Verification Status: This article is an explanation based on publicly available information (the editorial team has not conducted actual usage or trading).
Conclusion: AdPlanning (factoring) advertises fees of 2%–10%, approval in as little as 30 minutes, and same-day fund transfers. It is particularly suitable for business owners who need to convert accounts receivable into cash quickly but struggle to secure bank loans due to net losses or tax arrears. Multiple comparison sites have praised its "flexible screening" and "low fee levels."
Month-end payments coincided with client deposits. With operating funds depleted and a bank loan rejected due to a net loss, Kobayashi Makoto (a pseudonym), a small-to-medium enterprise owner grappling with these cash flow challenges, one day came across an advertisement for "same-day accounts receivable monetization."
A Typical Case of Cash Flow Woes: The Situation of Mr. Kobayashi (Pseudonym)
Image Source: adp-jpn.co.jp (Official Website) — Cited for identification purposes in this review
Mr. Makoto Kobayashi (a pseudonym) is a representative in his 40s running a small-to-medium-sized advertising production company in Tokyo. While his sales are stable, the payment terms for his major clients are as long as 60 days. At the end of the month, payments for subcontractors and employee salaries overlap, leaving him with only enough cash on hand to cover operations for another two weeks.
He approached his bank for additional financing but was rejected due to a net loss in his most recent financial statements. Accounts receivable certainly exist; however, it takes 60 days for them to convert into cash. Suppliers and employees cannot wait for payment. Mr. Kobayashi searched for "instant cash conversion of accounts receivable" and learned about the mechanism of factoring for the first time.
This situation is by no means unique to Mr. Kobayashi. For sole proprietors, SME owners, and finance officers, it is common to struggle with long collection periods for accounts receivable while chasing daily payments. Especially when there is a net loss or overdue taxes, the hurdle for obtaining bank loans rises sharply. In such times, factoring—"selling accounts receivable to secure early cash conversion"—emerges as one of the options for managing cash flow.
What is Adplanning (Factoring)? A Mechanism to Convert Receivables into Cash Early
Factoring is a mechanism that converts accounts receivable into cash by selling them before their due date. Since it is not a loan, liabilities do not increase. Adplanning is a service provided by Adplanning Co., Ltd., a company specializing in this type of factoring. Established in 2019, it serves corporations and sole proprietors nationwide through a fully online process.
The first concept Mr. Kobayashi needed to understand was the idea of "selling accounts receivable." While bank financing involves borrowing with an obligation to repay, factoring involves the transfer of accounts receivable held by your own company. Therefore, even if your financial statements show a deficit, the creditworthiness of your debtor becomes the central focus of the review. This is the decisive difference compared to bank financing.
The key features of Adplanning can be summarized as follows:
- Purchase amounts range from 100,000 yen to 100 million yen, accommodating everything from small invoices to large accounts receivable.
- Supports both two-party and three-party arrangements; if you wish to convert receivables to cash without the debtor knowing, you can choose the two-party option.
- Fully online with no need to visit an office. You can complete the application and contract process via smartphone or PC.
- Designed to meet urgent funding needs, boasting review times as fast as 30 minutes and same-day fund transfers.
In two-party factoring, the transaction is completed solely between the user and the factoring company. Since the debtor remains unaware, this option is chosen when one wishes to avoid impacting business relationships. On the other hand, three-party factoring involves the debtor in the transaction and generally tends to have lower fees. The choice between the two depends on balancing the fees against the potential impact on business relationships.
Fees of 2%–10% and Fast 30-Minute Review: Strengths and Key Considerations
AdPlanning clearly states that its fees range from 2% to 10% for two-party factoring, with no additional charges beyond the fee. Fees for three-party factoring are not listed on the official website and must be obtained through individual quotes. This 2% lower bound has been rated as "low-level fees" by multiple factoring comparison sites.
| Item | Details |
|---|---|
| Fee (Two-Party) | 2%–10% |
| Fee (Three-Party) | Not disclosed (individual quote) |
| Additional Fees | None whatsoever |
| Review Time | As fast as 30 minutes |
| Fund Transfer | Same-day availability |
| Purchase Amount | ¥100,000 – ¥100 million |
| Approval Rate | 88% or higher |
| Eligibility | Corporations and sole proprietors |
However, there are important considerations. The "as fast as 30 minutes" review time is an estimate applicable only when all documents are complete and conditions are met. In cases of incomplete documentation or high application volumes, processing may extend to later in the day or the next business day. Additionally, applications submitted on weekends or holidays typically result in funding on the next business day. For urgent financing needs, applying during weekday mornings is the most realistic option.
