株式会社フジコー
株式会社フジコー is a Sapporo-based, privately held non-bank financial institution founded in 1975 that specializes in commercial bill discounting (手形割引), densai electronic record discounting, re-discounting for peer lenders, and working capital loans for small and medium enterprises across Japan.
- Company typePrivate
- Founded1975
- HeadquartersSapporo, Japan
- Headcount1–10
- GTM typeB2B
- OfferingServices
What 株式会社フジコー does
株式会社フジコー (Fujicoh Co., Ltd.) is a privately held, Sapporo-headquartered non-bank financial institution founded in 1975 (Showa 50), specializing in commercial bill discounting (手形割引) for Japanese small and medium enterprises. The firm holds the Hokkaido Governor money lending license (15) Ishidaishi No. 00172 — Hokkaido's oldest such registration, renewed as of January 2026 — and is registered with the Japan Consumer Finance Association (No. 000562) and the National Business Finance Association. Its core service is purchasing commercial bills at a discount to deliver immediate cash to SMBs, shops, and company operators at effective annual rates of 5.0% to 20.0%, with all guarantee, investigation, and administrative fees set to zero.
Beyond primary bill discounting, the firm operates a re-discounting desk (手形再割引) that handles bills from peer bill discounters, banks, and registered money lenders across Japan (Hokkaido to Okinawa), and an electronic record claim (densai / 電子記録債権) discounting service that pre-positions the firm for the end-March 2027 paper-to-electronic migration deadline. Adjacent offerings include ABL and real estate-backed working capital loans, dedicated bill-handling services for civil rehabilitation proceedings, and a 24-hour online estimation system and FAX-based application channel. A related real estate subsidiary, FF (フジコー不動産販売), coordinates property-secured lending, brokerage, and asset utilization.
Fujicoh's go-to-market is sales-led and relationship-driven: in-person consultations at the Sapporo headquarters staffed by former bank branch managers and financial specialists, with parallel referral flows from accountants, tax attorneys, lawyers, and bank counterparties. All working capital is supplied through credit facilities with 2 regional banks, 6 shinkin banks, and 1 shinkumi (credit union) in Hokkaido, supporting approximately ¥3.5 billion or more in outstanding discounted bill balances. The customer base is widely distributed across Hokkaido SMBs facing cash-flow gaps, peer institutions needing re-discounting liquidity, and civil rehabilitation cases requiring specialized bill handling.
株式会社フジコー firmographics
Firmographics- Name
- 株式会社フジコー
- Legal name
- 株式会社フジinco
- Website
- https://fujicoh.jp
- Company type
- Private
- Founded year
- 1975
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- 株式会社フジコー is a Sapporo-based, privately held non-bank financial institution founded in 1975 that specializes in commercial bill discounting (手形割引), densai electronic record discounting, re-discounting for peer lenders, and working capital loans for small and medium enterprises across Japan.
- Ownership category
- akta.pro rank
株式会社フジコー industry classification
Industry- Product category
- Commercial Bill Discounting (Non-Bank Lending)
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
Keywords
Where 株式会社フジコー is headquartered
LocationHeadquarters
- HQ city
- Sapporo
- HQ country
- Japan
- HQ region
- Asia
Offices1 record
Markets served
株式会社フジコー business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Commercial Bill Discounting: Fees earned on the discounting of commercial bills (手形割引). The company purchases bills at a discount, earning the difference between face value and purchase price. This is the primary revenue stream, with the company maintaining approximately ¥3.5 billion or more in discounted bill balances.
- Bill Re-discounting: Re-discounting services for peer bill discounting companies, banks, and registered financial institutions. Handles nationwide brands from Hokkaido to Okinawa Prefecture.
- Electronic Record Claim (でんさい) Discounting: Discounting services for electronic record claims (電子記録债权/でんさい), reflecting the industry shift from paper-based bills to electronic format.
- Working Capital Financing: Various working capital loan products including ABL (Asset-Based Lending) and real estate-backed financing, often handled in coordination with the related company Fujicoh Fudosan (FF).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Bill Discounting Rate |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
株式会社フジコー product offering
Product offeringCore offering
Fujicoh is a non-bank financial institution that purchases commercial bills (手形) from small and medium enterprises at a discount, providing immediate cash in exchange for the future payment obligation represented by the bill. Core services include commercial bill discounting, bill re-discounting for peer financiers, electronic record claim (でんさい) discounting, working capital financing (ABL and real estate-backed), and civil rehabilitation bill handling, all offered with a fee-free structure and competitive 5.0%–20.0% annual discount rates.
Product overview
株式会社フジデー operates as a non-bank financial institution (ノンバンク) specializing in commercial bill discounting services, offering both traditional paper bill discounting and electronic record claim (でんさい) discounting. The core product portfolio consists of 手形割引 (bill discounting) and 手形再割引 (bill re-discounting) for businesses, supplemented by 電子記録割引 (electronic record claim discounting), various working capital financing (ABL and real estate-backed), and specialized services for civil rehabilitation companies. An online estimation system and FAX application provide round-the-clock access to services. The company primarily serves small and medium enterprises, merchants, and company executives in the Sapporo area, with a nationwide reach for re-discounting services.
Differentiator
Problem solved
Functional benefit
Products and services
- Commercial Bill Discounting Service (手形割引サービス) Discounting service for commercial bills (手形) that allows small and medium businesses to convert bills receivable into immediate cash. The company purchases bills at a discount against an effective annual rate of 5.0% to 20.0%, with no guarantee, investigation, or administrative fees charged.
- Bill Re-discounting Service (手形再割引サービス) Re-discounting service for peer bill discounting companies, banks, and registered financial institutions. Handles bills from Hokkaido to Okinawa nationwide, providing liquidity and risk management for peer bill portfolios.
