Crowdloan Surpasses 200,000 Registered Users and 40 Partner Financial Institutions

Crowdloan Co., Ltd. (Headquarters: Shinjuku, Tokyo; Representative Director: Daisuke Murata) is pleased to announce that its bank loan matching platform, "Crowdloan," has achieved significant milestones: over 200,000 registered users, more than 40 partner financial institutions, over 1,800 partner businesses, and a cumulative total of 181.4 billion yen in loan applications.

Since the service's inception in 2020, under the concept of "easily finding bank loans that suit users," the platform has addressed diverse financial needs, including auto loans, education loans, and home renovation loans. We believe these milestones demonstrate that options beyond "just consulting a bank directly" are becoming established in Japanese personal finance.

■ Service Overview and Background

Crowdloan is Japan's only bank-proposal loan matching platform. Individuals seeking to borrow money can receive direct proposals from multiple financial institutions with a single application (Patent No. 7598654).

Traditionally, when individuals considered loans, they had to visit bank counters individually or browse multiple comparison sites.審査基準 (screening criteria) are not public, and information regarding which financial institution would approve an application was unavailable to users. Crowdloan was created to solve the issue of information asymmetry between borrowers and lenders, which often "deprived individuals of appropriate funding opportunities."

When users register their preferred conditions on the platform, screening is conducted by partner guarantee companies, and loan terms are received directly from banks and credit unions. This mechanism allows users to select the optimal plan after comparing multiple bank conditions, expanding their options in terms of both interest rates and approval rates.

■ Background of 200,000 Users and 40+ Institutions

The rapid penetration in the auto loan sector has been a key factor behind surpassing 200,000 registered users. As new car prices continue to soar, interest in bank loans (which offer lower interest rates than dealer loans) as a means to procure funds has risen. Awareness of these options has expanded through partnerships with automobile sales stores and used car dealers.

The factor behind surpassing 40 partner financial institutions lies in the synergy with the needs of regional banks and credit unions for "creating lending opportunities through digital channels." As in-store traffic decreases, Crowdloan's platform, which allows for acquisition of screening opportunities online, functions as a new customer contact point for financial institutions.

The figures—over 1,800 partner businesses and 181.4 billion yen in cumulative applications—represent the reality that loans are no longer just for a "specific segment of people" but are used in various scenes of daily life.

■ Comment from Representative Director Daisuke Murata

"Faced with the number 200,000, my first thought was: 'Are there really this many people who have felt inconvenienced by the current lending system?'"

"For example, in the case of auto loans, many people simply choose the loan recommended by the dealer when buying a car. In reality, bank auto loans almost always offer lower interest rates. However, many people do not even consider bank loans from the start because they don't know where to apply. My straightforward motivation for starting Crowdloan was to eliminate this 'loss due to not knowing.'"

"What Crowdloan aims to solve is that 'resignation.' By removing information asymmetry and creating an environment where borrowers can face financial institutions on equal terms, we are achieving our starting point and our unwavering goal."

"Moving forward, we plan to expand options not only for personal loans but also for more people struggling with funding."

"The milestone of 200,000 is just a waypoint. We will continue to fulfill our role as a platform so that as many people as possible can know that 'there are options for getting a loan.'"

■ Deepening Partnerships by Sector and Launching "Loan Screening Result Sharing Feature"

As of May 2026, we have launched a new feature that allows users to share their loan screening results with partner merchants.

Previously, information about loan screening status was available only to the user, but this new feature allows partner merchants to confirm a user's screening approval status in real-time.

For industries where the timing of product or service provision depends on screening results, such as auto dealerships and real estate businesses, this is a major practical step toward facilitating smoother business negotiations and contract procedures.

Crowdloan will continue to expand its functions to remain a platform that is easy for all three parties—borrowers, lenders, and merchants—to use.