[Survey] 57.7% of Factoring Users Respond 'Experienced Rejection in Screening' | Factoring Guide (Site Creation Inc.) Conducts User Survey
A survey by Factoring Guide (Site Creation Inc.) reveals that 57.7% of factoring users have experienced screening rejection, while 34.6% received same-day payments. The most common fee range is 5-10%. All users expressed willingness to use factoring again, indicating its establishment as a financing option.
📋 Article Processing Timeline
- 📰 Published: May 8, 2026 at 01:12
- 🔍 Collected: May 7, 2026 at 16:31
- 🤖 AI Analyzed: May 7, 2026 at 17:05 (33 min after Collected)
Site Creation Inc.'s Factoring Guide has released the results of a survey conducted among individuals with factoring experience, focusing on screening pass rates, fees, and payment speed.
**Background of the Survey**
In recent years, the use of factoring has been expanding as a means of fundraising for small and medium-sized enterprises (SMEs) and sole proprietors.
However, many users have anxieties such as 'Will I pass the screening?', 'Are the fees high?', and 'Is same-day payment really possible?'.
Against this backdrop, a survey was conducted on the actual experiences of factoring users.
**Survey Overview**
Survey Organizer: Site Creation Inc.
Survey Method: Questionnaire survey via crowdsourcing (CrowdWorks)
Survey Period: April 2026
Target Audience: Corporations and sole proprietors with factoring experience
Valid Responses: 100 participants
**Survey Results**
**57.7% of Factoring Users Respond 'Experienced Rejection in Screening'**
When asked, 'Have you ever experienced rejection in factoring screening?', 57.7% of experienced users responded 'Yes'.
While factoring is known as a relatively flexible financing method with less stringent screening, it was found that a certain number of cases do not pass screening depending on the creditworthiness of the account debtor and the content of submitted documents.
**Approximately 34.6% Experienced 'Same-Day Payment'**
When asked, 'How long did it take until you received payment?', 34.6% of experienced users responded 'Same-day (today)'.
On the other hand, more than 30% of users responded 'It took 2-3 days or more', indicating differences among services.
**Fees: '5% or more to less than 10%' Was the Most Common**
When asked, 'How much was the fee for your usage?', '5% or more to less than 10%' was the most common response.
However, some users also responded '20% or more', revealing that fees vary depending on contract details and service models.
**100% of Experienced Users Responded 'Want to Use Again' or 'Want to Use Depending on Conditions'**
When asked, 'Do you want to use factoring again in the future?', 100% of experienced users responded 'Want to use' or 'Want to use depending on conditions'.
While the speed of fundraising was highly evaluated, opinions emphasizing fees and contract terms were also observed.
**User Comments (Excerpt)**
'It was helpful to raise funds on the same day.'
'They responded faster than bank loans.'
'The fees were higher than I expected.'
'It was good that even sole proprietors could use it.'
**Summary**
This survey revealed that more than half of factoring users (57.7%) have experienced screening rejection, while approximately 30% (34.6%) have experienced same-day payment.
The most common fee range was '5% or more to less than 10%', and many voices praised the convenience of speed.
Furthermore, 100% of experienced users responded 'Want to use again' or 'Want to use depending on conditions', suggesting that factoring has become one of the important fundraising methods for SMEs and sole proprietors.
On the other hand, a certain number of concerns regarding screening and fees also exist, highlighting the importance of careful service selection and contract review.
**■ Site Overview**
Site Name: Factoring Guide
URL: https://sitecreation.co.jp/factoring/
**Background of the Survey**
In recent years, the use of factoring has been expanding as a means of fundraising for small and medium-sized enterprises (SMEs) and sole proprietors.
However, many users have anxieties such as 'Will I pass the screening?', 'Are the fees high?', and 'Is same-day payment really possible?'.
Against this backdrop, a survey was conducted on the actual experiences of factoring users.
**Survey Overview**
Survey Organizer: Site Creation Inc.
Survey Method: Questionnaire survey via crowdsourcing (CrowdWorks)
Survey Period: April 2026
Target Audience: Corporations and sole proprietors with factoring experience
Valid Responses: 100 participants
**Survey Results**
**57.7% of Factoring Users Respond 'Experienced Rejection in Screening'**
When asked, 'Have you ever experienced rejection in factoring screening?', 57.7% of experienced users responded 'Yes'.
While factoring is known as a relatively flexible financing method with less stringent screening, it was found that a certain number of cases do not pass screening depending on the creditworthiness of the account debtor and the content of submitted documents.
**Approximately 34.6% Experienced 'Same-Day Payment'**
When asked, 'How long did it take until you received payment?', 34.6% of experienced users responded 'Same-day (today)'.
On the other hand, more than 30% of users responded 'It took 2-3 days or more', indicating differences among services.
**Fees: '5% or more to less than 10%' Was the Most Common**
When asked, 'How much was the fee for your usage?', '5% or more to less than 10%' was the most common response.
However, some users also responded '20% or more', revealing that fees vary depending on contract details and service models.
**100% of Experienced Users Responded 'Want to Use Again' or 'Want to Use Depending on Conditions'**
When asked, 'Do you want to use factoring again in the future?', 100% of experienced users responded 'Want to use' or 'Want to use depending on conditions'.
While the speed of fundraising was highly evaluated, opinions emphasizing fees and contract terms were also observed.
**User Comments (Excerpt)**
'It was helpful to raise funds on the same day.'
'They responded faster than bank loans.'
'The fees were higher than I expected.'
'It was good that even sole proprietors could use it.'
**Summary**
This survey revealed that more than half of factoring users (57.7%) have experienced screening rejection, while approximately 30% (34.6%) have experienced same-day payment.
The most common fee range was '5% or more to less than 10%', and many voices praised the convenience of speed.
Furthermore, 100% of experienced users responded 'Want to use again' or 'Want to use depending on conditions', suggesting that factoring has become one of the important fundraising methods for SMEs and sole proprietors.
On the other hand, a certain number of concerns regarding screening and fees also exist, highlighting the importance of careful service selection and contract review.
**■ Site Overview**
Site Name: Factoring Guide
URL: https://sitecreation.co.jp/factoring/