Verification Status: This article is an explanation based on publicly available information (the editorial team has not conducted actual usage or trading).
"Sudden subcontractor payments have piled up, leaving us short on working capital. The bank turned us down. What should we do?"—If you are a corporate manager in the construction industry, haven't you faced this kind of cash flow crisis at least once? In such situations, "Act Will," a business loan specialized for the construction industry, is a reliable resource.
Conclusion: Act Will's strengths lie in its screening process that understands construction industry practices and its speed funding capability of as fast as 60 minutes. While interest rates are relatively high, it is a business loan ideally suited for corporate managers who need to secure funds quickly when bank financing is difficult to obtain.
The "Sudden Crisis" Lurking in Construction Cash Flow
Image Source: actwill.co.jp (Official Site) — Cited for identification purposes in this review
Mr. Tanaka (a pseudonym), who runs a small-to-medium construction firm in Tokyo, found himself right in the midst of such a crisis. With annual sales of approximately 80 million yen and 20 employees, his company handles both public and private sector projects. When payment for a major contract was delayed by two months beyond the schedule, incoming funds clashed with urgent obligations to subcontractors and material costs for new projects, leaving the company facing an imminent cash shortfall of 10 million yen.
He approached his main bank for additional financing but was turned away at the door with the response, "Given your recent financial statements, this is difficult." With no time to spare, Mr. Tanaka grew increasingly anxious, fearing, "At this rate, the business won't survive."
In the construction industry, such sudden shifts in cash flow are far from rare. Progress payments for public works often come with long payment terms, while private sector projects may still rely on bill settlements, frequently creating a time lag before funds are liquidated. On the other hand, payments for subcontracting fees and materials cannot wait. Bank loans typically take several weeks for approval and are hard to secure if financial statements show temporary deterioration. This is precisely why there is a critical need for funding solutions that understand the realities of the construction industry and can respond with speed.
Desperate and grasping at straws, Mr. Tanaka searched for "construction business loan immediate funding" and discovered a service called "Act Will."
Act Will's Core Specifications—A Business Loan Specialized for the Construction Industry
Act Will Co., Ltd. is a non-bank lender headquartered in Toshima Ward, Tokyo, offering business loans tailored to corporate clients. It is a licensed lending institution registered with the Governor of Tokyo and a member of the Japan Federation of Loan Associations. Its standout feature is its specialization in financing for the construction industry. By conducting assessments that account for industry-specific practices and cash flow characteristics, Act Will can effectively address temporary funding needs that banks might otherwise overlook.
The company offers a wide range of financing products, including credit guarantee loans, real estate collateral loans, commercial bill discounting, securities-backed loans, and accounts receivable financing. Its flagship product is the credit guarantee loan, which requires no collateral and no third-party guarantor (only a guarantee from the company representative). Act Will promotes this service with claims of approval in as little as 60 minutes and same-day funding. Serving clients nationwide, the process requires no branch visits; instead, a representative visits the client to handle procedures directly.
The core specifications are summarized in the table below.
| Item | Details |
|---|---|
| Interest Rate (Annual) | Credit Guarantee Loan: 10.00% – 20.00% Real Estate Collateral Loan: 8.00% – 15.00% |
| Maximum Loan Amount | Up to 100 million JPY |
| Review Time | As fast as 60 minutes (same-day funding available) |
| Collateral / Guarantor | No collateral / No guarantor (Representative guarantee only) |
| Eligibility | Corporations (Annual sales of 50 million JPY or more recommended) |
| Fees | Real Estate Collateral Loan only: 1.00% – 3.00% (Credit Guarantee Loan: inquire for details) |
| Campaigns | 30 days interest-free for holders of checks or bills (Conditions apply; check official site for details) |
President Tanaka thought, "If they specialize in the construction industry, they might truly understand our company's situation," and decided to investigate their reputation further.
Comprehensive Analysis of Act Will's Pros and Cons Based on User Reviews
A cross-sectional review of multiple review sites and comparison articles reveals that Act Will has both clear advantages and important drawbacks to consider. Let's first outline the main pros and cons.
Pros
- Fast approval in as little as 60 minutes, enabling same-day funding
- Underwriting that understands the cash flow challenges specific to the construction industry
- Available without collateral or guarantees, making it accessible for SMEs lacking sufficient assets
- Supports large-scale loans up to ¥100 million
- A licensed lending institution, not an illegal loan shark
- Positive feedback regarding the user-friendly online application form
- Reviews highlight quick and courteous customer service
- Offers a 30-day interest-free campaign for holders of checks and promissory notes (conditions apply)
Cons
- Relatively high interest rates ranging from 10.0% to 20.0% per annum
- Exclusively for corporations; sole proprietors and freelancers are generally ineligible (with limited exceptions such as real estate-backed loans)
- Corporations with annual sales under ¥50 million are highly likely to be rejected at the initial screening stage
- Received an administrative penalty in 2023 (related to "staffing issues," not involving illegal interest rates or aggressive debt collection)
- Approval delays can occur due to missing documentation or required on-site inspections
- Fee details are not explicitly stated on the official website, requiring direct inquiry
Actual user reviews frequently praise the speed of service and the lender's understanding of the construction sector. Aggregating feedback across multiple platforms shows that positive opinions dominate, while negative comments remain limited.
