Act Will Review 2026: Interest Rates, Screening, and Funding for Corporations

Verification Status: This article is an explanation based on publicly available information (no actual usage or trading by the editorial team).

The thrill of receiving an order was short-lived for President Tanaka (a pseudonym), who runs a manufacturing business. He needed 5 million yen in working capital for a large-scale project. He approached his main bank for a loan, but was turned away due to past losses. With the delivery deadline fast approaching, he risked missing out on a valuable business opportunity. Then, a business partner mentioned that "non-bank lenders can provide same-day funding for corporations." Grasping at straws, he began researching "Act Will."

Conclusion: Act Will is a business loan best suited for corporations that need fast funding and flexible screening, which can be difficult to obtain from banks. It offers up to 100 million yen with same-day approval possible, and a variety of collateral options allow for financing tailored to the actual business situation. However, sole proprietors are not eligible, and the effective annual interest rate is relatively high at 10.0%–20.0%, making it suitable for short-term bridge financing or urgent needs.

When Banks Can't Help with Urgent Funding... The Option Business Owners Chose

Image source: actwill.co.jp (Official Website) — Citation for review identification

Many business owners of small and medium-sized enterprises have faced the "bank loan wall" at least once, and President Tanaka was no exception. When performance temporarily declines, additional financing from the main bank suddenly becomes difficult. But business opportunities don't wait. Act Will is a non-bank business loan designed for companies that struggle to get bank financing or need urgent working capital and bridge funding.

Its biggest feature is that it is exclusively for corporations. It primarily targets companies with annual revenue of ¥50 million or more, and sole proprietors or freelancers cannot use it. In return, it conducts screening based on the actual business status of the company, achieving a response within as little as 60 minutes and same-day funding. It truly shines in cases like President Tanaka's, where waiting weeks for a bank is not an option.

Act Will’s Strengths: How Loans of Up to ¥100 Million Are Approved the Same Day

I saw a glimmer of hope when I learned about Act Will’s product lineup and speed. The company offers a wide range of financing options, from unsecured credit guarantee loans and real estate-backed loans to bill discounting. Below is a summary of each product.

What stands out most is the fastest same-day screening and funding. According to the official website, the process from application to screening response is remarkably quick. After submitting the required documents, funds can be transferred to your account or delivered in cash by a representative on the same day—all without the need to visit an office.

Another highlight is the 30-day interest-free period (conditions apply) offered as a new customer campaign. This allows you to use the loan as short-term bridge financing while keeping interest costs to a minimum.

For the latest campaign terms and to check your loan eligibility risk-free, visit the Act Will official website. Why not start with a free preliminary assessment?

Honest Reviews from Users: High Marks for Loan Speed and Attentive Service

The company president, Tanaka, carefully researched the actual experiences of business owners who had used the service. By cross-referencing multiple business loan comparison sites and user reviews, a clear picture emerged: the overwhelming majority of feedback praised the speed of service and the attentiveness of the support staff.

"The response was fast and courteous. Thank you very much." (Business loan information site)

"I needed a lump sum of working capital, so I applied for a 5 million yen credit guarantee loan. The representative came directly to my office and listened to me in person, which gave me a great sense of reassurance." (Loan comparison site)

However, a certain number of criticisms also existed, such as:

"I couldn't apply because sole proprietors without corporate registration are not eligible." (Same site)

"Even though our company's annual sales aren't that large, they still thoroughly reviewed our application and provided the loan. What really helped was that they proposed a loan plan using my car as collateral." (Same site)

When organizing the overall trend of the reviews, the following advantages and disadvantages emerged.

