Verification Status: This article is an explanation based on publicly available information (no actual use or transactions by the editorial team).
End-of-month payments and material costs for new projects overlap, causing cash flow headaches for Mr. Sato, the president of a construction company. Additional bank loans are difficult to secure, and time is slipping away. Just then, an online ad catches his eye: "Construction industry specialized, minimum 60-minute screening."
Act Will is a business loan specialized for the construction industry. While interest rates are higher than banks, its strengths include a minimum 60-minute screening and same-day funding speed, along with a maximum loan limit of 100 million yen. With screening that understands the construction business model, even companies with a deficit may be eligible.
Reasons Why the Construction Industry Faces Tight Cash Flow and President Sato's Struggles
Image source: actwill.co.jp (official website) — Citation for identification of the reviewed subject
President Kenichi Sato (45), who handles detached houses and small-scale renovations in Tokyo, runs a construction company with 20 employees and annual sales of approximately 80 million yen. Staring at his computer screen in his home study, he has been sighing deeply day after day.
"I have to pay subcontractor fees in half a month. I also need to procure materials for new projects before then to meet the construction schedule, but I don't have enough cash on hand."
In the construction industry, it is common for several months to pass from material procurement and construction to delivery and finally payment. Payments from prime contractors are often made via promissory notes or credit transactions, creating a time lag with the payment terms to subcontractors, making cash flow a constant management challenge. While there is an advance payment system for public works, such benefits are limited for companies focused on private projects.
President Sato first approached his bank for additional financing. However, due to a slight deficit in the previous fiscal year's financial results and an inability to provide sufficient collateral, the bank's response was lukewarm, and the screening process was expected to take time. He also felt the limits of borrowing from acquaintances, leading to a sense of deadlock.
"Isn't there somewhere that understands the realities of the construction industry and can provide funds more quickly?"
President Sato, researching funding methods late into the night, embodies the real struggles faced by many construction industry managers.
What is Act Will? An Overview of Business Loans Specialized for the Construction Industry
President Sato, while continuing his search, came across a service called "Act Will." The official website listed phrases like "Specialized in the construction industry," "Screening in as little as 60 minutes," and "Up to 100 million yen." Having seen several general business loans before, President Sato felt a strong interest for the first time in the term "specialized in the construction industry."
"If it's a financial service that understands the construction industry, it might make a different judgment than a bank."
Act Will is a non-bank that provides business loans and factoring specialized for the construction industry. The operating company is a licensed lender registered with the Governor of Tokyo and is also a member of the Japan Consumer Credit Association. The service overview of the company, organized based on publicly available information, is as follows.
Basic Specifications
- Target: Corporations in the construction industry (micro-corporations eligible, sole proprietors not eligible)
- Loan Amount: 3 million yen to 100 million yen (up to 200 million yen in some cases)
- Interest Rate: 3.00% to 20.00% per annum (varies by product)
- Screening Time: Preliminary screening in as little as 60 minutes
- Loan Disbursement: As early as the same day
- Collateral/Guarantee: Unsecured, only representative joint guarantee
- Service Area: Nationwide (no store visit required, completed online)
- Total Volume Regulation: Not applicable
Additionally, factoring fees are said to start from 1%, and multiple information sites rate it as having "relatively low fees." Another notable feature is a campaign offering 30 days of interest-free service for businesses holding checks or promissory notes. However, conditions apply for the campaign, so details must be checked on the official website.
President Sato began to feel a slight sense of promise, thinking, "Our company is a corporation, and our annual sales meet the conditions. It might be worth hearing what they have to say first."
Laying Bare the Strengths and Weaknesses of Act Will
President Sato felt both anticipation and a sense of caution, wondering, "Isn't this too good to be true?" That's why he believed it was necessary to calmly assess both the advantages and disadvantages. Based on multiple public sources, he organized the strengths and weaknesses of this service.
