Verification Status: This article is an explanation based on publicly available information (no actual use or trading by the editorial team).
"I've been turned down by banks and can't pay for vehicle repairs..." That's the situation a trucking company president found himself in before finally turning to "Act Will," a business loan specialized for the transportation industry. This service offers review in as little as 60 minutes with same-day funding, and provides access to up to 100 million yen in capital. What is the actual reputation of this service? For corporate managers struggling with operating funds, here is a thorough explanation based on publicly available information.
Conclusion: Act Will is a powerful option for transportation companies that have difficulty obtaining bank loans, supporting their cash flow with speed and flexibility. It is especially recommended for managers who need large loans utilizing accounts receivable or who value face-to-face, attentive support.
Cash Flow Crisis in the Trucking Industry: The Case of President Yamada
Image source: actwill.co.jp (official website) — cited for identification of the reviewed product
President Taro Yamada is the CEO of "Yamada Transport Co., Ltd.," a company with 20 employees and annual sales of ¥80 million. In recent months, the smile has vanished from his face. Soaring fuel costs have been squeezing profits, and to make matters worse, the engine of his main truck broke down. The repair estimate came in at ¥5 million. With little working capital to spare, a gap in his delivery schedule is imminent, threatening to erode the trust of his clients.
Desperate, he applied for a loan from his main bank, but was turned down flat due to the weak numbers on his financial statements. The trucking industry faces structural challenges: not only rising fuel and labor costs, but also long accounts receivable collection periods. Even when profits are positive, cash on hand is often tight. President Yamada spent sleepless nights thinking, "At this rate, my business won't survive."
What is Act Will? Basics of Business Loans Specialized for the Trucking Industry
Yamada, the company president, was introduced to "Act Will" by a business partner who mentioned, "There's a loan specifically for the trucking industry." Act Will is a non-bank lender specializing in business loans for corporations in the transportation sector. Unlike general business financing from banks, its products are designed with a deep understanding of the cash flow realities unique to the trucking industry.
What first caught Yamada's attention was the speed. Act Will offers screening in as little as 60 minutes and same-day funding, providing a system capable of responding to urgent capital needs. The maximum loan amount is 100 million yen. Furthermore, by using accounts receivable from the trucking business as collateral, it's possible to secure financing of up to 200 million yen. While the basic terms are unsecured and without a guarantor, a personal guarantee from the company representative is required.
The service is available nationwide with no need to visit an office. Instead, a representative visits the company directly for in-person consultations. This sets it apart from online-only loans that handle everything through document exchanges. In terms of interest rates, a campaign offering 30 days interest-free is available, allowing businesses to secure funds while keeping initial costs low. The product lineup includes several options such as credit guarantee loans, real estate collateral loans, and commercial bill discounting, enabling companies to choose a method that fits their situation. Yamada felt, "This is worth at least hearing about," and began gathering information in earnest.
Comparing Interest Rates and Fees with Other Companies
The most important factor when raising funds is cost. Act Will's interest rates vary by product, with different ranges set for each. Credit guarantee loans have an APR of 10.00% to 20.00%, real estate secured loans range from 8.00% to 15.00%, and business loans for the transportation industry are set at 3.00% to 15.00%. While these may seem higher compared to bank business loans, they should be viewed as a trade-off for screening flexibility and speed.
Let's compare costs and conditions with other funding options.
| Item | Act Will | AG Business Support | HT Finance | Bank Loans (General Business Loans) |
|---|---|---|---|---|
| Interest Rate (APR) | 3.00% to 20.00% | 3.1% to 18.0% | 8.0% to 18.0% | From 1% range (low level) |
| Loan Limit | Up to 100 million yen (up to 200 million yen with receivables collateral) | 500,000 yen to 10 million yen | Up to 100 million yen | Tens of millions to hundreds of millions of yen |
| Screening Speed | As fast as 60 minutes | — | — | Several weeks or more |
| Target Applicants | Corporations (annual revenue of 50 million yen or more recommended) | Corporations and sole proprietors | Corporations and sole proprietors | Corporations and sole proprietors |
| Collateral/Guarantee | Unsecured, no guarantor (personal guarantee from representative required) | Unsecured | Unsecured | Collateral/guarantee may be required |
| Online Support | In-person visits are standard | — | Fully online possible | In-person is standard |
| Support System | Transportation industry specialist, representative visits | — | — | General business loans |
AG Business Support offers small loans available to sole proprietors, but the loan cap is limited to 10 million yen. HT Finance is suited for businesses that prioritize online completion. Bank loans are overwhelmingly advantageous in terms of interest rates, but screening is strict and time-consuming. Act Will has carved out a unique position with its specialized proposals for the transportation industry and the ability to offer large loans backed by accounts receivable.
