FundBridge, a factoring comparison site, Releases Industry Chaos Map 2026 Edition In-depth survey of 165 domestic companies

FundBridge, a factoring comparison site operated by dotcircle, has released the "Factoring Industry Chaos Map 2026," an independent survey of 165 domestic companies, visualizing the entire industry in anticipation of the abolition of promissory notes at the end of March 2027.

Factoring Industry Chaos Map 2026

Background of the release

FundBridge, a factoring comparison website ( https://fundbridge.jp/ ), released the "Factoring Industry Chaos Map 2026 Edition" on February 12, 2026, based on its own survey of 165 factoring companies in Japan.

In anticipation of the abolition of promissory notes at the end of March 2027, demand for early funding of accounts receivable is rapidly increasing. On the other hand, the number of factoring companies is increasing every year, and many companies have voiced that they do not know which company to choose.

This chaos map was created to help small and medium-sized business owners and sole proprietors find the best factoring company for their company.

Outline of Chaos Map

Number of companies listed: 165

Commission range: 0.25% to 20% per month

Minimum deposit time ： 5 minutes

Shortest deposit time ： 5 minutes ・At the time of the survey ： As of February 2026, according to FundBridge research

Six key findings from the survey

The survey revealed the following data on the current state of the factoring industry.

The percentage of companies that support factoring between two companies is 73.9% (122 companies).

The majority of companies are using a form of factoring that can be used without the knowledge of the accounts receivable company.

Three-company support rate: 62.4% (103 companies)

The demand for this service is high for those who want to reduce fees.

Online completion rate: 41.2% (68 companies)

More than 40% of the respondents can complete their loans online without coming to a branch.

The percentage of customers who use the service for sole proprietors is 47.3% (78 companies).

About half of the companies support sole proprietors and freelancers.

AI screening rate: 8.5% (14 companies)

Although still less than 10%, the rate is rapidly increasing, including the shortest payment time of 10 minutes.

Medical reimbursement response rate: 24.8% (41 companies)

The company offers a full range of specialized services, and commissions are the lowest in the industry, ranging from 0.25% to 0.25% per month.

Main Listed Categories

Factoring between 2 companies

Three-company factoring

Factoring between 2 companies ・Factoring between 3 companies

Factoring for sole proprietors and freelancers

Factoring for the construction industry

Medical fee and nursing care factoring

Order factoring

Bulk quotation sites

*Each company is duplicated in multiple categories.

*The article page also includes more detailed categories such as online completion, by medical/nursing care and dispensing fees, etc.

Key Points to Watch in 2026

1. AI screening will not be fully adopted in the near future.

Although only 14 of 165 companies (8.5%) support AI screening, they are able to make deposits in as little as 10 to 30 minutes; OLTA, PayToner, and PayToday are representative of such services.

2. About half of the respondents are sole proprietors.

78 companies (47.3%) support sole proprietors and freelancers. Freelance-specific services such as PayTner and labol are also increasing.

3. Lowest commissions for medical reimbursement services

Since the accounts receivable are from the National Health Insurance Federation and Company Health Insurance, the risk of uncollected payments is low, and commissions are the lowest in the industry, ranging from 0.25% per month.

4. 5-minute deposit speed

At-Line Factoring offers 5-minute deposit service, and there are more than 10 companies that offer 30-minute service.

Chaos map page

https://fundbridge.jp/media/chaosmap2026/

The Chaos Map image can be downloaded (PNG/PDF) and detailed data on all 165 companies is available on the above page.

About Quotation and Reproduction

This Chaos Map may be freely used under the following conditions.

The "Source: FundBridge, a factoring comparison site" is clearly indicated.

A link to the survey article (https://fundbridge.jp/media/chaosmap2026/) is provided.

About FundBridge

Site name: FundBridge

URL ： https://fundbridge.jp/

Business description: Comparison of factoring companies and provision of information

Features: Compares factoring companies' fees, payment speed, reviews, etc. from a neutral, third-party standpoint.

　　　　　 The site has a database of more than 100 companies.