"I was panicking over an urgent payment to subcontractors, but their speed saved me." (Multiple review sites)
"Service was fast and courteous. Thank you." (A comparison site)
"The online application form was very easy to use." (An accounting firm media outlet)
On the other hand, there are a minority of reviews pointing out the high interest rates or occasional delays in communication.
"I felt the interest rates were high." (Multiple review sites)
"There were cases where responses were delayed." (Same as above)
Regarding the administrative penalty, it is important to note that the issue concerned "staffing arrangements" and did not involve fundamental violations of lending laws. Overall, many business owners feel that the strengths of speed and specialization in the construction industry more than compensate for the higher interest rates.
[Comparison Table] Act Will vs. Other Business Loans vs. Factoring
President Tanaka compared Act Will not only against other lenders but also against alternative funding methods. Here, we clearly outline the differences by comparing two representative unsecured business loan providers and factoring, a option frequently considered in the construction industry.
| Item | Act Will | AG Business Support | HT Finance | Factoring |
|---|---|---|---|---|
| Interest Rate (Annual) | 10.00% – 20.00% | 3.1% – 18.0% | 8.0% – 18.0% | None (fees are deducted) |
| Loan Limit | Up to ¥100 million | ¥500,000 – ¥10 million | Up to ¥100 million | Depends on accounts receivable value |
| Review Time | As fast as 60 minutes | As fast as same-day | As fast as same-day | As fast as same-day to several days |
| Collateral / Guarantee | Unsecured / Representative guarantee | Unsecured / Representative guarantee | Unsecured / Representative guarantee | Not required (assignment of receivables) |
| Specialized for Construction | Yes | No | No | No |
| Fees | 1–3% when real estate collateral is used (credit guarantee fees require confirmation) | Undisclosed | Undisclosed | Fee rates provided individually |
| Repayment Obligation | Yes (loan) | Yes (loan) | Yes (loan) | No (sale of receivables) |
Business loans are "borrowings" with a repayment obligation, whereas factoring involves the "sale of receivables." While factoring offers advantages such as rapid approval and no addition to liabilities, it tends to involve higher fees and requires relinquishing future incoming payments. On the other hand, although business loans incur interest costs, they allow companies to secure working capital while retaining cash on hand.
In the construction industry, where long payment terms are often the root cause of cash flow challenges, utilizing a business loan as temporary bridge financing is a rational approach. Among available options, Act Will stands out for its high approval rates based on an understanding of construction industry practices and its capacity to handle large-scale funding. While AG Business Support offers a lower minimum interest rate, the peace of mind provided by a lender specialized in the construction sector is invaluable.
Check the latest interest rates and campaigns on the official website to determine if it suits your company. With a free screening, you can learn specifically about your eligible loan amount and interest conditions without incurring any borrowing obligation. Why not start by gathering information risk-free?
Who ActWill Is (and Isn't) Right For
After completing his comparison, President Tanaka made a final decision on whether ActWill was the right fit for his company. Here, we clearly outline which types of corporations are ideal candidates and, conversely, in which cases alternative options should be considered.
Ideal Candidates
- Construction corporations that have been rejected for bank financing or cannot afford to wait for a lengthy review process
- Business owners who need same-day funding to cover sudden subcontractor fees or material costs
- Corporations with annual sales of over 50 million yen seeking unsecured, non-guaranteed loans
- Those who want an underwriting process that understands the specific cash flow characteristics of the construction industry
- Cases requiring large-scale funding of up to 100 million yen in a short period
Not Suitable For
- Sole proprietors or freelancers (as this service is exclusively for corporations; while there are some exceptions, such as real estate-collateral loans, it is generally not available)
- Corporations with annual sales under 50 million yen (high likelihood of rejection at the initial screening stage)
- Those who prioritize low interest rates above all else and have time to spare (can wait for bank financing)
- Those looking to monetize accounts receivable through sale rather than borrowing (factoring is more appropriate)
It is true that ActWill's interest rates are higher than those of banks, but this is the price paid for "speed" and "construction-industry-specific underwriting." The content of the administrative disposition did not relate to fundamental issues regarding lending business practices, and the company is currently operating appropriately. President Tanaka concluded that "right now, securing funds quickly is the top priority, even over interest rates," and decided to proceed with the free screening.
How to Use Act Will—From Free Screening Application to Loan Disbursement
The process from applying for Act Will to receiving loan disbursement consists of four main steps. Let's walk through the specific procedure by following President Tanaka's case.
Step 1: Inquiry and Consultation (Free) Contact us via phone or the inquiry form on our official website. Consultations and estimates are completely free, and no borrowing obligation arises at this stage. President Tanaka entered the required information via the web form and promptly received a callback from a representative.
Step 2: Preliminary Screening and Document Guidelines A preliminary assessment is conducted based on our unique screening criteria. Upon passing, you will receive instructions regarding necessary documents, such as financial statements and bankbook copies. Documents can be submitted via fax or email. President Tanaka prepared his most recent financial statements and a copy of his main bank account passbook, submitting them by email.