Notably, there is a 30-day interest-free campaign. If used as short-term bridge financing, it may be possible to effectively reduce the interest burden to zero. However, since interest rates are determined through individual screening, it is important to first check your company's conditions through a free assessment.
The Reality of Screening Speed and Required Documents
What President Yamada cared about most was: "Once I apply, when will the funds actually reach my hands?" The process from Act-Will application to loan disbursement is divided into four main steps.
Step 1: Inquiry / Consultation Contact them by phone or via the inquiry form. A free consultation is available at this stage, allowing you to check the likelihood of receiving a loan and the general terms in advance.
Step 2: Preliminary Screening / Document Guidance After a preliminary assessment, you are guided on the documents required for the full screening. Specifically, recent financial statements and copies of your business account passbook are requested. President Yamada prepared the financial documents he had received from his accountant and copies of his main bank passbook.
Step 3: Full Screening / Contract Procedures Once the documents arrive, the full screening begins. The so-called "60-minute fastest screening" is an estimate for cases where all required documents are complete and the review proceeds smoothly. If documents are incomplete or there are many items to verify, it will naturally take longer. After passing the screening, you receive an explanation of the loan amount, interest rate, and repayment plan, and then sign the contract.
Step 4: Loan Disbursement After the contract is finalized, the funds are transferred to the designated bank account. In some cases, the representative may deliver the cash in person. It is possible to receive the funds on the same day in the fastest scenario.
When the representative visited his company, President Yamada felt encouraged by the thorough interview about the actual state of his business—details not visible from the financial statements alone—and about future order prospects. While same-day funding is only "possible in certain cases" and not guaranteed, it is certainly a much more realistic speed compared to the weeks-long screening process at a bank.
Actual User Reviews: Benefits and Points to Note
As Yamada continued his research, he became curious about what actual users had to say. After checking multiple review sites and articles, he found 8 reviews, which included both positive feedback and critical comments.
Let's start with the positive voices.
The loan approval speed was very fast, and they were able to respond to my urgent funding needs immediately. The representative was also very polite, thoroughly explaining any questions or concerns I had, which made me feel at ease. (From multiple review sites)
I needed a lump sum of working capital, so I applied for a 5 million yen credit guarantee loan. The representative came directly to my office and listened to me in person, which gave me a great sense of security. (From multiple review sites)
Even though our company's annual sales aren't that large, they still carefully reviewed and approved our loan. What really helped was that they proposed a loan plan using our vehicle as collateral. (From multiple review sites)
These reviews highlight the speed and trustworthiness of their in-person support. The qualities that a transportation company president values—"ability to respond to urgent funding needs" and "proposals that understand the business"—seem to be well-regarded in actual user experiences.
On the other hand, there were also some negative comments.
I couldn't apply because they said self-employed individuals without corporate registration are not eligible. It was written on their website if I had looked more carefully, but I assumed a business loan would also be available to individuals. (From multiple review sites)
This comment is clear evidence that Act Will is "corporation-only." In principle, sole proprietors and freelancers cannot use their services. Additionally, some reviews noted that "the screening process is slow." The "minimum 60 minutes" is only the fastest case, and it's important to understand that it may take longer depending on the situation.
Furthermore, it's worth mentioning that the company received an administrative penalty in 2023. This was not due to illegal interest rates or debt collection practices, but rather a "staffing issue" under the Money Lending Business Act. The issue has since been resolved, and the company maintains its registration as a legitimate money lender (registered with the Tokyo Metropolitan Government and a member of the Japan Money Lenders Association). The fact that they have over 12 years of business history can also serve as a factor in assessing their reliability.
