2026 Survey: Approximately 70% (68.5%) of SMEs Experienced Payment Delays; Ranking of 'Absurd Excuses' from Business Partners Also Announced. — Cash Flow Defense Strategies to Prevent Black-Ink Bankruptcy
A survey conducted by Factum Co., Ltd. (Kumamoto, Japan) from March 25 to April 5, 2026, targeting 315 SME managers and sole proprietors nationwide, revealed that 68.5% experienced accounts receivable payment delays within the past year. The top reason for delays was 'staff forgetting to process invoices' (42.1%), followed by 'chain reaction due to client's delayed payment' (28.5%), and 'internal system errors' (14.2%). Additionally, 81.2% of managers reported mental distress due to these delays. Factum, a factoring business, highlighted the risk of 'black-ink bankruptcy' and the importance of credit management and legal measures.
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- 📰 Published: April 14, 2026 at 19:00
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Factum Co., Ltd., a company supporting cash flow and accounts receivable issues, conducted a survey on payment delays and cash flow among 315 SME managers and sole proprietors in Japan from March 25 to April 5, 2026. The survey found that 68.5% of respondents experienced payment delays within the past year. The primary reason cited for delays was 'staff forgetting to process invoices' (42.1%). Other significant reasons included 'chain reaction from client's delayed payment' (28.5%) and 'internal system errors or internet banking malfunctions' (14.2%). The survey also highlighted the mental impact on business owners, with 81.2% reporting mental distress or sleep deprivation due to payment delays. Factum emphasized that payment delays are a critical indicator that can lead to 'black-ink bankruptcy' and advised proactive credit management and readiness for legal action to protect businesses and their owners' mental health.