Verification Status: This article is an explanation based on publicly available information (the editorial team has not conducted actual usage or trading).
With month-end payments looming and accounts receivable still 45 days from collection, bank loans take too long while card loans carry high interest rates. In such situations, if a service existed that could convert accounts receivable into cash in as little as 60 minutes by selling them, any business owner would surely pay attention.
Conclusion: Act Will (factoring) is a B2B factoring service advertising fees from 1% and approval in as fast as 60 minutes. It is particularly suitable for corporations rejected by other providers or currently using competitors with higher fees. Note that the maximum purchase limit is capped at a modest 5 million JPY, and sole proprietors are not eligible.
Cash Flow Woes: Waiting for Receivables Collection Squeezes Operations
President Yamada (a pseudonym) runs a logistics company with 15 employees. The collection term for accounts receivable is 60 days, meaning it takes roughly two months from completing a job to actually receiving cash. Meanwhile, fuel costs must be paid weekly and payroll monthly, with no reprieve. Even though the books show a profit, cash on hand becomes increasingly precarious by the end of each month.
He has previously approached his bank for additional financing. However, the approval process takes two weeks, and if payments are delayed during that period, the effort would be futile. Card loans carry high interest rates, making them too burdensome for long-term use. Existing factoring companies charge hefty fees of 12%; as the volume of receivables increases, the absolute fee amount further strains operations.
At this point, President Yamada refocused on a key distinction: factoring is not a loan but a purchase and sale of accounts receivable. By selling receivables before their due date, he can convert them into immediate cash. Rather than increasing liabilities, this mechanism accelerates future income. Unlike borrowing, it does not inflate liabilities on the balance sheet, making it an attractive option for business owners concerned about their financial structure.
Factoring companies compete on fees and speed for these "receivables purchases." Act Will, introduced to President Yamada by a business partner, is one such provider. Upon seeing their offer—fees starting from 1%, funding in as little as 60 minutes, and an approval rate of 65% or higher—Yamada felt the cost was "far lower than the current 1%" and began seriously considering switching providers.
What Is Actwill (Factoring)? Fees from 1% • Funding in as Little as 60 Minutes
Actwill is a company that provides factoring services, purchasing accounts receivable before their payment due date to convert them into immediate cash. Their official website highlights fees starting from 1%, funding available in as little as 60 minutes, and an approval rate of 65% or higher. Designed for corporate clients, a key feature is their ability to accommodate businesses even if they have been rejected by other providers, thanks to Actwill's unique underwriting criteria.
When President Yamada visited the official website, the first thing that caught his eye was "fees from 1%." Considering that existing factoring companies often charge around 12%, this represents a potentially significant reduction in fee burdens for the same accounts receivable. Furthermore, the promise of "approval completed in as little as 60 minutes, with same-day factoring possible" offers speed that simply cannot be compared to the two weeks typically required for bank loans.
Here is a summary of Actwill's basic specifications:
| Item | Details |
|---|---|
| Fees | 1%–20% (1% is the minimum; the actual applicable rate is not determined until after application) |
| Approval Speed | Approval completed in as little as 60 minutes |
| Approval Rate | 65% or higher |
| Purchase Amount | Up to 5 million JPY |
| Eligibility | Corporations (some information suggests sole proprietors are excluded) |
| Disbursement Method | Bank transfer or direct cash delivery by a representative |
| Money Lending Registration | Registered money lender with over 12 years of track record |
| Assignment of Receivables Registration | Not required |
The factoring mechanism is simple. A company sells its accounts receivable (invoices) to Actwill and receives the purchase price before the due date. Actwill pays the amount minus the fee and then collects directly from the debtor on the due date. Since this is not a loan, there is no concept of repayment. For President Yamada, the idea of "selling accounts receivable" lowered the psychological barrier associated with taking out a loan.
Additionally, Actwill states that registration of the assignment of receivables is not required. This means funding can potentially be secured without the debtor's knowledge, providing peace of mind for business owners concerned about their relationships with trading partners. The disbursement options are also practical for companies facing urgent payments, as users can choose not only bank transfers but also a service where a representative delivers cash directly.
Check the latest conditions on the official website to easily visualize how the fees and approval process would apply to your own company.
Act Will's Fees, Screening, and Funding Speed: Insights from Public Information
Act Will's fees range from 1% to 20%. However, the 1% figure represents only the lower limit; the actual rate applied is not determined until after the application is submitted. In cases involving first-time use or urgent funding needs, rates around 8% have been observed. Furthermore, switching from another provider often results in lower fees.