Advantages
| Item | Details |
|---|---|
| Screening Speed | Preliminary screening completed in as little as 60 minutes, with same-day funding possible |
| Understanding of the Construction Industry | Conducts unique screening based on industry characteristics |
| Maximum Loan Amount | Up to 100 million yen (200 million yen in some cases) |
| Collateral/Guarantee | Unsecured, only requires representative joint guarantee |
| Total Volume Regulation | Not subject to regulation, so less affected by borrowing from other companies |
| Service Area | Nationwide coverage, no need to visit a store, all online |
Above all, the speed of receiving a preliminary decision in just one hour, compared to the weeks it takes for bank loans, is the biggest appeal for business owners struggling with cash flow. Additionally, the screening that understands the transaction structure and payment cycles of the construction industry is a strength that is hard to obtain from general financial institutions.
Disadvantages and Points to Note
| Item | Details |
|---|---|
| Interest Rate | Higher than banks, at 3% to 20% per annum |
| Target | Not available for sole proprietors; screening is strict for those with annual sales under 50 million yen |
| Deposits on Weekends and Holidays | Not supported |
| Screening Pass Rate | Relatively low at approximately 65% |
| Past Administrative Penalties | Received administrative penalties in 2023 due to personnel allocation issues |
| Reviews | Some complaints about the hassle of document submission and communication delays |
The interest rate being higher than banks is a characteristic common to non-bank business loans in general. Regarding the 2023 administrative penalties, corrective measures have already been taken, and multiple information sites confirm that operations are now properly managed. The screening pass rate of 65% cannot be considered easy to pass, but conversely, it can be seen as a sign of soundness with established screening standards.
President Sato calmly proceeded with his assessment, thinking, "The interest rate is indeed high. But now that I've been turned down by the bank, compared to the risk of running out of working capital, it's worth considering as a temporary cost."
A Look at Real Reviews and Feedback
After sorting out the pros and cons, President Sato was particularly curious about the actual voices of users. Upon examining evaluations posted on multiple review sites and comparison media, the overall sentiment distribution was roughly balanced: about 40% positive, 30% neutral, and 30% negative.
Among these, the most common comments were positive posts regarding the screening speed.
From the time I called to the completion of the screening, it really took about an hour. The claim of speedy screening was no lie. (From multiple review sites)
I called at 10 a.m., and by noon, 2 million yen had been transferred to my designated account. The deposit in about two hours was extremely fast. (From multiple review sites)
It appears that speed is the main pillar supporting the service's reputation. Regarding the politeness of the response, the following comments were also received.
I had been following the blog for a while, and the variety of business loan types was extensive. They provided a response tailored to my needs. (From multiple review sites)
The response was quick and polite. Thank you very much. (From multiple review sites)
On the other hand, there were also complaints about high interest rates and dissatisfaction with the procedural aspects.
Since it was an urgent request and my first time using the service, the rate was set at a somewhat high 8%. However, considering the speed at which I was able to secure 2 million yen on the same day, I feel it was a worthwhile investment. (From multiple review sites)
Additionally, some harsh criticisms were noted.
After being made to submit documents multiple times, I was not contacted by the promised deadline, and there was no apology even then. This happened twice. They advertise same-day service, but I was kept waiting for a week. (From multiple review sites)
While reading these reviews, President Sato noted, "It seems there's a possibility of delays if documents are incomplete. If I properly prepare everything needed upfront, I can probably reduce the risk," keeping the importance of advance preparation in mind.
Thorough Comparison with Competing Business Loans: Act Will's Position
President Sato, who is proceeding with information gathering, thought that he could not determine whether a loan was truly optimal for his company without comparing it with other business loans. Based on publicly available information, he compares key items with competing services that similarly offer unsecured corporate financing.
| Item | Act Will | AG Business Support | HT Finance |
|---|---|---|---|
| Interest Rate (Annual) | 3.00%–20.00% | 3.1%–18.0% | 8.0%–18.0% |
| Loan Limit | ¥3 million–¥100 million (max ¥200 million) | ¥10 million | ¥100 million |
| Screening Speed | As fast as 60 minutes | — | — |
| Same-Day Funding | Available | — | — |
| Target Industries | Construction industry specialized | All industries | All industries |
| Unsecured | Available | Available | Available |
AG Business Support has a lower minimum interest rate, but its loan limit is relatively small at ¥10 million. HT Finance can handle up to ¥100 million, but it is not specialized in the construction industry, and specific speed figures cannot be confirmed from publicly available information.
