Act Will (Factoring) Review: Fees from 1%, Same-Day Funding, and How to Use It in 2026

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

With month-end payments looming and client receivables still pending, business owners struggling with cash flow are presented with an option called "Act Will." This service claims to complete screening in as little as 60 minutes and provide funds on the same day—but is it too good to be true?

Act Will is a registered provider offering factoring for businesses with fees starting at 1% and same-day funding. It is worth considering especially for companies turned down by other lenders due to their unique screening process, or for those looking to reduce fees by switching providers.

What Is Factoring, the Lifeline for Cash Flow Crunches?

Koichi Tanaka (a pseudonym), who runs an IT-related small business in Tokyo, has been unable to sleep for the past few months. His major client's payment terms are as long as 60 days, and the more orders he takes, the more his working capital dries up. When he approached banks for a loan, they turned him away, citing the difficulty based on his financial statements. Every time his cash on hand ran low, he felt a sharp pang of anxiety in his stomach.

In such situations, "factoring" becomes a reliable solution. Factoring is a financing method where a company sells its accounts receivable (invoices) to a specialized firm before the payment due date, converting them into cash. Unlike bank loans, which involve "borrowing," this is a sale of assets rather than liabilities, so it is not recorded as debt on the balance sheet. This off-balance-sheet feature is a major advantage for business owners concerned about their financial health.

Act Will is a registered moneylender specializing in factoring. It offers fees starting from 1%, among the lowest in the industry, with screening completed in as little as 60 minutes and same-day funding available if conditions are met. It handles both two-party and three-party factoring and provides not only bank transfers but also a service where a representative delivers cash directly. For business owners like Tanaka, who find bank loans out of reach but have trustworthy debtors, this is certainly an option worth considering.

ActWill's Strengths: A System That Achieves 1% Fees and Same-Day Funding

"I used to pay 12% in fees with other companies, but with ActWill, it dropped to 3%." — This is a comment left by one user across multiple review sites. The reasons Act Will has gained support from many businesses can be summed up in three main pillars.

First, the low fees. The official website states that fees for two-party factoring start at 1%. This is among the lowest rates in the industry. In fact, there are multiple reports of fees dropping significantly after switching from other providers. One case involved a ¥4 million accounts receivable, where fees were reduced from ¥480,000 to ¥120,000. On an annual basis, this could translate into cost savings of several million yen. However, 1% is just a lower benchmark; actual fees vary depending on the creditworthiness of the debtor and transaction history. It's worth noting that first-time users may see fees around 8%.

Second, the speed from application to funding. After applying by phone or via the web form, Act Will completes a preliminary screening in as little as 60 minutes. If you apply in the morning, you could have funds in hand the same day. This speed is largely due to their unique screening criteria. While other companies focus on financial statements and past credit history, Act Will makes flexible decisions centered on the debtor's creditworthiness. As a result, even businesses that failed screening elsewhere have a higher chance of approval. The approval rate is publicly stated at 65% or higher, indicating ample room for reapplication.

Third, the peace of mind backed by over 12 years of track record. Act Will is a licensed moneylender registered with the Tokyo Metropolitan Government, with years of operational experience in the factoring market. Multiple review sites also praise their staff's responsiveness, with comments like "they explained everything carefully even to a beginner" and "they provided detailed progress updates." Since fundraising is a critical decision at the core of business management, track record and service quality are factors that cannot be overlooked. For the latest fees and terms, check the official website.

In-Depth Comparison – Act Will vs. Competitors and Financing Options

Even after learning about Act Will, Tanaka didn't jump in right away. He felt it was necessary to properly compare it with other factoring companies and financing options. Below is a comparison table of the main alternatives.

What emerges from this comparison is that Act Will stands out with a triple combination of "small amounts, speed, and low fees." With a maximum purchase amount of ¥5 million, it's a small-scale option and not suitable for large capital needs. However, for someone like Tanaka who needs to raise "a few million yen in working capital as quickly and cheaply as possible," it's an unmatched fit. For business owners who can't afford the time for bank loan screening and want to avoid the interest burden of credit cards, Act Will offers a realistic solution. Since a free quote lets you check your company's terms without risk, it's well worth reaching out to them first.