What caught President Yamada's attention was this wide fee range. A difference between 1% and 20% means the absolute fee amount for the same accounts receivable can vary by a factor of twenty. Nevertheless, public information indicates that "fees are often reduced when switching from another company." For clients like President Yamada, who currently pays 12% to an existing factoring company, there is significant potential for cost reduction by switching providers.
The approval rate is advertised as 65% or higher. This implies that roughly 6 or 7 out of every 10 applications are approved, offering a reasonable chance of success even for factoring beginners. Additionally, the company employs its own unique screening criteria, allowing it to accommodate applicants who may have been rejected by other firms. For corporations already using factoring services, like President Yamada's company, the psychological barrier to applying is lower due to their established track record.
The maximum purchase amount is capped at 5 million JPY, which is relatively small. While this may not suit large-scale capital requirements, it is fully adequate for needs such as President Yamada's company, which requires several million yen urgently to cover fuel costs and payroll. Services are reportedly available exclusively to corporations, with sole proprietorships excluded. This is a point worth confirming before applying.
While the actual terms for fees, screening, and funding speed are not finalized until after application, obtaining a free quote or submitting an application involves minimal risk and allows you to withdraw at any stage. Requesting a quote incurs no cost and enables you to determine exactly what fee rate would apply to your company's accounts receivable. President Yamada has begun to think positively, deciding, "First, I'll get a quote and compare it with my current 12%."
Reviews and Reputation: Speed of Approval and Lack of Fee Transparency
Reviews regarding Act Will can be found on multiple factoring comparison sites and review platforms. Overall, the consensus shows many positive comments about the speed of approval and funding, while some users point out a lack of transparency regarding fees.
Regarding approval speed, there are reviews such as the following:
From the phone call to the completion of the screening, it really took about one hour. The claim of "speedy screening" was not false. (Factoring Comparison Site)
I called at 10:00 AM, and by noon, 2 million yen had been deposited into the designated account. Funding in approximately two hours is extremely fast. (Factoring Comparison Site)
The promise of approval in as little as 60 minutes and same-day funding is backed by actual user experiences. It is highly likely that Act Will can meet President Yamada's primary need for "urgent funding."
Regarding fees, there are reviews reporting cost reductions achieved by switching providers:
My fee dropped from 12% with another company to just 3% with Act Will. On 4 million yen in accounts receivable, the fee was reduced from 480,000 yen to 120,000 yen, resulting in annual cost savings of several million yen. (Factoring Comparison Site)
This case mirrors President Yamada's situation almost exactly: switching from a 12% fee down to 3%. After reading this review, President Yamada felt hopeful that his company could achieve similar savings.
On the other hand, there are voices pointing out a lack of transparency regarding fees. Specifically, the upper limit of fees is not clearly defined, and the actual applicable rate is not determined before application. Additionally, some users note that required documents must be submitted via fax or mail, which can be cumbersome. There are also reviews stating that fees may be set higher for first-time users, such as the following:
Due to the urgent nature of the request and it being my first time using the service, the rate was set slightly high at 8%. However, considering the speed with which I was able to secure 2 million yen on the same day, I feel it was an investment well worth the cost. (Factoring Comparison Site)
This review evaluates that even an 8% fee was justified by the "speed of securing 2 million yen on the same day." The deciding factor for utilization is not simply looking at the height of the fees, but rather how one evaluates the value that speed of funding brings to business management.
While reading these reviews, President Yamada felt both expectation and anxiety. He would not know how low the fees could go until he applied. However, multiple reviews clearly conveyed that there is a high probability the fees will drop below his current 12%, and that the approval speed of as little as 60 minutes is a reality.
Comparison with Other Factoring Companies: QuQuMo, NextOne, PMG, and Nishi-Nippon Factor
Rather than evaluating Act Will in isolation, its positioning becomes clear when compared side-by-side with other factoring services. Based on publicly available information, here is a comparison with QuQuMo, NextOne, PMG, and Nishi-Nippon Factor.
| Item | Act Will | QuQuMo | NextOne | PMG | Nishi-Nippon Factor |
|---|---|---|---|---|---|
| Fees | 1%–20% | — | — | From 2% | — |
| Screening Speed | As fast as 60 minutes | Specialized in same-day service | Specialized in same-day service | — | — |
| Funding Speed | Same-day (reports of as fast as 2 hours) | Funding possible within 2 hours | Funding possible within 2 hours | — | — |
| Purchase Amount | Up to ¥5 million | — | — | From ¥3 million | ¥300,000 – ¥30 million |
| Review Score | — | — | — | 4.7 | 3.4 |
| Target | Corporations | — | — | — | — |
This comparison reveals that Act Will offers a low minimum fee of 1% and a fast screening time of just 60 minutes, while its maximum purchase amount is capped at a smaller scale of ¥5 million. PMG boasts a larger purchase limit and a high review score of 4.7, but its minimum fee starts at 2%, which is higher than Act Will's. Nishi-Nippon Factor offers a wide range of purchase amounts from ¥300,000 to ¥30 million, making it suitable for large-scale funding needs.
