services
• Medical expense guarantee
• Nursing care guarantee
• Child support guarantee
• Corporate surety services

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel

Revenue model

1. 家賃債務保証 (Rent Guarantee): Core revenue stream providing corporate guarantee for residential and commercial rent defaults. Entrust acts as substitute surety (連帯保証人) for tenants, guaranteeing landlords against unpaid rent. Revenue from guarantee fees paid by tenants. Stock-based model with recurring contracts.
2. 医療費用保証 (Medical Expense Guarantee): Guarantee service for hospitalized patients' medical expenses. Entrust acts as surety for patients, guaranteeing hospitals against unpaid medical bills. Developed jointly with major non-life insurance company and later with Tokio Marine & Nichido Fire Insurance. Revenue from guarantee fees paid by patients. Growth area with over 94 medical institutions as of March 2018.
3. 介護費用保証 (Nursing Care Cost Guarantee): Guarantee service for elderly care facility residents' care costs. Entrust acts as surety for residents, guaranteeing facilities against unpaid care fees. Products include '太陽' (Taiyo). Revenue from guarantee fees paid by facility residents.
4. 養育費保証 (Child Support Guarantee): Guarantee for unpaid child support payments. Entrust advances up to 12 months of unpaid child support to the custodial parent, then collects from the non-custodial parent. Industry-first guarantee product launched February 2018.
5. C&Oサービス / ソリューション事業 (C&O / Solution Services): Business process outsourcing services derived from guarantee business operations. Includes consulting, call center operations, debt collection, document management, and operational support for real estate management companies. Provides specialized operational services leveraging expertise developed in guarantee business.
6. Doc-onサービス / 楽クレ (Doc-on / Raku-Cre): SMS-based customer contact solution and credit card payment service. Doc-on service provides bulk SMS messaging with call center integration. '楽クレ' enables credit card payments via SMS links. Revenue from service fees charged to client companies.
7. 保険デスクサービス (Insurance Desk Service): Insurance solicitation and management service for real estate management companies. Entrust handles fire insurance enrollment, policy management, and premium collection for property management companies. Developed in cooperation with Mitsui Sumitomo Marine & Fire Insurance. Revenue from insurance agency commissions.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels9 records

Core offering

Entrust provides corporate surety and guarantee services across multiple sectors in Japan, acting as substitute guarantor (連帯保証人代行) for tenants, hospital patients, elderly care residents, and single-parent families. Its guarantee portfolio covers rent debt, medical expenses, nursing care costs, and child support payments, supplemented by business solution services (C&O, Doc-on SMS communications, Insurance Desk, and Raku-Cre mobile credit card payment) that leverage expertise developed through guarantee operations.

Product overview

Entrust Inc. operates as a '総合保証サービス会社' (Comprehensive Guarantee Service Company) providing a portfolio of guarantee products and business solutions. The core guarantee products include rent guarantee (家賃債務保証) for rental housing, medical expense guarantee 'Niji' (医療費用保証) for hospitals, care expense guarantee 'Taiyo' (介護費用保証) for nursing facilities, and child support guarantee (養育費保証). Solution services include C&O (Consulting & Operation) for property management operations, Doc-on for SMS-based customer contact, Insurance Desk for insurance agency services, and Raku-Cre for credit card payments. The two-pillar business model combines guarantee services leveraging proprietary screening models with solution services built on operational expertise.

Differentiator

Problem solved

Functional benefit

Products and services

• Rent Guarantee (家賃債務保証) Corporate substitute guarantee for residential and commercial tenants, eliminating the need for personal guarantors and covering rent payment defaults owed to landlords and property management companies.
• Medical Expense Guarantee "Niji" (医療費用保証「虹」) Hospital guarantee service in which Entrust acts as guarantor for inpatient medical expenses. If patients default, Entrust advances payment to the medical institution and pursues collection from the patient.
• Care Expense Guarantee "Taiyo" (介護費用保証「太陽」) Guarantee service for nursing care facility expenses where Entrust acts as guarantor for facility care costs, reducing default risk for care facilities and eliminating the need for personal guarantors for elderly residents.
• Child Support Guarantee (養育費保証) Industry-first guarantee service for unpaid child support. Provides up to 12 months of advance payment to custodial parents and pursues collection from non-custodial parents, including legal procedure support.
• Doc-on Service (Doc-onサービス) SMS-based customer contact solution combining bulk SMS messaging, inbound call center services, and dedicated system integration, enabling high-security, cost-effective customer communication for enterprises.
• Insurance Desk Service (保険デスクサービス) Insurance agency service for property management companies, handling new insurance contracts, policy management, and premium collection to improve compliance and reduce administrative burden.
• C&O Service (C＆Oサービス) Business solution service leveraging guarantee operations expertise. Provides specialized operational support including tenant screening, contract management, and debt collection services for property management companies.
• Raku-Cre (楽クレ) SMS-based credit card payment service allowing customers to receive a payment URL on their mobile device and complete card transactions without physical card terminals.
• Corp-Rent W (コーポレントW) Rent guarantee product for corporate tenants targeting company housing and rental housing contracts for businesses, co-developed with ORIX Corporation.
• Sumaho-S NEXT / Sumaho-S Plus (スマホスNEXT／スマホス+) Hospital inpatient guarantee system where Entrust acts as guarantor for patients, eliminating the need for personal guarantors while reducing unpaid medical expense risk. Sumaho-S Plus adds outpatient and external patient coverage as an optional plan.