The 2% minimum fee serves as a benchmark for scenarios involving highly creditworthy account debtors or favorable conditions such as three-party factoring. Actual fees fluctuate based on the creditworthiness of the account debtor and the financing amount. Nevertheless, the flexible underwriting that allows usage even during periods of net losses or tax arrears holds significant value for businesses struggling to secure bank loans.
By requesting a free quote or applying, you can confirm in advance what fee rate will apply to your accounts receivable. Since it is explicitly stated that no costs other than the fee are incurred, there is no significant burden at the quotation stage. The latest terms and conditions can be verified on the official website.
Reviews & Reputation: Praise for Handling Deficit Financials, Notes on Weekend Support
Reviews of AdPlanning frequently highlight the flexibility and speed of its screening process. On multiple review platforms, users have positively noted the professionalism of staff members and the absence of aggressive sales tactics.
"I openly disclosed that our financial statements showed a deficit, yet the representative handled my case without any hesitation."
This feedback, found across several review sites, is likely particularly reassuring for business owners who have previously been rejected for bank loans. The background behind the screening approval rate of over 88% includes this proven track record of accommodating companies with deficit financials.
Regarding speed, the following reviews can be confirmed:
"The screening was completed in about an hour and a half."
"I applied in the morning, and by around 3:00 PM, 1.5 million yen had been deposited into my account."
There are also honest voices noting that fees can be higher depending on specific conditions.
"Due to our deficit financials, the rate was slightly high at 7%. However, considering we were able to secure funding on the same day when bank loans were unavailable, it was a completely acceptable level."
On the other hand, a key point noted as a caution is that deposits requested on Saturdays, Sundays, or public holidays are processed on the next business day. Additionally, some cases may require submission of additional documents. Since phone support is available only on weekdays, applicants need to plan accordingly if their timeline spans a weekend.
A total of 14 reviews on FundBridge and 93 Google reviews for Factt have been confirmed. Based on the volume, the sentiment can be described as "mostly positive." However, there are still a certain number of important points to be aware of in advance, such as weekend/holiday handling and requests for additional documentation.
Comparison with Other Factoring Companies: Fees, Speed, and Suitability
There are multiple factoring services available, each differing in fees, processing speed, and target clientele. For Mr. Kobayashi, comparing Adplanning against competitors was an essential step before making his final decision.
| Comparison Criteria | Adplanning | QuQuMo | Paytner | labol |
|---|---|---|---|---|
| Estimated Fees | 2%–10% (two-party) | From 1% | Flat 10% | — |
| Fastest Funding Time | Same day | As fast as 2 hours | As fast as 10 minutes | Same-day transfer, 24/7 |
| Purchase Amount Range | ¥100,000 – ¥100 million | No limits | Up to ¥1 million | — |
| Target Clients | Corporations & sole proprietors | — | Specialized for freelancers | For freelancers |
| Online Process | Fully online, nationwide coverage | — | Completed via app | Completed via web |
QuQuMo offers low fees starting from 1% and promises funding in as little as two hours. A key advantage is the absence of limits on purchase amounts. However, compared to Adplanning, details regarding additional costs and eligibility criteria beyond fees are less transparent, making direct comparison difficult in some areas.
Paytner specializes in serving freelancers, offering the convenience of a fully app-based process. While its flat 10% fee and rapid funding time of just 10 minutes are attractive, the purchase cap of ¥1 million makes it unsuitable for larger accounts receivable.
labol highlights its ability to process same-day transfers 24 hours a day, 365 days a year, including weekends and holidays. However, specific details on fees and purchase amounts are not publicly disclosed, requiring users to request individual quotes.
Based on this comparison, Adplanning is best suited for corporations and sole proprietors holding accounts receivable of ¥100,000 or more who wish to convert these into cash on the same day while minimizing fee costs. Its flexible underwriting, which accommodates companies with net losses or tax arrears, is a decisive factor especially for businesses struggling to secure traditional bank loans. On the other hand, freelancers looking to cash out small amounts might consider Paytner, while those requiring guaranteed same-day funding even on weekends and holidays may opt for labol. Since all services offer free estimates and applications, it is advisable to compare options based on your specific conditions first.
