New Collateral System: Two Weeks Until Enforcement. Three Practical Challenges for Financial Institutions Posed by Enterprise Value Collateral Rights
TRUSTART Inc. announced the launch of a new feature to address the 'Enterprise Value Collateral Rights' system, which will come into effect on May 25, 2026. This system presents three practical challenges for financial institutions: understanding other banks' activities, missing early approach opportunities for promising companies, and undeveloped monitoring systems for registration information. TRUSTART will leverage its registration data expertise to help solve these issues.
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- 📰 Published: May 11, 2026 at 23:00
- 🔍 Collected: May 11, 2026 at 14:31
- 🤖 AI Analyzed: May 11, 2026 at 15:21 (49 min after Collected)
TRUSTART Inc. (Headquarters: Chuo-ku, Tokyo; Representative Director: Yojiro Oe; hereinafter 'TRUSTART') announces the launch of a new feature to address the 'Enterprise Value Collateral Rights' system, which will come into effect on May 25, 2026, based on the insights gained from database-ing real estate and corporate registration information. Concurrently, the company will release its views on the practical challenges posed to financial institutions and how to address them using registration data.
**What is the 'Enterprise Value Collateral Rights' System?**
On May 25, 2026, the Enterprise Value Collateral Rights system, based on the Act on Promotion of Business Loans, will be enforced. This is a new collateral system that uses the entire business value of a company as collateral, rather than individual assets such as real estate (*).
The Enterprise Value Collateral Rights system aims to facilitate smooth financing for small and growing businesses. While it enables financial institutions to offer new loan schemes, it also requires the establishment of monitoring systems different from traditional real estate collateral management.
*Financial Services Agency 'About Enterprise Value Collateral Rights (formerly Business Growth Collateral Rights)':*
*https://www.fsa.go.jp/policy/kigyoukachi-tanpo/index.html*
**Three Practical Challenges Faced by Financial Institutions**
Based on feedback gathered through information exchange with financial institutions, the following challenges have emerged:
**Challenge 1: Inability to grasp other banks' movements in real-time**
Enterprise Value Collateral Rights are registered as commercial registrations, but there is no means to ascertain when other banks have established such rights for a client or potential borrower. This information asymmetry creates a risk of difficulty in making strategic sales decisions.
**Challenge 2: Missing opportunities for early approach to promising companies**
Immediately after the system's introduction, there will be a scarcity of criteria and data to identify promising companies for Enterprise Value Collateral Rights. While financial institutions that establish systems early can secure excellent companies not yet covered, those that delay risk losing business opportunities.
**Challenge 3: Undeveloped continuous monitoring system for registration information**
Without a mechanism to continuously track the establishment, changes, and cancellation of Enterprise Value Collateral Rights, credit management may be hindered. Building an in-house system requires considerable cost and time, necessitating an early response.
**'Registration Data' as a Solution to the Three Challenges**
Since Enterprise Value Collateral Rights are registered as commercial registrations, continuously collecting and monitoring registration information is a direct solution to the three challenges. Our company independently collects and databases 'Commercial Registration Acceptance Books' published by legal affairs bureaus nationwide and will commence detection support (Enterprise Value Collateral Monitoring Function) simultaneously with the enforcement of the Enterprise Value Collateral Rights registration. Details will be announced separately.
**About the Corporate/Real Estate Big Data Platform 'R.E.DATA'**
TRUSTART provides 'R.E.DATA,' a platform that timely collects diverse real estate and corporate big data from across Japan, enabling direct approaches to new prospects, profiling corporations and individuals, and improving the efficiency of daily operations.
'R.E.DATA' is a platform that independently collects and databases analog real estate and corporate information that exists only at government offices and local sites, not on the internet. Real estate data and corporate registration data can be used individually or combined, supporting direct approaches to new prospects, profiling corporations and individuals, and improving the efficiency of daily operations. It is widely used in various industries such as real estate, finance, M&A, consulting, and legal/tax professions.
**What is the 'Enterprise Value Collateral Rights' System?**
On May 25, 2026, the Enterprise Value Collateral Rights system, based on the Act on Promotion of Business Loans, will be enforced. This is a new collateral system that uses the entire business value of a company as collateral, rather than individual assets such as real estate (*).
The Enterprise Value Collateral Rights system aims to facilitate smooth financing for small and growing businesses. While it enables financial institutions to offer new loan schemes, it also requires the establishment of monitoring systems different from traditional real estate collateral management.
*Financial Services Agency 'About Enterprise Value Collateral Rights (formerly Business Growth Collateral Rights)':*
*https://www.fsa.go.jp/policy/kigyoukachi-tanpo/index.html*
**Three Practical Challenges Faced by Financial Institutions**
Based on feedback gathered through information exchange with financial institutions, the following challenges have emerged:
**Challenge 1: Inability to grasp other banks' movements in real-time**
Enterprise Value Collateral Rights are registered as commercial registrations, but there is no means to ascertain when other banks have established such rights for a client or potential borrower. This information asymmetry creates a risk of difficulty in making strategic sales decisions.
**Challenge 2: Missing opportunities for early approach to promising companies**
Immediately after the system's introduction, there will be a scarcity of criteria and data to identify promising companies for Enterprise Value Collateral Rights. While financial institutions that establish systems early can secure excellent companies not yet covered, those that delay risk losing business opportunities.
**Challenge 3: Undeveloped continuous monitoring system for registration information**
Without a mechanism to continuously track the establishment, changes, and cancellation of Enterprise Value Collateral Rights, credit management may be hindered. Building an in-house system requires considerable cost and time, necessitating an early response.
**'Registration Data' as a Solution to the Three Challenges**
Since Enterprise Value Collateral Rights are registered as commercial registrations, continuously collecting and monitoring registration information is a direct solution to the three challenges. Our company independently collects and databases 'Commercial Registration Acceptance Books' published by legal affairs bureaus nationwide and will commence detection support (Enterprise Value Collateral Monitoring Function) simultaneously with the enforcement of the Enterprise Value Collateral Rights registration. Details will be announced separately.
**About the Corporate/Real Estate Big Data Platform 'R.E.DATA'**
TRUSTART provides 'R.E.DATA,' a platform that timely collects diverse real estate and corporate big data from across Japan, enabling direct approaches to new prospects, profiling corporations and individuals, and improving the efficiency of daily operations.
'R.E.DATA' is a platform that independently collects and databases analog real estate and corporate information that exists only at government offices and local sites, not on the internet. Real estate data and corporate registration data can be used individually or combined, supporting direct approaches to new prospects, profiling corporations and individuals, and improving the efficiency of daily operations. It is widely used in various industries such as real estate, finance, M&A, consulting, and legal/tax professions.