Accounts Receivable Guarantee Service "URIHO" Expands to New Customer Segments, Launching Entry Model "URIHOmini" and Credit Assessment Service "BizCheck"

Raccoon Financial Inc. (Headquarters: Chuo-ku, Tokyo; President and CEO: Yuji Akiyama) is launching two new services as part of its new business strategy for its accounts receivable guarantee service "URIHO (Uliho)": "URIHOmini (Uliho mini)," an entry-level model primarily targeting small and medium-sized enterprises with annual sales of 100 million yen or less, and "BizCheck (Bizcheck)," a service specializing in credit assessment.

■ Background and Objectives

Against the backdrop of recent economic uncertainty, the risk of uncollected accounts receivable due to supplier bankruptcies or payment delays is increasing. While measures are needed to prevent supplier financial distress from leading to a company's own financial difficulties or chain bankruptcies, awareness of the fact that "accounts receivable can be guaranteed" is still insufficient, and many SMEs have not introduced credit management or accounts receivable guarantee mechanisms.

Raccoon Financial's "URIHO," the industry's first subscription-based accounts receivable guarantee service, has exceeded 50 billion yen in outstanding guarantees and has contributed to risk reduction for over 3,000 adopting SMEs. The company has now launched new services with the aim of creating an environment where a wider range of users can easily utilize accounts receivable guarantees.

■ About URIHOmini

URIHOmini is an accounts receivable guarantee service for corporations and sole proprietors with annual sales of 100 million yen or less. It pays the transaction amount on behalf of the client if the counterparty fails to pay. By limiting the scope of guarantee to the bankruptcy of the business partner, a simple design is achieved, guaranteeing up to 3 million yen per company for a fixed monthly fee of 4,980 yen.

【Service Features】

Entry model primarily targeting corporations and sole proprietors with annual sales of 100 million yen or less

No prior screening of business partners required. Guarantee begins simply by registering business partner information

Guarantee scope limited to the bankruptcy of the business partner (※ Plans are also available for those who wish to cover payment delays in addition to bankruptcy)

Fixed monthly fee of 4,980 yen. No limit on the number of registered business partners. Covers accounts receivable of up to 3 million yen per company

【Service Introduction URL】https://uriho.jp/web/lp/lp_uriho_mini_01/

■ About BizCheck

BizCheck is a corporate credit assessment service developed to meet the corporate need to utilize credit assessment functions without requiring accounts receivable guarantees. Leveraging a real database and AI, built upon over 1 million actual payment records and accident data accumulated through Raccoon Financial's accounts receivable guarantee and payment businesses, it assesses business partners for anti-social forces, transaction safety, and recommended transaction amounts in as little as one day. Following a period of test sales, full-scale sales are scheduled to begin in August 2026.

【Service Features】

Assessments for "anti-social forces check, transaction safety, and recommended transaction amount" in minutes simply by entering business partner information

Utilizes AI for collecting and assessing web reputation

Low fees ranging from 333 to 800 yen per business partner (pay-per-use or fixed-rate plans available)

High-precision assessments possible even for partners with limited information, based on our unique extensive data on micro and small enterprises

Supports bulk registration via CSV and can be used for regular monitoring of existing business partners

【Service Introduction URL】https://uriho.jp/contents/bizcheck

■ URIHO's New Business Strategy

Raccoon Financial anticipates increased recognition of accounts receivable guarantees and the acquisition of new customer segments through the deployment of two services: "URIHO mini," with an entry-level design that is easy for small businesses to use, and "BizCheck," specialized for credit assessment needs.

Moving forward, the company will continue to expand its service lineup to meet diverse needs as an infrastructure supporting corporate transactions, contributing to the growth of more SMEs and the realization of stable transaction environments.

■ Reference

URIHO (Uliho) https://uriho.jp

A subscription-based accounts receivable guarantee service primarily for SMEs. If payment is not received due to the business partner's worsening financial condition or bankruptcy, URIHO will pay the transaction amount on their behalf. The service automates the entire process from application to credit assessment and guarantee claims, realizing the industry's first "fixed-rate, unlimited guarantee*." Monthly fees are available in three tiers: 9,800 yen, 29,800 yen, and 99,800 yen.

*The guarantee amount is capped according to the plan. Guarantees can be made for any number of companies within that limit.

■ Reference
Raccoon Financial Inc. https://www.raccoon.ne.jp/financial/

Representative: Yuji Akiyama, President and CEO
Location: 1-14-14 Nihonbashi Kakigaracho, Chuo-ku, Tokyo
Established: October 2010
Capital: 490,000,000 yen
Shareholder: Raccoon Holdings, Inc. 100%
Listed on Tokyo Stock Exchange Prime Market, Securities Code 3031

■ Inquiries Regarding Services
URIHO Support Desk
TEL: 03-6774-7416

■ Inquiries Regarding This Matter
Raccoon Holdings, Inc.
Public Relations: Okubo
MAIL: pr@raccoon.ne.jp