[2026] Act Will Business Loan Thorough Review: True Evaluation from Interest Rates, Screening, and Reviews

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

Facing a large order opportunity, but lacking the necessary equipment funds—. Mr. Tanaka (pseudonym), the president of a manufacturing corporation in Tokyo, was caught in a bind, scratching his head in distress. Last week, a major new project landed on his desk at his company, which has annual sales of approximately 80 million yen and 20 employees. However, to handle it, an equipment investment of 5 million yen was absolutely necessary. He immediately approached his main bank for additional financing, but the response was a heartless "difficult given current performance." With no clear funding plan, he risked missing out on this valuable business opportunity. Amid this anxiety, he heard from a business partner that "Act Will might be able to help even with a deficit in financial results." Grasping at straws, Mr. Tanaka began gathering information. Can he ultimately find a satisfactory answer? The editorial team conducted a thorough investigation of publicly available information to reveal its true capabilities.

Conclusion: Act Will is a strong option for corporations that struggle to secure bank loans, offering speedy and flexible screening for business funds. It provides unsecured, unguaranteed loans of up to 100 million yen, and by utilizing the 30-day interest-free campaign, initial burdens can be minimized. It is worth exploring your company's potential by first applying for a free screening.

A President's Decision Amid Cash Flow Struggles – The Encounter with Act Will

Image source: actwill.co.jp (Official website) — Quoted for identification of the review target

What President Tanaka faced was the "bank loan wall" that many small and medium-sized enterprise managers experience at least once. Business performance was not bad. In fact, inquiries were increasing to the point where new large orders were coming in. However, the temporary deterioration of the financial structure due to capital investments over the past few years had negatively impacted the bank's screening process.

"If this continues, I'll have no choice but to turn down these major projects." President Tanaka's anxiety had reached its peak. It was then that he heard the name "Act Will" from a fellow business owner at a client company. According to him, "Even if banks are out of the question, non-bank lenders offer options. In particular, Act Will is willing to consult even with companies reporting losses, and their speed is fast."

With a mix of skepticism and hope, President Tanaka began researching. What caught his eye were phrases like "same-day funding available," "up to 100 million yen," and "unsecured, no guarantor required." Fresh from being rejected by a bank, these terms appeared remarkably attractive. However, at the same time, concerns such as "Aren't the interest rates high?" and "Can I really trust them?" crossed his mind. President Tanaka decided to first explore the possibilities for his company by applying for a free screening. After gathering information, what became clear was the fact that Act Will is not merely a "substitute for banks" but a unique option specialized in corporate cash flow management.

What is Act Will? Basic Information and 8 Funding Options

Act Will is a non-bank specializing in business funds for corporations. It is a registered legitimate moneylender under the Tokyo Governor's registration (Registration No.: Tokyo Governor (4) No. 31521) and is also a member of the Japan Consumer Credit Association. Its greatest feature is that it offers as many as 8 types of funding options to meet the capital needs of corporations that are difficult for banks to handle. Details can be found on the official website.

What particularly caught President Tanaka's attention was the following diverse range of options. Being able to choose the optimal method according to the company's situation greatly influences the success or failure of fundraising.

What these options have in common is "speed" and "flexibility." Screening can be completed in as little as 60 minutes, and same-day funding is possible if documents are in order. No store visit is required, and nationwide service is available, which is a major advantage for busy business owners. In cases like President Tanaka's, where "urgent equipment funds are needed," this speed is of utmost importance.

Additionally, a campaign offering interest-free periods for the first 30 days on new loans (conditions apply; check the official site for details) is available, making it attractive to utilize funds while reducing initial repayment burdens. The company also focuses on "loan consolidation," allowing corporations that want to simplify their monthly repayment management to consolidate multiple borrowings into one.

Thoroughly Verifying the Pros and Cons of Act Will from User Reviews

President Tanaka next focused on the voices of actual users. He wanted to make his decision more solid by learning about the "real reputation" that cannot be seen from official information alone. After analyzing information from multiple review sites and comparison media, the following pros and cons emerged.

Pros

• Fast loan processing speed: Many users praised that they "were able to get a quick response for urgent funding needs."
• Attentive support from representatives: Reviews highlighting the value of face-to-face consultations were prominent.
• Large loan amounts available: A maximum loan limit of 100 million yen (up to 200 million yen for accounts receivable-backed loans) supports major business expansion.
• Unsecured and without guarantor: Except for some products, no personal guarantee or collateral from the business owner is required.
• Consultations possible even with a deficit: The biggest strength is that it can be an option even for corporations that have been rejected by bank loans.
• Wide range of product offerings: With 8 different menu options, you can choose the method best suited to your company.

Cons

• Corporations only: Sole proprietors and freelancers cannot use the service.
• High interest rates: At 8.0% to 20.0% per annum, it is higher compared to bank loans.
• Annual sales of 50 million yen or more as a guideline: This may be a high hurdle for small corporations.
• Difficulty reaching by phone: During peak inquiry times, it may take a while to get through.
• History of administrative sanctions: In 2023, the company received an administrative sanction due to personnel allocation issues.