Main Advantages

• Extremely fast loan processing, with funding possible as early as the same day
• Attentive support staff, with in-person consultations available
• A wide variety of collateral options to choose a loan that fits your business
• Easy to consult even for corporations with a deficit or excess debt, which would be difficult at a bank

Main Disadvantages

• Corporate-only, so sole proprietors and freelancers cannot use the service
• Annual interest rates are relatively high, ranging from 10.0% to 20.0%
• Corporations with annual sales under 50 million yen may find it difficult to pass screening
• Received an administrative disposition in 2023 (related to personnel allocation issues)

As a supplement regarding the administrative disposition, this was not related to illegal interest rates or harsh debt collection, but rather a corrective guidance concerning personnel allocation. The company's registration as a moneylender (Tokyo Governor Registration No. (4) 31521) remains valid, and it is also a member of the Japan Consumer Finance Association. Based on this information, President Tanaka viewed the company positively, concluding that "it is well worth considering for my own company as well."

Thorough Comparison with Banks and Other Non-Banks: Where Act Will Shines

President Tanaka also made sure to compare Act Will with other options. Here is how it stacks up against banks and two major non-bank competitors.

What this comparison reveals is that Act Will stands out as the best option for corporations that need both speed and flexible collateral options. AG Business Support offers attractive low interest rates, but its loan ceiling is only 10 million yen. HT Finance competes on high loan amounts, but Act Will has the edge when it comes to a wider variety of collateral options. Bank loans are overwhelmingly advantageous in terms of interest rates, but the screening process takes time, and in practice, it is often difficult for companies with a deficit to qualify.

For President Tanaka’s specific situation—a corporation needing urgent working capital of 5 million yen—Act Will was the best fit. The realistic approach is to choose based on your needs: AG for sole proprietors, HT for large unsecured loans, and Act Will for corporations that prioritize speed. With a free screening, you can check whether the terms suit your company before actually applying.

From Application to Funding: The 60-Minute Screening Process in Practice

After simulating the application process, President Tanaka was amazed by its simplicity. The steps for using Act Will are as follows:

1. Apply via the official website or chatbot (available 24/7)
   First, enter basic information and request a preliminary assessment. No visit is required, and the process can be completed from a smartphone.

2. Quick screening (as fast as 60 minutes)
   A speedy screening is conducted based on the information entered. At this stage, loan eligibility and preliminary terms are provided, saving unnecessary effort.

3. Notification of screening results and submission of required documents
   Screening results are communicated by the evening of the same day. After passing, submit required documents such as financial statements and commercial register certificates via fax or mail.

4. Contract signing and loan disbursement
   Once the contract is finalized, funds can be received via transfer to a designated account or directly delivered by a representative. This also includes the option for same-day disbursement in the shortest timeframe.

However, "same-day disbursement" may vary depending on the screening status and the timing of document submission. It is important to understand in advance that same-day execution is not guaranteed. Still, compared to the weeks required by bank loans, this is overwhelmingly faster. President Tanaka was convinced that "this will meet the order deadline" and firmly decided to click the apply button.

What Act Will Is Really Like: What to Check Before Applying

Just before applying, President Tanaka had to confirm several fundamental concerns. Here, we organize the questions many business owners have and the actual reality behind them.

A legitimate moneylender, not a loan shark Act Will is a registered legitimate moneylender under the Tokyo Governor's registration (Registration No.: Tokyo Governor (4) No. 31521) and is a member of the Japan Consumer Credit Association. Its interest rates fall within the limits of the Interest Rate Restriction Law, and it is not an illegal operator.

Screening is not lenient; it comprehensively evaluates business viability Although more flexible than banks, the screening process is not lenient. It assesses not only financial statement figures but also the future potential of the business and repayment ability from multiple angles. This is why even businesses with deficit financial statements can still consult.

Sole proprietors cannot apply, though some products are exceptions In principle, this service is for corporations only. Sole proprietors and freelancers cannot apply. However, some products, such as real estate-secured loans, may allow individuals to consult. Check the details on the official website.

Same-day funding is possible but not guaranteed While the fastest funding can be executed on the same day, it may be delayed to the next day or later depending on screening status or document deficiencies. Note that this is only the "fastest possible" timeline.

The 2023 administrative penalty was related to personnel allocation Although the company received an administrative penalty in the past, it concerned personnel allocation issues and was unrelated to illegal interest rates or unlawful debt collection. The company continues to operate properly.