How It Works: 5 Steps from Application to Funding
AdPlanning's application process is completed entirely online. Based on the steps Mr. Kobayashi would likely take, the process consists of the following five stages:
- Apply via the official website — Applications can be submitted online; phone applications are also accepted
- Submit required documents — Financial statements, bankbook copies, invoices, etc.
- Undergo screening — Screening takes as little as 30 minutes, focusing primarily on the creditworthiness of your accounts receivable counterparties
- Sign the contract — Contracts can be executed online
- Receive funds — Transfers can be made as soon as the same day
Phone support is unavailable on weekends and public holidays, and fund transfers initiated on these days will be processed on the next business day. For urgent funding needs, a practical tip is to apply during weekday mornings and prepare all necessary documents in advance.
Free quotes are available. Before applying, businesses using factoring for the first time can gain valuable peace of mind by getting an estimate of applicable fees based on their accounts receivable and gauging their likelihood of approval. You can request a free quote and apply via the official website.
Who Is It Best Suited For?
Ad Planning (factoring) is especially suitable for corporations and sole proprietors who need to quickly convert accounts receivable into cash, even when bank financing is difficult due to net losses or tax arrears. There are two main reasons for this.
First, the fee structure is low, ranging from 2% to 10%. This rate, described as "low-level" on multiple comparison sites, holds significant meaning for business operators looking to suppress fundraising costs. In particular, the 2% lower limit becomes a realistic option when the creditworthiness of the account debtor is high.
Second, it achieves both flexible screening and speed. With an approval rate exceeding 88%, the service explicitly states that it is available even in cases of net losses or tax arrears. Boasting screening in as little as 30 minutes and same-day transfers, combined with a fully online process available nationwide, it can meet urgent funding needs.
On the other hand, individuals for whom same-day deposits on Saturdays, Sundays, and holidays are essential, or those pursuing only the lowest fees below 1%, will need to compare other providers. If weekend support is the top priority, labol is an option worth considering; for freelancers dealing with small amounts, Paytner is another viable choice.
Ad Planning's fees and screening times vary by case. Unlike illegal lending or salary factoring, this operates within the framework of trading accounts receivable. While exaggerated claims like "fastest" or "guaranteed approval" cannot be made, taking the first step to check your conditions via a free estimate and application is a low-burden action that allows you to turn back if needed.
Methodology and Disclosure
Verification Method: This article was created based on public information verified as of 2026-08-17. 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. Please report any errors to our contact desk.
Affiliate Disclosure: This article contains affiliate links, through which our site may earn a commission at no additional cost to you. These commissions do not influence our evaluations.
Frequently Asked Questions
Is Ad Planning's 30-minute approval real?
Yes, the official claim is a minimum 30-minute approval, but this is an estimate assuming all documents are ready and application volume is low. In practice, some reviews report around 1.5 hours, so it can vary.
Can I use it even with a deficit or tax arrears?
Yes. Factoring involves selling your accounts receivable, so the creditworthiness of your client is the main focus. Even with a deficit or tax arrears, you can still use it. There are reviews from businesses with deficit that successfully used the service.
Can I receive funds on weekends or holidays?
Transfers on weekends and holidays are processed on the next business day. The fastest same-day transfer is only available on weekdays; if a weekend intervenes, it may be delayed. Plan your application accordingly.
Is the fee really from 2%?
The 2% rate is the lower limit, applicable when your client has high creditworthiness and under favorable conditions like three-party factoring. In reality, the fee varies based on your client's credit and the amount, and with a deficit, it can be around 7%.
Why is the company name different from the service name?
The factoring service provided by Ad Planning Inc. is named 'Ad Planning (Factoring)'. The company and service share the same name, so there is no confusion.
What documents are required?
Typically, you need identification documents, invoices to your client, and information about your client. Specific documents are provided after application, and additional documents may be requested.
Can sole proprietors apply?
Yes, both corporations and sole proprietors are eligible. The application can be completed online, making it easy for sole proprietors to use.
How is factoring different from a loan?
Factoring involves selling your accounts receivable, so it does not increase your debt. Unlike a bank loan, there is no repayment obligation, making it easier to use even with a deficit.
Sources
This article is based on publicly available information as of 2026-08-17.
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