Let's take a look at actual reviews. On a certain comparison site, the following comments were posted:

"I needed a lump sum of working capital and applied for a 5 million yen credit guarantee loan. The representative came directly to my office and listened to me carefully in person, which gave me peace of mind." (From multiple review sites)

"The loan processing speed was very fast, and they were able to respond quickly to my urgent funding needs." (From multiple review sites)

On the other hand, the following criticisms also exist:

"I was told that self-employed individuals without corporate registration cannot use the service, so I was unable to apply." (From multiple review sites)

"Even for our company, which doesn't have a very large annual sales scale, they thoroughly screened us and provided the loan." (From multiple review sites)

Overall, the trend in reviews is that many users praise the loan processing speed and the attentiveness of the representatives. While there are also comments pointing out the high interest rates and the restriction to corporations only, these are somewhat unavoidable aspects given the nature of the services provided. Additionally, the 2023 administrative sanction was not due to illegal interest rates or debt collection practices, but rather a personnel allocation issue, and the company is currently operating properly.

Based on this information, President Tanaka judged that "the interest rates are high, but it is acceptable compared to the risk of missing out on current business opportunities." Above all, with a free screening application, he can confirm specific conditions before making a final decision. He can take the first step while minimizing risk. This fact gave President Tanaka the push he needed.

Comparison with Other Business Loans: How Does Act Will Differ?

"Is Act Will really the right choice?" President Tanaka decided to fairly compare it with other options. During his research, AG Business Support, HT Finance, and general bank business loans came to the forefront. By summarizing the features of each in a table, Act Will's position becomes clearer.

What emerges from this comparison is that Act Will has carved out a unique position "between banks and other non-banks." While its interest rates are higher than banks, it holds an overwhelming advantage in screening flexibility and speed. Compared to other non-banks, AG Business Support is attractive for being available to sole proprietors and offering a low-interest range, but its loan limit is up to 10 million yen. HT Finance can provide high loan amounts, but Act Will takes the lead in the diversity of its product lineup.

In President Tanaka's case, the required funds are 5 million yen. While AG Business Support could handle this amount, as a corporation with annual sales of 80 million yen, considering future funding needs, Act Will, with its limit of up to 100 million yen, offers greater peace of mind for the future. Above all, the fact that "consultation is possible even with a deficit" was a decisive attraction for President Tanaka, who had been rejected for bank loans. Moreover, with a free screening application, he can confirm the specific conditions before making a final decision. This allows him to take the first step while minimizing risk.

How to Use Actwill: Flow from Application to Funding

After completing his comparison, President Tanaka confirmed the specific application procedure. On Actwill's official website, the latest interest rates and campaign information are also regularly updated. The usage flow is surprisingly simple. For business owners who want to focus on their core operations without being bogged down by complex procedures, this clarity is a major advantage.

1. Application (via Chatbot or Phone) New applications are made through the dedicated chatbot. Since it is available 24 hours a day, it is convenient to apply outside of busy daytime hours, such as at night or on holidays. Inquiries by phone are also possible.

2. Simple Screening (Minimum 60 Minutes) Based on the application details, a preliminary assessment is conducted. The screening time is minimum 60 minutes. Results are typically communicated by the evening of the same day. This speed is key to responding to urgent funding needs.

3. Screening Result Notification and Submission of Required Documents After receiving the screening result notification, submit the required documents by fax or mail. Examples of required documents include the most recent financial statements and a certified copy of the commercial register. Preparing these in advance will make the process smoother.

4. Contract and Funding Once the contract procedures are completed, the funds will be transferred to the designated bank account, or in some cases, a representative may deliver the cash directly. Since everything progresses quickly, funding can be realized "as soon as the same day."

After reviewing this flow, President Tanaka felt, "This is hassle-free, and I can move forward immediately." Particularly, the fact that the process from application to receiving the screening result is remarkably fast is a reassuring point for busy business owners. The application is free, and there is absolutely no obligation to sign a contract just because you receive the screening result. It is designed to be used casually as a means to "learn" about your company's potential.

Who is Act Will Best Suited For?

Having organized the information so far, President Tanaka has made his final decision. Act Will is not a universal option for all corporations. However, for business owners in specific situations, it can be an incredibly powerful partner.

Corporations Particularly Recommended for Act Will

• Corporations with annual sales of 50 million yen or more that are struggling with bank loans
• Those that urgently need working capital or equipment funds right now
• Companies with deficit settlements or excess liabilities that cannot pass bank screening
• Those who strongly prefer unsecured, unguaranteed borrowing
• Companies looking ahead to large-scale fundraising in the future

Cases Where Act Will Is Not Suitable

• Sole proprietors and freelancers (limited to corporations)
• Those who prioritize low interest rates (consider bank loans)
• Small corporations with annual sales under 50 million yen (other non-bank options are available)

Applying this to President Tanaka's case: a corporation with annual sales of 80 million yen, rejected for a bank loan, and urgently needing 5 million yen in equipment funds—this is precisely the situation where Act Will performs best. Although the interest rate is higher than that of banks, using the zero-interest campaign for 30 days can reduce the initial burden. Above all, it can be seen as buying "time" to seize this business opportunity and take the company to the next stage.