In Conclusion: Act Will Is Recommended for These Types of Companies

As in President Tanaka's case, Act Will truly shines for "companies that need a lump sum of funds right now." Specifically, it is suitable for the following types of businesses:

• Companies that urgently need working capital due to sudden large orders or purchases
• Companies that have been rejected for bank loans or cannot afford to wait through a lengthy screening process
• Companies that want to secure a large loan by leveraging assets such as real estate or promissory notes
• Companies with annual sales of 50 million yen or more and a solid business track record as a legal entity

Conversely, in the following cases, you may want to consider other options:

• Sole proprietors or freelancers (no corporate status)
• Those with annual sales under 50 million yen seeking unsecured small loans
• Those who prioritize low interest rates above all and are willing to take the time to go through bank loan procedures

A business loan is a form of "borrowing" with repayment obligations, and the screening results and interest rates are determined individually based on the applicant company's circumstances. It is not something that "everyone gets approved for" or "you can definitely borrow." However, with a free preliminary screening, you can check your company's loan eligibility without any risk. President Tanaka also first explored the possibilities through a free screening, paving the way to securing orders. Why not take that same first step for your company?

• The information in this article is current as of July 2026. Interest rates and loan terms are subject to change, so please check the official website for the latest details. A business loan is a borrowing with repayment obligations. Screening results and interest rates are determined on a case-by-case basis, and approval is not guaranteed. Please use it responsibly.

Methodology and Disclosure

Verification Method: This article is based on publicly available information as of 2026-07-29. The editorial team has not personally subscribed to or used the services mentioned. This content is an explanation based on publicly available information (official websites, third-party reviews, and user feedback). Service details, fees, and promotions are subject to change, so please check the official information before applying.

Publisher Information: The editorial policy and evaluation criteria for this article are described in the Editorial Policy, and the verification procedures are outlined in the Evaluation Methodology. If you find any errors, please report them to our contact desk.

Affiliate Disclosure: This article contains affiliate links, and our site may receive compensation at no additional cost to the reader. Compensation does not affect the content of our evaluations.

Frequently Asked Questions

Is Act Will a loan shark?

No, Act Will is not a loan shark. It is a licensed moneylender registered with the Tokyo Metropolitan Government (registration number (4) No. 31521) and a member of the Japan Consumer Finance Association. It operates legally under the Money Lending Business Act, with no illegal high interest rates or harsh debt collection practices.

Is the screening process lenient?

The screening is more flexible than bank loans but not lenient. Companies with deficits or negative net worth may still apply, but a minimum annual revenue of 50 million yen is generally required. The evaluation focuses on business viability. Sole proprietors are not eligible.

Can sole proprietors use this service?

No, Act Will is exclusively for corporations. Sole proprietors and freelancers cannot apply. User reviews also note that unincorporated self-employed individuals are not accepted.

Is same-day funding really possible?

Yes, same-day funding is possible with a minimum screening response time of 60 minutes. After submitting required documents, funds can be transferred to a designated account or delivered in cash by a representative. The process is entirely online, nationwide, and requires no in-person visit.

Has Act Will ever received administrative penalties?

In 2023, Act Will received an administrative corrective guidance for staffing-related issues. This did not involve illegal interest rates or harsh collection practices. Its moneylending registration remains valid, and it continues to be a member of the Japan Consumer Finance Association.

Are the interest rates high?

The effective annual interest rate ranges from 10.0% to 20.0% depending on the product, which is higher than bank loans. However, a new customer campaign offers 30 days interest-free (conditions apply), making it suitable for short-term bridge financing to reduce interest costs.

What documents are required?

The article does not specify required documents, but typical corporate loan applications require a corporate registry, financial statements, and identification of the representative. Please check the official website for details.

What is the repayment period?

The article does not specify repayment periods. Terms vary by loan product and amount. Please contact the official website or a representative directly for details.

Sources

This article is based on publicly available information as of 2026-07-29.

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