After reviewing the overall picture of the reviews, President Yamada felt that "this service is a good fit for me as a corporate owner in the transportation industry." At the same time, he kept in mind that the screening speed varies by case and decided to apply with a flexible schedule.
Thorough Comparison with Competitors: Why Act Will is the Choice
President Yamada not only considered Act Will but also compared other options. Here, we will compare Act Will with its main competitors and alternatives, and organize the pros and cons of each.
| Comparison Axis | Act Will | AG Business Support | HT Finance | Bank Loans |
|---|---|---|---|---|
| Loan Limit | Up to 100 million yen (up to 200 million yen with accounts receivable collateral) | 500,000 yen to 10 million yen | Up to 100 million yen | Tens of millions to hundreds of millions of yen |
| Interest Rate (APR) | 3.00% – 20.00% | 3.1% – 18.0% | 8.0% – 18.0% | From around 1% |
| Screening Speed | As fast as 60 minutes | — | — | Several weeks or more |
| Eligible Applicants | Corporations (annual sales of 50 million yen or more recommended) | Corporations & sole proprietors | Corporations & sole proprietors | Corporations & sole proprietors |
| Specialized in Transportation | Yes | No | No | No |
| In-Person Support | Representative visits | — | Fully online | In-person |
| Collateral | Unsecured (accounts receivable and real estate collateral options also available) | Unsecured | Unsecured | Collateral may be required |
AG Business Support offers small loans starting from 500,000 yen and is also available to sole proprietors. It is suitable for quickly raising small amounts of working capital, but with a maximum loan of 10 million yen, it can be an option for President Yamada's need for over 5 million yen, though it is not ideal for larger amounts.
HT Finance offers loans up to 100 million yen with a fully online process. This is attractive for business owners who want to avoid in-person meetings, but it cannot be expected to provide specialized proposals for the transportation industry.
Bank loans are the most advantageous in terms of interest rates, but the strict screening process and time required are drawbacks. For business owners like President Yamada who have already been turned down by banks, this is hardly a realistic option.
Considering these factors, Act Will stands out for its product design specialized for the transportation industry, large loans of up to 200 million yen using accounts receivable, and thorough in-person support. The flexibility to consult even corporations with deficit financial statements or excess liabilities that would struggle to get bank loans is a significant value for business owners in the transportation industry. President Yamada, thinking "I want to rely on the specialized proposals that only a transportation industry expert can offer," has placed Act Will as his top candidate.
Who Act Will Is Suitable For (and Who It Isn't)
Based on the information so far, President Yamada calmly assessed whether he fits the profile of someone Act Will is "suitable for."
Who Act Will Is Suitable For
- Corporate executives running a transportation business with annual sales of 50 million yen or more
- Those who have been rejected by bank loans or cannot afford to spend time on the screening process
- Those who urgently need quick access to working capital or equipment investment funds
- Those who hold a large amount of accounts receivable and want to explore large-scale loans using them
- Those who value face-to-face consultations and seek proposals that understand the actual state of their business
Who Act Will Is NOT Suitable For
- Sole proprietors or freelancers (no corporate status)
- Small corporations with annual sales below 50 million yen
- Those who prioritize low interest rates above all else and are willing to pursue bank loans even if it takes time
- Those who want to complete all procedures online
Let's apply this to President Yamada's case. He runs a corporation with annual sales of 80 million yen, and has already been rejected for a bank loan. He urgently needs 5 million yen in working capital and also has accounts receivable. He also prefers face-to-face consultations. He perfectly meets the conditions of someone who is "suitable." On the other hand, he does not meet any of the conditions for those who are "not suitable." This self-diagnosis was the deciding factor that pushed President Yamada forward. First, let's check the specific loan conditions for his company through a free screening.
Application to Funding Process & Why You Should Try a Free Assessment
After reviewing all the information, President Yamada concluded, "Even just hearing them out is worth it." With a free assessment, you can find out exactly what loan terms your company qualifies for without any financial risk. You can also check at this stage whether you're eligible for the 30-day interest-free campaign.