So, who should choose which service?
If minimizing fees and maximizing screening speed are your top priorities, Act Will is a strong candidate. This is especially true for corporations currently paying high fees, such as 12%, with other providers, as switching could yield significant savings. On the other hand, if you need to monetize accounts receivable exceeding ¥5 million, it makes sense to consider services with higher purchase limits like PMG or Nishi-Nippon Factor.
In the case of President Yamada's company, the immediate need is for working capital in the range of several million yen, and the primary concern is high fees. Under these conditions, Act Will aligns most closely with his needs among the options in the comparison table. By requesting a free estimate or applying, you can directly compare terms with other companies and confirm the specific fee rates applicable to your situation.
Pros and Cons of Act Will
Organizing the pros and cons of Act Will yields the following:
| Pros | Cons |
|---|---|
| Low fee structure starting from 1% | No clear upper limit on fees; actual applicable rate is not confirmed before application |
| Fastest review time of just 60 minutes | Requires effort to submit necessary documents via fax or mail |
| Same-day funding available | May not support funding on weekends or public holidays |
| Proprietary screening allows approval even if rejected by other companies | Purchase amount capped at a relatively small scale of up to 5 million JPY |
| Peace of mind as a registered money lending business | Some information suggests services are limited to corporations, excluding sole proprietors |
| Option to receive cash in hand | Phone lines may be unreachable during business hours |
| Potential to reduce fees by switching from other providers | Initial usage may incur higher fees (e.g., 8%) |
| Relatively high approval rate of 65% or more | Does not support fully online completion |
The core advantages boil down to low fees and fast review speeds. The minimum fee of 1% is lower compared to other companies' ranges of 2% or 12%, with user reviews reporting cost reductions achieved by switching providers. A review time of just 60 minutes is overwhelmingly faster than the two weeks required for bank loans, enabling responses to urgent payments.
The most critical drawback to note is that the applicable fee rate is not confirmed prior to application. The 1% figure is merely a minimum; in cases of first-time use or urgent requests, rates can reach around 8%. President Yamada weighed whether he could accept these drawbacks, reasoning, "Even if it's not 1%, anything lower than our current 12% is sufficient."
The hassle of document submission can be managed since the company accepts fax and mail, provided one does not insist on a fully online process. Regarding funding on weekends and public holidays, this is not an issue if applications are submitted on weekdays. The purchase cap of 5 million JPY falls well within President Yamada's needs. Furthermore, the limitation to corporations only poses no problem, as President Yamada's company is incorporated.
While drawbacks exist, in President Yamada's situation, it was determined that the benefits of fee reduction and speed outweigh the disadvantages.
How It Works: 4 Steps from Application to Funding
The process for using Act Will consists of the following four steps.
Step 1: Application Apply via phone (0120-449-168) or through the web form. That's all it takes to get started. Simply provide your company name and an overview of your accounts receivable to proceed to the quotation stage.
Step 2: Quick Preliminary Review A preliminary review is completed in as little as 60 minutes. At this stage, you will be presented with the applicable fee rates and the eligible purchase amount. President Yamada noted, "Being able to compare these terms with my current 12% rate at this stage significantly reduced my pre-application anxiety."
Step 3: Review Results Once the review results are notified, submit the required documents via fax or mail. While the process is not fully online and requires some effort to prepare paperwork, user reviews indicate that dedicated staff will keep you updated on the progress.
Step 4: Contract Execution Funds are transferred to your designated account, or a representative delivers cash directly. There are reports of same-day funding, making it easy to meet urgent payment deadlines.
The key advantage of this workflow is that there are no costs associated with the free quotation or application stages, and you can withdraw at any time. Since you can decide whether to proceed with the contract after seeing the review results, there is no pressure feeling that "once you apply, you must sign." President Yamada decided, "Let's start by getting a quote and sign the contract only if the terms are suitable."