For all corporate managers struggling with cash flow, the first solid step to breaking through the situation is to apply for a free credit check to understand your company's borrowing potential and terms. Act Will lowers the barriers to this step to the absolute minimum.

Please note that a business loan is a "borrowing" with repayment obligations, distinct from factoring (selling receivables). Screening results and interest rates are determined individually based on the applicant company's circumstances, so it is not guaranteed that "anyone can borrow."

*The content of this article is based on publicly available information as of August 4, 2026.

Methodology and Disclosure

Verification Method: This article is based on publicly available information as of August 4, 2026. The editorial team has not actually subscribed to or used the services in question. This is an explanation based on publicly available information (official websites, third-party reviews, and user feedback). Since service details, fees, and campaigns are subject to change, please be sure to 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 described in the Evaluation Method. If there are any errors in the content, 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 evaluation content.

Frequently Asked Questions

Is Act Will a loan shark?

Act Will is a legitimate moneylender registered with the Tokyo Metropolitan Government (Registration No.: Tokyo Governor (4) No. 31521) and is a member of the Japan Consumer Credit Association. It is not a loan shark but a business operator operating in accordance with the law.

Is it easy to fail the screening?

Even corporations that have been rejected by banks can apply, and companies with a deficit are also eligible for screening. However, the standard is an annual sales of 50 million yen or more, which may be a high hurdle for small businesses.

I feel the interest rate is high. Is there any way to reduce the burden?

A 30-day interest-free campaign (with conditions) is available for new loans, which can reduce the initial burden. Additionally, you can lower the interest burden by choosing low-interest options such as real estate-backed loans.

Can sole proprietors use the service?

Act Will is a service limited to corporations. Sole proprietors and freelancers cannot use it. Corporate registration is required.

What was the administrative penalty in 2023? Is it still safe now?

The company received an administrative penalty in 2023 regarding personnel allocation issues, but it continues to operate as a legitimate moneylender registered with the Tokyo Metropolitan Government and is a member of the Japan Consumer Credit Association. There are no safety concerns.

How long does it actually take from application to funding?

Screening can be completed in as little as 60 minutes, and same-day funding is possible if documents are in order. The service is available nationwide without the need to visit an office, and it can respond quickly to urgent funding needs.

If I apply for a free screening, am I obligated to borrow?

The free screening application is merely for exploring possibilities; applying does not obligate you to borrow. You can decide whether to use the service after reviewing the screening results.

What does it mean to consolidate loans?

It means combining multiple loans into one, simplifying monthly repayment management and reducing the repayment burden. Act Will also handles loan consolidation, which helps improve cash flow.

References / Sources

This article references publicly available information as of 2026-08-04.

• Speed Financing & Low Interest! Business Loans with Act Will
• Services Handled | Same-Day Financing Available for Corporate Business Loans with Act Will Co., Ltd.
• Act Will | Full Support for SMEs Struggling with Cash Flow
• Repayment Example | Business Loans & Business Fund Borrowing with Act Will Co., Ltd.
• Failed the Business Loan Screening? Explaining Reasons for Rejection and How to Pass Re-screening | Business Loans & Business Fund Borrowing with Act Will Co., Ltd.
• Reasons for Failing Business Loan Screening? Explaining Causes and Immediate Countermeasures | Business Loans & Business Fund Borrowing with Act Will Co., Ltd.
• What Are the Reasons for Failing Business Loan Screening? | Business Loans & Business Fund Borrowing with Act Will Co., Ltd.
• 【2026 Latest】What is the Reputation of Act Will? Honest Explanation of Reviews, Screening, and Interest Rates for Corporations
• What is the Actual Reputation of Act Will? Verifying Business Loan Reviews and Screening Issues | Money Labo
• What is the Reputation of Act Will Co., Ltd.? Explaining Money Lending Registration and 8 Financing Options | Japan Funding Support Center
• Act Will Business Loan Complete Guide – Features, Screening, and Usage Design [2025 Edition] - Subsidies, Grants, Loans, Factoring | Funding Map
• Is Act Will Business Loan Screening Lenient? Explaining the Reality of Employment Verification and Screening Period, and Countermeasures When Rejected | Card Loan Now – Sketch Now Official –
• What Are the Features of Act Will's "Reviews" and "Screening"? Thorough Analysis Including Product Details – Support Biz Research Institute
• What Are the Reputation and Reviews of Act Will? Is It a Safe Business Loan? Interviewing Actual Business Users! | WizBiz Note