Step 3: Final Screening and Contract Procedures Once documents are received, the final screening takes place. After approval, we present the eligible loan amount, interest rate, and repayment plan. If you agree with the terms, you proceed to the contract formalities. The decision to borrow is made only at this point; there is no pressure to sign unnecessarily.
Step 4: Loan Disbursement After completing the contract, funds can be received via transfer to your designated account or delivered in cash directly by a representative. Disbursement can occur as quickly as the same day. President Tanaka submitted his documents in the morning, received confirmation of his eligible loan amount by afternoon, and successfully secured his cash flow planning.
Checking the required documents on the official website in advance will make the process even smoother. No loan contract is established during the free consultation or free screening stages. Why not start with a casual inquiry to explore your company's potential?
Summary: If You're Struggling with Cash Flow in Construction, Start with a Free Assessment
Cash flow in the construction industry carries structural risks due to delayed payments and concentrated payout schedules. In emergencies when traditional banks cannot act quickly, having a financial institution that understands your industry can be a great relief. Act Will meets these needs with its capabilities: approval in as little as 60 minutes, same-day funding, and loans of up to ¥100 million. While interest rates are higher, the speed and construction-industry-specific underwriting provide significant value when bank financing is difficult to secure.
By applying for a free assessment, President Tanaka was able to clearly understand his company's borrowing capacity and loan terms, paving the way to avoid a cash crunch. A free assessment is a valuable opportunity to visualize your company's fundraising potential without any obligation to borrow. Why not first check, with zero risk, under what conditions your company can secure funding?
Please note that business loans are borrowings that carry a repayment obligation. Approval results and interest rates are determined individually based on the applicant company's situation, and funding is not guaranteed. It is essential to thoroughly review all terms before signing a contract and to establish a realistic repayment plan.
Methodology and Disclosures
Verification Method: This article was created based on public information verified as of 2026-08-10. Our editorial team has not actually contracted or used the services discussed. The explanations provided are based on public sources, including official websites, third-party reviews, and user feedback. Service details, fees, and campaigns are subject to change; please always verify the latest information on the official website before applying.
Publisher Information: Our editorial policy and evaluation criteria are outlined in our Editorial Policy, and our verification procedures are detailed in our Evaluation Methodology. If you identify any errors in the content, please report them via our contact form.
Affiliate Disclosure: This article contains affiliate links, through which our site may earn a commission at no additional cost to the reader. These commissions do not influence our evaluations or rankings.
Frequently Asked Questions
Is Act Will a predatory lender?
Act Will Co., Ltd. is a licensed moneylender registered with the Tokyo Metropolitan Government and a member of the Japan Consumer Credit Association. It is not a predatory lender; it provides loans at legal interest rates (10.0% to 20.0% per annum) under the Money Lending Act. You can use it with confidence, but we recommend verifying their registration number before signing a contract.
Does the screening really finish in as little as 60 minutes?
The official website advertises screening in as little as 60 minutes and same-day funding, but in practice, delays can occur due to missing documents or scheduling of on-site inspections. Reviews often praise the speed, but some users report slower communication. Keep in mind that this is the fastest possible time, not a guarantee.
Can sole proprietors use Act Will?
In principle, Act Will is for corporations only; sole proprietors and freelancers are not eligible. However, some products, such as real estate collateral loans, may have exceptions for sole proprietors. Since an annual revenue of 50 million yen or more is generally required, we recommend checking the eligibility criteria on the official website or contacting them directly.
The interest rate seems high. Is it reasonable?
The interest rate for credit guarantee loans is 10.0% to 20.0% per annum, which is higher than bank loans, but considering the unsecured, unguaranteed nature and the fastest 60-minute screening, it is within the standard range for non-bank lenders. Compared to other business loans (3.1% to 18.0% per annum), the difference is not significant, and the speed and construction industry specialization make it reasonable.
What was the issue with the 2023 administrative penalty?
Act Will did receive an administrative penalty in 2023, but the issue was related to 'staffing arrangements,' not illegal interest rates or improper debt collection. Since it is not a violation of the core lending business, the risk to borrowers is considered low. You can check the details in the public documents released by the Tokyo Metropolitan Government.
If I apply for a free screening, am I obligated to borrow?
No, the screening is free, and applying does not obligate you to borrow. You can decide whether to take the loan after seeing the screening results. However, since you will provide personal and financial information during the process, it is important to review the terms and conditions carefully and apply only if you are comfortable.
What documents are required?
Similar to other business loans, you will typically need corporate registration certificates, recent financial statements (for the last two fiscal years), a business plan, and identification documents of the representative. Since Act Will specializes in construction, they may also request construction contracts or purchase orders. Check the official website for a detailed list of required documents.
How long is the repayment period?
The repayment period varies by product, but for credit guarantee loans, it is generally up to 5 years, and for real estate collateral loans, up to 10 years. However, this is not explicitly stated on the official website and is determined on a case-by-case basis. Discuss your repayment plan thoroughly with your representative before borrowing to ensure it is manageable.
Sources
This article is based on publicly available information as of 2026-08-10.
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