Quantifiable outcome

• Over 50 medical institutions adopted medical expense guarantee '虹' as of April 2017; over 94 medical institutions as of March 2018
• +3 more outcomes

Named customers20 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability3 records

Feature4 records

Partnerships

19 partnerships are on record, tiered minor, core, flagship and major.

• 滋賀県湖南市 (Konan City, Shiga Prefecture)minorGTM or Marketing Partner · 1 October 2019Municipal child support guarantee subsidy program. Konan City provides guarantee fee subsidy (up to 50,000 yen first-time) and notarial document creation expense subsidy for single-parent families with child support agreements.
• 大阪市 (Osaka City)minorGTM or Marketing Partner · 1 April 2019Municipal child support guarantee subsidy program started April 2019. Osaka City provides guarantee fee subsidy for single-parent families with formalized child support agreements.
• 東京海上日動火災保険株式会社 (Tokio Marine & Nichido Fire Insurance Co., Ltd.)coreStrategic or Co-development Partner · 1 January 2019Joint development and co-marketing of '未収医療費保証制度' (Unpaid Medical Expense Guarantee System) starting January 1, 2019. Tokio Marine provides risk analysis capabilities and creditworthiness assessment for stable system operation. Entrust acts as guarantor for hospitalized patients' medical expenses, guaranteeing hospitals against defaults.
• 兵庫県明石市 (Akashi City, Hyogo Prefecture)minorStrategic or Co-development Partner · 30 October 2018Municipal partnership for child support guarantee pilot project '明石市養育費立替パイロット事業'. First municipal pilot for child support guarantee in Japan. City provides administrative support and subsidy program; Entrust provides guarantee service.
• 日本法規情報株式会社 (Nihon Horitsu Joho / Japan Legal Information)minorGTM or Marketing Partner · 19 September 2018Business partnership for child support guarantee promotion. Japan Legal Information operates nationwide network of 1,000+ law firm offices with 100,000 annual consultation cases. Provides referral channel for single-parent families needing legal support with child support matters.
• 大和ハウスグループ (Daiwa House Group)flagshipChannel Partner/ Reseller/ Distributor · 14 June 2018Major distribution channel for multiple products including D-Support rent guarantee series, Insurance Desk Service, Doc-on service, and business-use rent guarantee. Multiple group companies served: Daiwa Living, Daiwa Living Management, Daiwa Estate, Kosmosu Ishini, etc. One of the most significant distribution partnerships.
• NPOR法人M-STEPminorGTM or Marketing Partner · 8 April 2018Joint ESG initiative partner for child support guarantee awareness. Co-applied for and received official certification of April 19 as 'Child Support Awareness Day' from Japan Anniversary Association. NPO M-STEP focuses on single-parent family support and child-rearing support.
• 一般zypisy法人JIGH (Japan International General Healthcare / JIGH)minorStrategic or Co-development Partner · 29 March 2018Partnership for foreign patient medical payment guarantee program. JIGH provides medical interpretation services (mediPhone) and multilingual support; Entrust provides payment guarantee. Jointly developed '外国人患者向け医療費未払い発生防止プログラム' launched May 2018.
• 株式会社エラン (Eran Co., Ltd.)minorStrategic or Co-development Partner · 26 February 2018Partnership for medical expense guarantee field. Jointly developed 'CSセットR' product combining Eran's care support set (CS set) rental service with Entrust's medical expense guarantee. Synergy: bundled service reduces patient burden and provides hospitals with guaranteed payment.
• 株式会社アート不動産 (Art Fudosan)minorChannel Partner/ Reseller/ Distributor · 18 January 2018Joint development of rent guarantee product for social welfare recipients using '代理納付' (agency payment) system. Art Fudosan serves as introduction channel for welfare recipient housing in Matsuyama City, Ehime Prefecture.
• 大和リビングマネジメント株式会社 (Daiwa Living Management)majorChannel Partner/ Reseller/ Distributor · 6 September 2017Entrusted with entry application processing (入居申込業務) for Daiwa Living Management. Led to opening of Yokohama Solution Center with ~100 seats for C&O operations and Insurance Desk Service operations.
• スターツグループ (Starts Group)majorChannel Partner/ Reseller/ Distributor · 30 June 2017Multiple services including rent guarantee, nursing care guarantee, Doc-on SMS service, and 楽クレ SMS credit card payment. Started Group operates real estate brokerage chain 'Pitatto House' (585 stores as of May 2017). Major B2B customer and distribution partner.
• 株式会社JALUXminorChannel Partner/ Reseller/ Distributor · 18 April 2017Partnership for expanding medical expense guarantee '虹' adoption through JALUX's broad customer base in aviation, airport, life services (insurance, real estate), retail, and food/beverage sectors including senior care operations.
• 株式会社三菱総合研究所 (Mitsubishi Research Institute / MRI)coreStrategic or Co-development Partner · 10 March 2017Joint development and patent co-filing for '家賃保証審査モデル' (Rent Guarantee Screening Model). MRI contributes statistical analysis expertise; Entrust provides accumulated operational data and industry know-how. Patent granted as No. 6333431 in June 2018.
• パナホーム不動産株式会社 (PanaHome Real Estate Co., Ltd.)majorChannel Partner/ Reseller/ Distributor · 10 January 2017First customer for Insurance Desk Service (保険デスク) in January 2017. PanaHome distributes insurance desk services to its property management customers. Also adopted elderly-focused rent guarantee products and Doc-on service.
• 三井住友海上火災保険株式会社 (Mitsui Sumitomo Marine & Fire Insurance Co., Ltd.)coreStrategic or Co-development Partner · 1 September 2016Cooperation partner for Insurance Desk Service (保険デスク). Mitsui Sumitomo provides insurance products and regulatory framework; Entrust provides distribution channel and operational services for property management company clients. First partner for Insurance Desk service.
• 大手損害保険会社 (Major Non-Life Insurance Company)coreStrategic or Co-development Partner · 22 October 2015Joint development of medical expense guarantee '虹' (Niji/Rainbow) with major non-life insurance company for inpatient medical bill defaults. First medical expense guarantee product, co-developed with unnamed major insurance company prior to Tokio Marine partnership.
• 株式会社学研ココファン (Gakken Cocofan)minorChannel Partner/ Reseller/ Distributor · 20 May 2015Nursing care expense guarantee '太陽' adopted for Gakken Cocofan's 110+ service-added senior housing facilities and nursing homes across Japan.
• オリックス株式会社 (ORIX Corporation)minorStrategic or Co-development Partner · 20 January 2015Business partnership for corporate contract rent guarantee service 'Corprent W' (コーポレントW) released January 20, 2015. Target market is corporate tenants for company housing and business premises.

