50% of Small and Medium-Sized Enterprises Consider Financing Due to Long Payment Terms for Accounts Receivable | Survey of 22 Factoring Users Reveals Company Status

Mynavi Bridge Co., Ltd. (Location: Minato-ku, Tokyo; Representative: Yasushi Shoji) conducted a survey on "Cash Flow and Financing" targeting 22 small and medium-sized enterprises (SMEs) that use factoring.

The survey revealed that the most common reason for considering financing was "long payment terms (payment receipt terms) from accounts receivable" (50.0%), with the primary objective being to secure working capital for labor costs, outsourcing fees, and inventory purchases. Furthermore, 86.4% of user companies achieved cash conversion within 6 days of their inquiry, highlighting the need for rapid response to cash flow issues.

This release introduces a portion of the survey results.

Survey Results Summary

Approximately 86% of respondent companies are small businesses with 20 or fewer employees (primarily B2B industries such as construction, IT, and wholesale).

The most frequent reason for considering financing was "long payment terms from accounts receivable" (50.0%).

"Two-party factoring" accounted for 86.4% of the types of factoring used.

The most common amount per transaction was "1.01 to 5 million yen" (36.4%).

Over 40% of cases took "1-2 days" for payment, and over 80% (86.4%) were within "6 days."

The most common concern before use was "possibility of accounts receivable being notified" (50.0%), while overall satisfaction after use exceeded 90%.

90.9% responded that they "would use it again if needed."

Reasons for Considering Financing

The most common response for reasons to consider financing (multiple answers allowed) was "long payment terms from accounts receivable" (50.0%), followed by "increased advances (new projects)" (40.9%), "sudden payments (salary, outsourcing fees, etc.)" (36.4%), and "bank loans were not in time or were rejected" (36.4%).

SMEs often face long payment receipt terms for accounts receivable, leading to a shortage of available funds even when sales are recorded. This survey also found that many companies consider financing to secure working capital for outsourcing fees (59.1%) and labor costs, inventory purchases, and taxes (each 45.5%).

Time to Financing

Regarding the time taken from inquiry to payment, 86.4% of companies completed their financing within one week, with "3-6 days" (45.5%) and "1-2 days" (40.9%) combined.

While bank loans can take several weeks from screening to disbursement, this indicates that factoring is being utilized as a rapid financing method.

Satisfaction After Use

Although many companies had concerns before use, such as "possibility of accounts receivable being notified" (50.0%) and "high or unclear fees" (45.5%), overall satisfaction after use exceeded 90%, with "very satisfied" (59.1%) and "somewhat satisfied" (31.8%) combined.

By category, all companies responded "satisfied" regarding "staff and support system" and "sense of security and reliability." "Speed and certainty of payment" also received satisfaction from 95.5%. Furthermore, 90.9% of companies responded that they "would use it again if needed," revealing a gap between pre-use concerns and post-use evaluation.

Future Initiatives

Based on these survey results, Mynavi Bridge Co., Ltd. will continue to strengthen its support for resolving the cash flow challenges of SMEs.

We will work to create an environment where businesses can operate with peace of mind by providing information and expanding services related to financing.

Survey Overview

Survey Content: Survey on the actual conditions of cash flow and financing for SMEs

Survey Period: February 3-25, 2026

Survey Target: Factoring user companies

Number of Responses: 22 companies

Survey Method: Internet survey

Full Version of Survey Results Here

The detailed report of this survey's results (all graphs and analysis) is available on the following page.

▼Detailed Report https://mynavibridge.jp/media/factoring/factoring-survey-2026/

When quoting or reprinting the content, graphs, or data in this release, please be sure to cite the following link as the source.

Source: https://mynavibridge.jp/media/factoring/factoring-survey-2026/

(Example of citation method) "According to a survey on cash flow and financing by Mynavi Bridge Co., Ltd."

Company Profile

Name: Mynavi Bridge Co., Ltd.

Representative: President and CEO Yasushi Shoji

Head Office Location: Avan Minami Aoyama 1F, 5-14-7 Minami Aoyama, Minato-ku, Tokyo

Established: April 1, 2019

Capital: 35 million yen

Principal Shareholder: Mynavi Corporation

Business Activities: Accounts receivable secured loans, factoring, real estate secured loans, outsourcing services, etc.

URL: https://corp.mynavibridge.jp/

As a group company of Mynavi Corporation, we offer diverse finance services including factoring, accounts receivable secured loans, and real estate secured loans.

Our mission is to "Be a Bridge to All Businesses."

We will contribute to the sustainable development of all businesses, centered on small and medium-sized corporations, by providing financing methods that support their growth.

<Contact Information for Inquiries>

Mynavi Bridge Co., Ltd. Management Planning Department (TEL: 03-6805-1851)