Finatext Significantly Enhances Corporate Finance Functions on Credit Business Platform "Crest"

Finatext Inc. (Headquarters: Chiyoda-ku, Tokyo; CEO: Akane Kinoshita; hereinafter referred to as "Finatext"), part of the Finatext Group which provides embedded finance through next-generation financial infrastructure, will significantly enhance the corporate finance functions on its credit business platform "Crest". This enhancement will enable the integration of customer information fragmented across multiple financial services such as loans, corporate cards, and factoring, and the automatic aggregation of information required for the screening process, supporting financial institutions in realizing comprehensive finance services.

## ■ Background

In recent years, finance for small and medium-sized enterprises has diversified, requiring financial services tailored to the company's growth phase. However, in the credit screening operations of financial institutions, systems are often fragmented by service, leading to duplicate information management and difficulties in data matching. Furthermore, collecting screening information manually (inquiring with credit investigation agencies, obtaining corporate registry documents, web searches, etc.) is time-consuming, resulting in lost opportunities due to delayed screening speeds that cannot meet customer financing needs. Additionally, a major challenge has been the difficulty in proactively increasing credit limits that reflect a company's growth in a timely manner, as credit models often rely on the personal assets and credit of the representative director.

## ■ "Crest" Enhanced Functions

To address these fundamental issues, Finatext will offer the following functional groups on "Crest".

*"Automatic Data Matching", "Data Aggregation", "Credit Limit Increase Suggestion", and "Cascade Credit" utilize "DataLinc", a DaaS provided by Nowcast Inc., a Finatext Group company, which enhances sales activities and credit management by matching corporate data and integrating it with external data.

**1. "Automatic Data Matching" to Resolve Fragmentation of Corporate Information (Scheduled for Release: June 2026)**

This function optimizes corporate information management by leveraging Finatext Group's proprietary corporate database and advanced cleansing technology using generative AI. It automatically assigns corporate identification numbers with high accuracy to the vast amounts of data scattered across existing systems. This makes it easy to centrally manage multiple contracts per corporation. Furthermore, when a customer applies for a new service, simply selecting the candidate corporate name automatically fills in the address and other details, preventing input errors. This significantly reduces the effort required by financial institutions for reconfirming application information and periodic monitoring. It streamlines all operations, from screening, identity verification, and anti-social force checks, to credit reviews, collection, and repayment processing.

**2. "Data Aggregation" and "Automatic Financial Statement Analysis" to Resolve Screening Bottlenecks (Scheduled for Release: August 2026)**

* **Data Aggregation**
External data from credit investigation agencies, designated credit information agencies, and corporate registry information are automatically acquired via external APIs. Additionally, AI agents perform web searches using the representative director's name and corporate name to automatically detect negative information such as scandals or lawsuits. All this information is displayed collectively on the screening dashboard with the corporate identification number as the key, significantly reducing the man-hours required for information gathering.
* **Automatic Financial Statement Analysis**
AI reads financial statements and related documents to extract key information such as sales, profits, and borrowing status. In addition, submitted...