Scale indicators5 records

Recent moves12 records

Expansion highlights6 records

Others

• AEON Financial Service Co., Ltd.
• Aiful Corporation: Aiful is a Japanese consumer finance company providing credit, lending, and guarantee-adjacent services to individuals and small businesses. While not a direct substitute surety competitor, it shares customer overlap in the Japanese consumer credit risk space and provides context for Entrust's consumer-facing guarantee positioning.

Direct peers

• Casa Inc. Casa Inc. (TYO: 7196) is a Japanese publicly listed company specializing in rent guarantee (substitute surety) services for the rental housing market. It is the closest direct competitor to Entrust's rent guarantee vertical, offering nearly identical product functionality to property management companies and landlords across Japan.
• Premium Group Co., Ltd. Premium Group (TYO: 7199) provides rent guarantee services alongside auto warranty and financial services in Japan. Its rent guarantee product directly competes with Entrust's D-Support series and Corprent W for the same property management and corporate tenant customer base.

Regional players

• Assurant, Inc. Assurant is a US-based provider of risk management solutions including rent guarantee and credit-related protection products serving North American property managers. It is comparable to Entrust's guarantee business model but operates in a different geographic market with different regulatory frameworks.

Broad incumbents

• Tokio Marine & Nichido Fire Insurance Co., Ltd. Tokio Marine & Nichido is Japan's largest P&C insurer and serves both as Entrust's strategic co-development partner for unpaid medical expense guarantee and as a broad incumbent offering surety, credit, and guarantee-adjacent products through its wider insurance portfolio.
• Mitsui Sumitomo Insurance Co., Ltd. Mitsui Sumitomo Insurance is a major Japanese P&C insurer and Entrust's cooperation partner for Insurance Desk Service. As a broad incumbent, it offers insurance and guarantee-adjacent solutions across its full portfolio while partnering with Entrust on property management insurance distribution.
• ORIX Corporation: ORIX Corporation is a major Japanese financial services group that jointly developed the Corprent W corporate rent guarantee product with Entrust. As a broad incumbent, ORIX offers leasing, lending, and credit-related services that overlap with Entrust's guarantee and solution business at a much larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/entrust_3

Compliance1 record

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 Entrust