Survey of 100 factoring users: 84% received payment on the same day, with over 80% satisfaction

FundBridge, a factoring comparison site operated by dotcircle, conducted a survey of 100 people who have actually used factoring services.

The following is a report of the results of the survey, which includes the real voices of users, such as payment speed, impressions of screening, satisfaction, and requests for improvement.

Eye Catch

■ Survey Summary

Survey targets ： Sole proprietors, corporate executives, freelancers, etc. who have used factoring services

Number of valid responses ： 100

Survey method ： Internet research (crowdsourcing)

Survey Period ： March 2026

Survey implementation ： FundBridge (https://fundbridge.jp)

Overall satisfaction: 80% of respondents answered "satisfied" or higher.

A total of 80% of respondents were satisfied with the service, including 22% who were "Very satisfied (★5)" and 58% who were "Satisfied (★4). There were no "Dissatisfied (★1)" responses.

★★★★★(Very satisfied) 22 (22.0%)

★★★★☆(Satisfied) 58 (58.0%)

14 (14.0%)

★★★☆☆☆(Somewhat dissatisfied) 6 (6.0%)

☆☆☆☆(Dissatisfied) 0 (0.0%) 2.

2. speed of deposit: 84% of respondents received their deposits on the same day.

84% achieved same-day deposits.

Of these, 44% responded "within 2 hours" and 10% responded "within 30 minutes.

Within 30 minutes 10 respondents (10.0%)

Within 1 hour 15 (15.0%)

Within 2 hours 19 (19.0%)

3-5 hours (on the same day) 35 (35.0%)

More than 6 hours but same-day payment 5 (5.0%)

Next business day 10 (10.0%)

More than 2 business days 6 (6.0%)

Impression of the screening process: About half of the respondents answered that it was "easy

The total of 47% of respondents (13% for "very easy" and 34% for "easy") did not feel that the screening process was burdensome.

The "strict" category was selected by only 14% of the respondents.

Very easy" 13 respondents (13.0%)

Easy" 34 (34.0%)

39 (39.0%) ・Fairly easy

Somewhat difficult 9 (9.0%)

It was tough 5 (5.0%) 4.

The deciding factors in choosing the bank: "Speed of payment" and "Online completion" were the top choices

The most common factor was "speed of payment" (31%), followed by "online completion" (27%).

Speed of payment 31 (31.0%)

Online completion 27 (27.0%)

Familiarity, reliability, and word-of-mouth 11 (11.0%)

Can be used by sole proprietors and freelancers 10 (10.0%)

I thought I would be approved 8 (8.0%)

Referrals from acquaintances or professionals 6 (6.0%)

Low fees 4 (4.0%)

Others 3 (3.0%)

User Attributes: Sole proprietors were the most frequent users, with about 30% in the construction industry.

The largest number of respondents (41%) were sole proprietors. Construction/construction" accounted for 32%, followed by "IT/web" at 21%.

Sole proprietor 41 (41.0%)

Corporate managers/officers 22 (22.0%)

Corporate accounting/finance staff 20 (20.0%)

Freelancers 17 (17.0%)

Industry (Top 5)

Construction/building 32 (32.0%)

IT/ Web/ System development 21 (21.0%)

Design/Creative 8 (8.0%)

Manufacturing 7 (7.0%)

Consulting/Professional 5 (5.0%)

6. amount of money spent: 90% of respondents spend less than 3 million yen

90% of the total respondents used loans of less than 3 million yen, indicating that these loans are used as a means of raising small amounts of funds.

Under 100,000 yen: 22 respondents (22.0%)

100,000-500,000 yen 21 (21.0%)

500,000-1,000,000 yen 17 (17.0%)

1 million to 3 million yen 30 (30.0%)

3-5 million yen 3 persons (3.0%)

5-10 million yen 4 (4.0%)

10 million yen or more: 3 (3.0%) 7.

7. intention to reuse: 79% are willing to reuse

The total of 79% were willing to reuse their loans, including 21% who "definitely want to use" and 58% who "will use depending on the conditions". Only 7% of the respondents answered that they "will not use it anymore.

21 respondents (21.0%) "definitely want to use" + 58% "will use under certain conditions

58 (58.0%) "Will use depending on conditions

Will compare with other companies before deciding 14 (14.0%)

Will not use it anymore 7 (7.0%)

Conclusion

From this survey, we found that factoring was highly rated in terms of "same-day payment," "simplicity of procedures," and "online completion. In particular, 84% of the respondents achieved same-day payment, making it a viable option for small and medium-sized enterprises and sole proprietors facing cash flow challenges.

On the other hand, free responses also indicated requests for improvement, such as "clearer breakdown of fees" and "insufficient advance notice of additional documents.

FundBridge will continue to contribute to the creation of an environment in which users can select the appropriate service by conducting surveys and disseminating information on factoring.

About Quotations and Reproductions

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/factoring-sameday-deposit-survey/) 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.

　　　　　 Database of more than 100 factoring companies