From this comparison, Act Will's position becomes clear. In other words, Act Will is the most specialized in meeting the need for construction industry corporations to secure funds ranging from several million to tens of millions of yen as quickly as possible. While its minimum interest rate slightly falls short of AG Business Support, its speed in emergencies and deep understanding of the construction industry are unmatched by competitors.
Complete Guide to the Application to Funding Process and Required Documents
"Specializing in the construction industry and fast. While reviews mention some points to watch out for, they can be covered with advance preparation." — Having made this judgment, President Sato began checking the specific application procedures. According to official information, the process from actual application to funding execution consists of the following 5 steps.
Step 1: Inquiry and Consultation First, contact us by phone or via the web form to receive a free consultation. At this stage, you can communicate your company's situation and desired loan amount, and get a feel for whether the service suits your needs. President Sato felt reassured that he could directly ask about his concerns here.
Step 2: Preliminary Screening Based on the application details, a preliminary screening is conducted within a minimum of 60 minutes. The result will be communicated by phone or other means. As mentioned in reviews, a speedy response can be expected, though complex cases may take a bit longer.
Step 3: Submission of Required Documents After passing the preliminary screening, submit documents such as financial statements (for the most recent 2 fiscal years), bankbook copies (for the most recent 6 months), a certified copy of the commercial register, and copies of estimates, invoices, and purchase orders via fax or email. You may feel there are many documents, but these are necessary to accurately assess the actual state of the construction business. Incomplete documents can cause delays, so ensuring they are all in order here is the shortcut to fast funding.
Step 4: Final Screening and Contract A final screening is conducted based on the submitted documents, and if there are no issues, you will receive an explanation of the contract terms. The process involves signing the contract after being satisfied with the terms. Be sure to clarify any unclear points at this stage.
Step 5: Funding Execution After the contract is signed, funds are transferred to the designated bank account as early as the same day. Depending on the situation, a service to deliver cash directly is also available. Since the service is nationwide, there is no need to visit a store even if you are far away.
For the latest required documents and detailed conditions, we recommend checking the official website.
Frequently Asked Questions and Concerns Addressed Here
President Sato, while understanding the flow of procedures, still had some lingering concerns deep in his heart. These are also common questions that many business owners have when considering a business loan for the first time.
"Is this a legitimate provider, or a dangerous place like a loan shark?" This is the most important point to confirm. The operating company of Act Will is a legitimate money lender registered with the Governor of Tokyo and a member of the Japan Consumer Finance Association. In other words, it operates in accordance with the Investment Deposit Law and the Money Lending Business Law, and is a business free from illegal high interest rates or threatening debt collection. President Sato also confirmed this fact and gained significant peace of mind.
"Is the screening really completed in as little as 60 minutes? Is it just a catchphrase?" On multiple review sites, there are several reports that the screening was actually completed in about an hour from the time of the phone call. On the other hand, if there are deficiencies in the documents or many items to be confirmed, cases where it takes longer are also observed. It is best to understand that "as little as 60 minutes" is merely a guideline for when things go smoothly. Having documents perfectly prepared in advance is the key to a speedy screening.
"I am a sole proprietor, but can I apply?" In conclusion, Act Will's lending target is corporations only. Sole proprietors are not eligible. However, if you plan to establish a corporation in the future, or if you already own a "micro corporation" such as a Godo Kaisha (LLC), you can apply. Sole proprietors need to first consider incorporating.