Reviews & Reputation—Pros and Cons from Real Users

Evaluations of Act Will are generally favorable across multiple review sites. In particular, comments highlighting the speed of screening and deposits, low fees, and staff responsiveness stand out. On the other hand, a small number of users point out high initial fees and delays in communication. Here are some actual user testimonials.

From calling to screening completion, it really took about an hour. The claim of speedy screening was no exaggeration. (Multiple review sites)

I called at 10 a.m., and by noon, 2 million yen had been deposited into my designated account. The deposit in about two hours was incredibly fast. (Multiple review sites)

The fee, which was 12% at another company, dropped to 3% with Act Will. For a 4 million yen accounts receivable, the fee went from 480,000 yen to 120,000 yen, saving millions of yen annually. (Multiple review sites)

I was new to factoring, but the representative carefully explained everything from the factoring mechanism to how fees work, starting from scratch. (Multiple review sites)

These comments show that Act Will's value proposition of "speed," "low fees," and "flexible screening" is being delivered in real-world scenarios. In particular, reports of significant fee reductions when switching from other companies provide a strong incentive for businesses already using factoring.

On the other hand, there are also some criticisms:

After being asked to submit documents multiple times, they failed to contact me by the promised date without any apology. And it happened twice. Despite advertising same-day service, I was kept waiting for a week. (Multiple review sites)

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 of securing 2 million yen on the same day, I felt it was a worthwhile investment.

Reports of communication delays are very few but do exist. Additionally, cases where the initial fee is around 8% can be unexpected for businesses applying expecting low fees. That said, as the latter comment shows, many users find the service satisfactory when factoring in speed and reliability. The key is to confirm what your specific terms will be during the free quote stage.

Easing Your Concerns – "Is It a Loan Shark?" "Is It Really Same-Day?" Answers to Common Questions

When hearing the term "factoring," many business owners associate it with illegal loan sharks or salary factoring. Here, we address the common questions and realities regarding Act Will.

"Is this a legitimate company?" – Act Will is a registered money lender under the Tokyo Metropolitan Government (Registration No. 5) No. 31521, with over 12 years of experience in the lending industry. It operates under strict registration and supervision, clearly distinguishing itself from illegal operators.

"Can sole proprietors use it?" – According to the official landing page, it is explicitly stated as "for corporations only." While some review sites suggest sole proprietors may be eligible, it is safest to understand that sole proprietors are not covered based on the company's official statement.

"Is the fee really from 1%?" – The 1% figure is merely a lower-end guideline. Actual fees vary depending on the creditworthiness of the accounts receivable debtor and transaction history. Some first-time users report fees around 8%. However, there are also cases where fees dropped to 3% or 5% after switching, making low-cost usage possible depending on conditions.

"Is same-day funding real?" – If conditions such as a morning application, complete required documents, and the debtor's creditworthiness are met, there are multiple cases of funding within 60 minutes to 2 hours. However, depending on document issues or application timing, it may be processed the next business day or later.

"Will I fail the screening?" – The company publicly states a screening pass rate of 65% or higher. Moreover, thanks to its unique screening criteria, it may be able to handle cases that were rejected by other companies. This suggests a system that evaluates the actual state of a business beyond what financial statements alone can show.

Usage Flow – 5 Steps from Application to Funding

Using Act Will involves the following 5 steps. Let's walk through the process as Tanaka would likely follow it, checking the key points at each stage.

Step 1: Apply by Phone or Web Form First, call 0120-449-168 (weekdays 10:00–18:00) or submit the required information via the web form. At this stage, you will provide details such as your company name, desired amount, and information about your accounts receivable. The quote is free, and submitting an application does not immediately create a contract. You can inquire casually, with the intention of checking the terms first.

Step 2: Preliminary Screening (As Fast as 60 Minutes) After a phone interview, a preliminary screening is conducted. What matters most here is not the applicant company's financial statements, but the creditworthiness of the accounts receivable. Therefore, even businesses with concerns about their own financial situation are more likely to pass if their receivables are stable. The screening result is notified in as little as 60 minutes.

Step 3: Submit Required Documents Once you pass the preliminary screening, submit the required documents such as identification, a copy of your bankbook, and invoices via fax or mail. Since the process is not fully online, some users may find this step a bit cumbersome. However, ensuring all documents are in order leads to faster funding afterward.