- Electronic Record Claim Discounting Service (電子記録債権割引サービス／でんさい割引) Discounting service for electronic record claims (でんさい/電子記録債権), supporting businesses transitioning from paper bills to electronic format as the industry digitizes ahead of the planned end-of-March 2027 deadline for paper bill and check conversion.
- Working Capital Financing Service (各種運転資金等) Working capital financing services including ABL (Asset-Based Lending) and real estate-backed financing solutions for businesses in need of operational funds, often handled in coordination with the related company フジコー不動産販売 (FF).
- Civil Rehabilitation Support Service (民事再生支援サービス) Specialized bill handling services for companies undergoing civil rehabilitation proceedings under the Civil Rehabilitation Act, including bill discounting and liquidation support for collection bills during legal restructuring.
Companies that use 株式会社フジコー
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
株式会社フジコー technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
株式会社フジコー partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor and major.
- 札幌商工会議所minorMember of the Sapporo Chamber of Commerce and Industry, indicating local business community engagement.
- フジuco不動産販売（FF）majorRelated company handling real estate asset utilization (有効活用), property purchases, sales, and brokerage. Coordinates with Fujicoh on secured financing,担保付き融資, and asset-based solutions. Referrals for real estate-backed working capital and property-related financial needs are directed to FF.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
株式会社フジコー competitors and assessment
Company assessmentBroad incumbents
- 商工組合中央金庫 (Shoko Chukin Bank): Government-affiliated Japanese financial institution serving SMEs with working capital and bill discounting products. Represents a more institutional alternative in the same bill discounting market.
- オリックス (Orix Corporation): Large diversified Japanese financial services group with bill discounting, leasing, and SMB lending operations. A broad incumbent that overlaps with Fujicoh in trade credit but operates across far broader financial services categories.
- 三菱HCキャピタル (Mitsubishi HC Capital): Major Japanese leasing and finance company with factoring and SMB lending products. Relevant as a broad incumbent competitor in working capital financing for SMEs.
- SMBCコンシューマーファイナンス (SMBC Consumer Finance): Major Japanese consumer finance subsidiary of Sumitomo Mitsui Financial Group with SMB lending operations. A broad incumbent in non-bank lending with overlapping target customers.
- アコム (Acom): Large Japanese consumer and SMB non-bank lender. While primarily consumer-focused, Acom's SMB division competes for the same underbanked SME customer segment that Fujicoh serves.
Direct peers
- AGビジネスローン (AG Business Loan): Japanese non-bank lender focused on SMB working capital and bill discounting. Directly comparable to Fujicoh in serving SMEs with short-term business credit outside traditional banking channels.
- ショーエイコーポレーション (Shoei Corporation): Non-bank lender specializing in bill discounting and SMB financing in regional Japan. Operates a similar short-term business credit model targeting SMEs that traditional banks underserve.
- シティズファクトリー (City's Factory): Non-bank bill discounting and SMB lending company in Japan. Closely comparable business model centered on commercial paper discounting for small businesses.
- キャネット (Canet): Japanese commercial bill discounting and factoring specialist serving SMEs nationwide. Comparable core product set to Fujicoh's tegata waribiki and densai services.
Others
- 日本貸金業協会 (Japan Financial Services Association): Self-regulatory industry body for Japanese money lending businesses. Fujicoh is a registered member; included as an ecosystem participant relevant to understanding competitive dynamics in non-bank lending.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
株式会社フジコー social profiles
Digital presence株式会社フジコー compliance and trust
Trust signalCompliance4 records
株式会社フジコー financial estimates
Financial estimateRevenue estimate
Valuation estimate
株式会社フジコー leadership team
Management profileNumber of profiles
Profiles1 record
株式会社フジコー subsidiaries and ownership
Company hierarchySubsidiaries1 record
株式会社フジコー funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
株式会社フジコー M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 株式会社フジコー
What does 株式会社フジコー do?
Fujicoh is a non-bank financial institution that purchases commercial bills (手形) from small and medium enterprises at a discount, providing immediate cash in exchange for the future payment obligation represented by the bill. Core services include commercial bill discounting, bill re-discounting for peer financiers, electronic record claim (でんさい) discounting, working capital financing (ABL and real estate-backed), and civil rehabilitation bill handling, all offered with a fee-free structure and competitive 5.0%–20.0% annual discount rates.
Is 株式会社フジコー a public or private company?
株式会社フジコー is a private company. It is classified as family owned and is currently operating.
When was 株式会社フジコー founded?
株式会社フジコー was founded in 1975. It employs 1 to 10 people.
Where is 株式会社フジコー based?
株式会社フジコー is headquartered in Sapporo, Japan, in the Asia region.
How does 株式会社フジコー make money?
Four revenue lines are on record. Commercial Bill Discounting is the primary driver. The others are bill Re-discounting, electronic Record Claim (でんさい) Discounting and working Capital Financing.
Who are 株式会社フジコー's main competitors?
Broad incumbents on record are 商工組合中央金庫 (Shoko Chukin Bank), オリックス (Orix Corporation), 三菱HCキャピタル (Mitsubishi HC Capital), SMBCコンシューマーファイナンス (SMBC Consumer Finance) and アコム (Acom). Direct peers are AGビジネスローン (AG Business Loan), ショーエイコーポレーション (Shoei Corporation), シティズファクトリー (City's Factory) and キャネット (Canet). 日本貸金業協会 (Japan Financial Services Association) is listed as an others.
Does 株式会社フジコー have an API?
No public API is recorded for 株式会社フジコー.
What industry is 株式会社フジコー in?
株式会社フジコー's product category is Commercial Bill Discounting (Non-Bank Lending). Its primary akta.pro industry code is FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout). Its NAICS code is 5222 and its SIC code is 6153.