Let's review the usage process:
- Inquiry & Consultation: Contact via phone or form to request a free consultation.
- Preliminary Screening & Document Guidance: After an initial assessment, submit required documents such as financial statements and bankbook copies.
- Full Review & Contract Procedures: Once documents are received, a full review is conducted. If approved, you'll receive details on the loan amount and interest rate before signing the contract.
- Loan Disbursement: After the contract is finalized, funds are transferred to your designated account. Same-day disbursement is possible in some cases.
The biggest advantage of a free assessment is that it expands your financing options with zero out-of-pocket cost. The review process is also quick, with results available in as little as 60 minutes, minimizing time loss. President Yamada was convinced that this "ease of trying" is the crucial first step for business owners under pressure.
Summary: Start with a Free Credit Check to Find a Cash Flow Solution
After being turned down by banks and struggling with cash flow, Mr. Yamada, the president of Yamada Transport, ultimately turned to Act Will. It became clear that for corporate owners in the transportation industry, Act Will is a strong option that combines speed and flexibility. Even when bank loans are difficult to obtain, they may offer financing plans leveraging accounts receivable or vehicles, and their in-person, attentive support can ease the anxiety of business owners.
Of course, the interest rates are higher than those of banks, and the service is limited to corporations. However, the speed to meet urgent working capital needs and the ability to propose solutions that understand the realities of the transportation industry offer value that other financial services cannot easily replace.
Submitting a free credit check application is the first step to expanding your cash flow options with zero out-of-pocket cost. Why not start by checking the latest terms on the official website and exploring the possibilities for your company?
*Note: Act Will, introduced in this article, is a business loan that requires repayment and differs from factoring, which involves the sale of receivables. Since screening results and interest rates are determined individually based on each applicant company's situation, this does not guarantee that "everyone will pass" or that "you will definitely be able to borrow."
Methodology & Disclosure
Verification Method: This article was prepared based on publicly available information as of . The editorial team has not personally subscribed to or used the services mentioned. This content is based on publicly available information (official websites, third-party reviews, and user feedback). Service details, fees, and promotions are subject to change, so please check the official information before applying.
Editorial Information: The editorial policy and evaluation criteria for this article are described in the Editorial Policy, and the verification process is outlined in the Evaluation Methodology. If you find any errors, please report them to our contact desk.
Affiliate Disclosure: This article contains affiliate links, and the site may receive compensation at no additional cost to readers. This compensation does not affect the content of our evaluations.
Frequently Asked Questions
Does Act Will really complete screening in as little as 60 minutes?
That is an estimate when all required documents are ready and the screening proceeds smoothly. It may take longer if documents are incomplete or there are many items to verify, so it is not guaranteed.
Can a sole proprietor use Act Will?
The target is corporations (with annual sales of at least 50 million yen as a guideline); sole proprietors are not eligible. This service is for corporate transport business owners.
Are Act Will's interest rates high?
They are higher compared to bank loans, but that is a trade-off for screening flexibility and speed. There is also a 30-day interest-free campaign, which may help reduce the burden for short-term use.
Is Act Will a loan shark?
Act Will is a non-bank lender specializing in corporate loans and is not a loan shark. However, it has a history of administrative sanctions, so we recommend checking the latest registration status before signing a contract.
I heard it received administrative sanctions. Is it safe?
It has indeed received administrative sanctions in the past, but it continues to operate and is used as a business loan for the transport industry. To verify safety, check the lender's registration number and make your own informed decision.
What can I learn from a free screening application?
The free consultation allows you to check the likelihood of funding and general conditions in advance. Since interest rates and loan amounts are determined by individual screening, exact terms will be provided after the full review.
What documents are required?
Recent financial statements and copies of business account passbooks are needed. Specific documents will be provided after the preliminary screening. Having your tax accountant prepare the financial statements in advance can streamline the process.
What is the repayment period?
The article does not specify the repayment period. It varies by product, so you will receive details from the representative at the time of contract.
Sources
This article is based on publicly available information as of 2026-07-29.
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