Step 4: Final Screening and Contract The final screening is conducted as soon as the documents arrive. After the screening is complete, you will receive an explanation of the contract terms, and the contract is formed upon agreement. Fees, funding dates, and other conditions are clearly presented at this stage.

Step 5: Funding (As Fast as Same Day) After the contract, you receive the funds via a transfer to your designated account or by cash handover from a representative. The cash handover service is especially useful in emergencies when you cannot wait for a bank transfer. No additional fees are incurred.

Who Is It Best For? — Cases Where Act Will Fits

Based on the information above, Act Will is especially suited for the following types of businesses:

• Companies needing urgent funding: With reviews as fast as 60 minutes and same-day deposits, this speed proves invaluable when payment deadlines are looming.
• Businesses that failed factoring applications with other companies: Thanks to unique screening criteria, there’s room for a second attempt. In fact, there are multiple reports of cases where “other companies turned them down, but Act Will accepted the deal.”
• Those looking to switch and reduce current factoring fees: Fee rates starting at 1% offer significant cost savings through switching. In some cases, this can mean a difference of millions of yen per year.

On the other hand, it’s not suitable for the following needs:

• Sole proprietors: Since the service is officially for corporations only, sole proprietors need to consider other options.
• Large-scale funding exceeding 5 million yen: With a maximum purchase limit of 5 million yen, those looking to cash in larger accounts receivable should consider other providers with higher limits.
• Those wanting to complete everything online: Since document submission via fax or mail is required, it’s not ideal for businesses that prefer to handle everything online.

Thinking back to Tanaka’s case, his need was to “secure working capital of several million yen faster than bank loans and cheaper than his current factoring.” This is exactly where Act Will excels. By checking your own terms at the free quote stage, there’s virtually no risk. Taking that first step and reaching out could be the turning point that frees you from cash flow worries.

*Factoring fees, screening criteria, and deposit times vary depending on the applicant company’s situation and the creditworthiness of the accounts receivable debtor. The content of this article is based on publicly available information, and final terms should be confirmed on the official website. Additionally, unlike illegal lenders or salary factoring, Act Will is a properly registered lender, but be sure to verify fees and contract terms yourself before signing, and use the service only under a manageable financial plan.

Methodology and Disclosure

Verification Method: This article is based on publicly available information verified as of 2026-07-17. The editorial team has not entered into or used the services in question. This content is an explanation based on publicly available information (official websites, third-party reviews, and user feedback). Since service details, fees, and promotions are subject to change, please always 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 via our contact form.

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Frequently Asked Questions

Are Act Will's fees really from 1%?

The official website states factoring fees from 1% for two-party factoring, but this is a lower-bound estimate. Actual fees vary based on the creditworthiness of the account debtor and transaction history; first-time users may see fees around 8%.

Can sole proprietors use Act Will?

The article specifies Act Will is for corporations and does not mention sole proprietors. Therefore, eligibility for sole proprietors is outside the scope of this article.

Is it possible to be rejected? What are the approval criteria?

The published approval rate is 65%–, so rejection is possible. The criteria focus on the creditworthiness of the account debtor, with a flexible assessment that goes beyond financial statements and past credit history.

What conditions allow same-day funding?

After preliminary approval in as little as 60 minutes, same-day funding is available if conditions are met. Applying in the morning can result in same-day funding, but specific conditions depend on the account debtor's credit and transaction details.

What documents are required?

The article does not list specific documents. After applying by phone or web form, the required documents are likely provided during the process. Please check the official website for details.

Can I switch from another factoring company?

Yes. There are cases where fees dropped from 12% to 3% with Act Will, and a 4 million yen receivable saw fees reduced from 480,000 yen to 120,000 yen.

Is support available on weekends and holidays?

The article does not mention weekend or holiday support. The speed of approval and funding likely assumes weekdays. Please check the official website for details.

How does the cash-in-hand service work?

Act Will offers a service where a representative delivers cash directly. Specific usage instructions are not in the article; it is assumed details are provided when applying by phone or web form.

Sources

This article is based on publicly available information as of 2026-07-17.

• actwill.co.jp
• fundbridge.jp
• money-map.jp
• jp-fs.jp
• kujaku-x.com
• facpita.jp
• finance.protocol.ooo
• facutto.jp
• toc-tax.jp
• factoring-navi.jp