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Loan
Our Group’s Loan Business is the core earnings driver of the Group, covering both the consumer and business loan segments. As the largest contributor to Group operating revenue, the business has achieved sustained balance growth by leveraging more than 50 years of expertise in credit assessment and collections. By maintaining a balanced presence in both segments, we combine stability with growth potential in our earnings portfolio. In addition, through in-house system development and the integration and streamlining of administrative operations, we have built a strong business foundation that is resilient to external changes while enhancing competitiveness and scalability across the Group.
As of FY2026/3
Strengths of the loan business
1. Over 50 years of credit assessment and collection expertise since founding
2. Cost reduction and streamlining (consolidating nationwide customer service operations at in-house call center)
3. In-house engineers and IT development for UI/UX improvement
Consumer Loans
Centered on AIFUL CORPORATION, a core subsidiary of the Group, this is our flagship business providing unsecured loans without guarantors to individual customers. Targeting customers with stable income, we offer rapid financing (as fast as 18 minutes) and a seamless smartphone-based process, driving steady growth in loan balances. Interest income from this business is a major source of Group earnings.
More than 90% of applications are now submitted online, and customers can complete the entire process remotely through to contract execution. Through in-house IT development, we have shortened funding lead times, enhanced operational efficiency, and built a scalable platform capable of meeting growing demand. Going forward, we will continue to strengthen our competitiveness through digital technologies and data utilization.
Small Business Loans
Through our subsidiary AG BUSINESS SUPPORT CORPORATION, we provide unsecured business loans to small and medium-sized enterprises and sole proprietors. As an independent non-bank lender addressing the urgent funding needs of small businesses, we have built a fully online lending model.
Leveraging years of expertise in credit assessment and streamlined screening operations, we deliver rapid credit decisions and funding while maintaining operational efficiency. Our Group holds a leading market position in this business area, making this business an important driver of Group growth.
Secured Loans
Real Estate Secured Loans
Primarily operated by AG BUSINESS SUPPORT CORPORATION, this business provides secured financing backed by real estate collateral to meet large-scale and long-term funding needs. It complements unsecured loans within the Group’s business finance portfolio, with loan balances continuing to grow steadily. By reducing credit risk through collateral while enabling larger loan amounts and longer maturities, the business contributes to both earnings growth and portfolio stability.
It also enhances the overall asset quality of the Loan Business and supports the Group’s financial soundness.
Medical Fee Receivable Secured Loans
Offered by AG MEDICAL CORPORATION, this business provides short-term financing to healthcare providers, nursing care operators, and pharmacies using medical fee receivables as collateral. Customers can obtain funding equivalent to up to four months of receivables. By helping bridge reimbursement timing gaps and secure working capital, the business plays an important social role in supporting the healthcare and nursing care sectors. Supported by stable repayment sources under Japan’s public health insurance system, it offers low-default-risk and highly stable lending opportunities.
Loan balances continue to grow steadily, and we will further expand lending opportunities in the healthcare and nursing care fields while enhancing the Group’s business portfolio.
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Channels
Smartphone Application
Recognizing smartphones as a critical customer touchpoint, AIFUL relaunched its mobile application in May 2018.
To enhance convenience, the entire process from application to contract can be completed online. For security, biometric authentication is enabled, and cardless transactions are available at Seven Bank and Lawson Bank ATMs nationwide. Customers can also check their account status in real time.
Partner ATMs
AIFUL partners with nationwide convenience stores, banks, and other institutions to ensure easy access and customer convenience.
Contact Center
At the Shiga Contact Center, AIFUL has established an integrated operational structure that consolidates acceptance of web-based applications across the Group, product inquiries, customer repayment consultations, and various administrative tasks.
The Company has enhanced operational efficiency through the development of internal systems, including web application forms integrated via API with AIFUL’s credit-scoring system, as well as a proprietary customer-interaction management platform. In addition, the introduction of Amazon Connect and Salesforce Service Cloud further supports streamlined operations.
AIFUL continues to strengthen smartphone-based services and promote digital transformation (DX) to deliver highly convenient services that align with customer needs.