By checking the latest terms on the official website, you can understand the required documents and the entire process before applying.
Who Is It Best For? The Verdict
Act Will is ideally suited for corporations currently using high-fee providers, businesses with urgent funding needs, or companies that have been rejected by other lenders.
There are two primary reasons for this. First, the company boasts a track record of significantly lower fees, starting from just 1%, with many clients seeing substantial reductions after switching providers. User reviews report cases where fees dropped from 12% to 3%, making the switch highly valuable for corporations dissatisfied with their current factoring company's rates. Second, Act Will offers an exceptionally fast review process—completed in as little as 60 minutes—based on its own unique underwriting criteria. When traditional bank financing takes two weeks for approval, it cannot address sudden payment obligations. The ability to approve applications based on proprietary standards, even for businesses rejected elsewhere, provides a crucial lifeline for companies with limited financing options.
Conversely, Act Will is not suitable for sole proprietors, corporations requiring large-scale funding exceeding 5 million JPY, or those seeking a fully online process. Information suggests that sole proprietors are not eligible for service, and the purchase limit of 5 million JPY is insufficient for major capital requirements. Furthermore, since the service does not support a completely digital workflow, it is ill-suited for individuals who wish to avoid the hassle of mailing documents or sending faxes.
President Yamada realized that switching from an existing factoring provider charging 12% in fees could potentially save his company millions of yen annually. Obtaining a free quote or submitting an application involves no cost and represents a reversible first step. Business owners should simply check the terms and compare them against their current fees before making a decision. For executives facing urgent payment deadlines, taking this initial step carries minimal risk.
Please note that factoring fees, review timelines, and funding speeds vary depending on the specific case. Unlike illegal lending or salary-based factoring schemes, Act Will is a registered lender that legally purchases accounts receivable. While we cannot make exaggerated claims such as "fastest ever" or "guaranteed approval," an analysis of public information and user reviews indicates that this is a service well worth considering for both fee reduction and rapid access to capital.
Methodology and Disclosure
Verification Method: This article was created based on public information verified as of 2026-08-18. Our editorial team has not actually contracted or used the services mentioned. The explanations 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 find any errors in the content, please report them via our contact form.
Affiliate Disclosure: This article contains affiliate links, through which we may earn a commission at no additional cost to you. These commissions do not influence our evaluations or rankings.
Frequently Asked Questions
Is the fee really from 1%?
The official website states fees range from 1% to 20%, but 1% is the lower limit, and the actual rate is not confirmed before application. For first-time users or urgent requests, rates around 8% have been reported, and switching from another company often results in lower fees.
Can sole proprietors use the service?
Act Will is a service for corporations, and information suggests that sole proprietors are not eligible. You should check the official website or contact them before applying. If you are a sole proprietor, we recommend considering other factoring services.
I was rejected by another company. Is that okay?
Act Will has its own screening criteria and states that they can handle cases where other companies have rejected applicants. They advertise an approval rate of 65% or higher, so even corporations rejected elsewhere have a certain chance of approval.
Do they operate on weekends and holidays?
The article does not specify weekend or holiday availability. The 60-minute screening and same-day deposit cases are primarily from weekdays. For urgent funding needs, we recommend checking business hours and availability in advance via the official website or phone.
Can the process be completed online?
The article does not specify whether the process can be completed online. Deposit methods include bank transfer or a representative delivering cash in person, and applications are expected to be made by phone. Check the official website for online procedure availability.
What is the maximum purchase amount?
The maximum purchase amount is up to 5 million yen (conditions apply). This is suitable for small-scale funding and not for large capital needs. It can cover urgent payments of several million yen, such as fuel costs or payroll.
How long does it take from application to deposit?
Screening can be completed in as little as 60 minutes, with same-day deposit possible. In actual reviews, there are cases where screening was completed in about 1 hour from a phone call, and the transfer to the designated account was completed in about 2 hours. However, it may take longer depending on circumstances.
What documents are required?
The article does not specify the exact required documents. In general factoring, you may need invoices for accounts receivable, contracts, a company registration certificate, and financial statements. Confirm the exact documents at the time of application.
Sources
This article is based on publicly available information as of 2026-08-18.
- actwill.co.jp
- actwill.co.jp
- actwill.co.jp
- fundbridge.jp
- jp-fs.jp
- money-map.jp
- fackomi.com
- facpita.jp
- fundbridge.jp
- financelaw.jp
- a-tm.co.jp
- money-map.jp
- finance.protocol.ooo
- facutto.jp
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