"Can I receive a loan even if my financial results are in the red?" Even for businesses with deficit financial results, which are difficult to finance through bank loans, there is a possibility under Act Will's unique screening, which emphasizes the creditworthiness of the accounts receivable in the construction industry. According to multiple information sites, the screening pass rate is said to be around 65%, suggesting that not only profitable companies but also a certain number of deficit companies pass. Of course, it is not guaranteed, but the fact that the door is open to businesses that have been rejected by banks is a great hope. To convey the details of your company's situation, a free consultation on the official website is effective.
Conclusion: Act Will is a Strong Ally for Construction Company Owners Struggling with Cash Flow
After reviewing all the information, President Sato quietly made his decision. He closed his computer and envisioned calling Act Will first thing the next morning.
"The interest rates are by no means low. But what we need right now is a partner who understands the construction industry and can quickly provide funds."
Act Will is a service that is particularly suited for corporate construction company owners in the following ways:
- For those who prioritize speed of funding above all else. It truly shines in situations like President Sato's, where waiting for bank screening is not an option.
- For those seeking a financial institution that understands the characteristics of the construction industry. Screening that takes into account industry-specific business practices, such as accounts receivable and promissory notes, is a strength not found in general financial institutions.
On the other hand, the following individuals should consider other options:
- Sole proprietors (as Act Will is limited to corporations)
- Those who prioritize low interest rates above all else and can afford some time until loan disbursement
President Sato's mind was already made up. A free quote comes with zero out-of-pocket costs and is the first step to concretely understanding your company's funding potential. There is no risk in simply applying and hearing what they have to say.
Finally, a business loan is a form of borrowing. Interest rates, fees, screening criteria, and the actual time until funds are received vary depending on the applicant company's situation and the product selected. Please be sure to carefully check the terms before signing a contract and use it as part of a planned cash flow strategy. Unlike illegal moneylenders or illegal factoring disguised as salary purchases, Act Will supports the cash flow of the construction industry as a legitimate moneylender.
Methodology and Disclosure
Verification Method: This article is based on publicly available information confirmed as of 2026-07-11. The editorial team has not actually subscribed to or used the target services. This explanation is based on publicly available information (official websites, third-party reviews, user testimonials). Service details, fees, and campaigns are subject to change, so please be sure to check the official information before applying.
Operator 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 the contact desk.
Affiliate Disclosure: This article contains affiliate links, and our site may receive compensation without additional cost to the reader. Compensation does not affect the evaluation content.
Frequently Asked Questions
Is the screening for Act Will strict?
The screening pass rate is approximately 65%, which is somewhat low, but with their unique screening that understands the nature of the construction industry, there is a possibility even for companies with deficit financial results. It may be more flexible than banks in some cases.
How is the interest rate determined?
Interest rates range from 3.00% to 20.00% per annum and are set individually based on the loan amount, repayment period, and the company's creditworthiness, among other factors. While higher than bank rates, this is the trade-off for fast funding.
What is the minimum time required for loan disbursement?
After a preliminary screening that can be completed in as little as 60 minutes, same-day funding is possible. According to actual reviews, there are cases where funds were deposited approximately 2 hours after a phone call. However, deposits are not available on weekends and public holidays.
Can I apply as a sole proprietor?
Sole proprietors are not eligible. Only corporations (including micro-corporations) can apply. If you are a sole proprietor, please consider other services.
Are there any costs other than the fees?
While not explicitly stated on the official website, late payment penalties and transfer fees may apply. Be sure to confirm this before signing the contract.
What documents are required for submission?
You will need financial statements (most recent period), a certified copy of the corporate register, identification documents for the representative, and transaction bank account information, among others. Details will be provided during the screening process.
Will this affect my future borrowing capacity?
Depending on your repayment history and business performance, additional loans or increases may be possible. However, since it is not subject to total volume regulations, it is less likely to be affected by your borrowing status with other companies.
References / Sources
This article references publicly available information as of 2026-07-11.
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