株式会社ラクーンフィナンシャル

What 株式会社ラクーンフィナンシャル does

株式会社ラクーンフィナンシャル (RACCOON FINANCIAL, Inc.) is a Tokyo-based B2B financial services company incorporated in October 2010 as a 100% subsidiary of 株式会社ラクーンホールディングス (RACCOON HOLDINGS, Inc., TSE Prime, securities code 3031). It operates as the dedicated financial infrastructure arm of the Raccoon Group, providing two core services: Paid, a B2B deferred payment settlement service that processes post-pay transactions between Japanese businesses; and URIHO, which the company describes as Japan's first subscription-type accounts receivable guarantee service that protects businesses against counterparty payment delays and bankruptcies.

Both products are delivered through self-serve digital websites (paid.jp and uriho.jp), enabling direct B2B customer acquisition without a sales-led motion. The underlying technology stack is not publicly detailed, but the products are positioned as domain-specialized financial infrastructure built on 20+ years of accumulated B2B transaction data and e-commerce expertise inherited from the parent group. URIHO in particular represents a novel subscription-based architecture for A/R protection, contrasting with traditional insurance-based guarantee products in the Japanese market.

The business model blends two revenue streams: transaction-based fees on Paid's deferred payment processing volume and recurring subscription fees from URIHO's guarantee customers. The customer base is horizontal, targeting any Japanese business engaged in B2B commerce that needs to manage receivables risk and cash-flow timing. The company maintains a Tokyo headquarters and an Osaka office and reports a lean headcount of 8, consistent with a digital-first operating model that leverages shared services and infrastructure from the parent holding company.

Name

株式会社ラクーンフィナンシャル

Legal name

株式会社ラクーンフィancial

Website

https://financial.raccoon.ne.jp

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

株式会社ラクーンフィナンシャル is a Tokyo-based, 100%-owned financial services subsidiary of RACCOON HOLDINGS, offering Paid (B2B deferred payment processing) and URIHO (Japan's first subscription-type accounts receivable guarantee) to Japanese businesses via self-serve digital platforms.

Ownership category

akta.pro rank

Product category

B2B Financial Services (Payment & Receivables Guarantee)

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Surety Insurance (6351), Finance Services (6199)

akta.pro industry

PRIMARYFSABAIAB

Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Transaction Banking (Cash Management & Treasury Services)

SECONDARYFSAMAFAL

A2A Bill Pay & eInvoicing (Open Banking Enabled)

Financial & Insurance/Payments & Transaction Processing/Account-to-Account (A2A) & Open Banking Payments

SECONDARYFSAMAGAE

Direct Debit / ACH Collections & Recurring Billing

Financial & Insurance/Payments & Transaction Processing/ACH & Direct Debit Processing

Keywords

• B2B payment processing
• Accounts receivable guarantee
• Deferred payment services
• Subscription guarantee services
• Corporate financial infrastructure

Headquarters

HQ city

Tokyo

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

Revenue model

1. Paid Payment Processing: Payment processing fees from B2B deferred payment transactions between businesses
2. URIHO Guarantee Subscription: Subscription-based accounts receivable guarantee service (industry's first), providing protection against payment delays and defaults

Go-to-market motion1 record

Distribution channels2 records

Core offering

Raccoon Financial provides two B2B financial services under unified infrastructure. "Paid" intermediates corporate post-payment settlement between business counterparties, enabling deferred B2B payment options. "URIHO" is Japan's first subscription-type accounts receivable guarantee service that protects businesses against unpaid receivables arising from counterparty payment delays or bankruptcy. Together, the services streamline billing operations, improve cash flow, and support business-to-business commerce expansion for Japanese corporate clients.

Product overview

株式会社ラクーンフィナンシャルの法人向け金融サービス群は「決済」と「保証」の2軸で展開されています。「Paid」が企業間後払い決済の代行サービスとして取引先の支払いリスクを管理し、「URIHO」が業界初のサブスク型売掛保証として未回収問題を解決することで、請求業務の効率化と資金繰りの改善を支援する、相互補完的なサービスポートフォリオを形成しています。

Differentiator

Problem solved

Functional benefit

Brands

• Paid: 企業間での後払い決済を代行する決済サービス
• URIHO

Products and services

• Paid A B2B post-payment settlement service that intermediates corporate deferred payment between business counterparties, allowing Japanese businesses to offer and manage post-pay options in B2B transactions and supporting billing efficiency.
• URIHO Japan's first subscription-type accounts receivable guarantee service that protects businesses against unpaid receivables caused by transaction partner payment delays or bankruptcy, supporting cash flow improvement and receivables collection.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Money Forward (マネーフォワード): Major Japanese cloud financial platform serving both SMBs and enterprises. Overlaps with Raccoon Financial through B2B invoicing, payment, and cash-flow tooling at much greater scale.
• freee (freee株式会社): Leading Japanese cloud accounting/HR platform. Competes broadly in B2B financial tooling and embedded payments (via freee ケッサイ), with a much larger enterprise install base.

Direct peers

• Net Protections (NP掛け払い / SMBCグループ): Japan's leading B2B post-pay (掛け払い) service, now under SMBC group. Direct competitor to Paid in deferred B2B settlement, with broader enterprise distribution and parent-bank capital backing.
• GMO BtoBペイメントサービス: GMO group's B2B payment service offering post-pay invoice settlement for enterprises. Directly competes with Paid in Japanese B2B payables, with greater brand recognition and ecosystem reach.
• UPSIDER: Corporate card and B2B payments platform for Japanese businesses. Competes with Paid in the B2B payments/cash-flow space, with stronger card-based capabilities and embedded credit.
• freee ケッサイ (旧スマートケッサイ): B2B post-payment/bill-issuance service from freee. Directly competes with Paid's deferred payment business, with tight integration into freee's cloud accounting platform.
• Kurasmart (クロスマート): B2B digital invoicing and pay-by-link service. Adjacent to Paid's invoicing/settlement layer, serving similar Japanese SME and mid-market customers.

Emerging players

• Accrete (アクリート): Japanese factoring and receivables-services company. Closely comparable to URIHO's AR guarantee/credit-risk absorption function, operating in the same B2B receivables risk-transfer niche.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/raccoon_pr
• YouTubeyoutube.com/@raccoonholdingsofficial
• Instagraminstagram.com/raccoon_saiyo
• LinkedInlinkedin.com/company/raccoon-financial

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 株式会社ラクーンフィナンシャル