Shikin Chotatsu Pro (Factoring) Reviews & Fees: How to Compare Multiple Companies with Free Quotes [2026]

Verification Status: This article is an explanation based on publicly available information (the editorial team has not conducted actual usage or trading).

"I have accounts receivable, but no cash on hand." Kenichi Sato (pseudonym, 38), who runs a parts processing company, was at his wit's end facing month-end payments. His major clients operated on 90-day payment terms. With material costs due immediately and his bank refusing additional financing, he felt completely stuck.

That's when an acquaintance told him about "a service that can instantly convert accounts receivable into cash." That service is "Fundraising Pro (Factoring)", introduced in this article. It is a free bulk quote service that Mr. Sato discovered by searching for "accounts receivable cash conversion comparison."

Conclusion Fundraising Pro (Factoring) is a service ideally suited for sole proprietors and SME owners who have accounts receivable and wish to compare multiple factoring companies to minimize fees. It introduces 4 to 6 providers from over 1,000 options free of charge and can be completed entirely online, serving as an alternative when bank financing is difficult to obtain.

What is Shikin-Pro? The Basics of a Free Matching Service to Convert Receivables into Cash

Image source: shikin-pro.com (Official Site) — Cited for identification purposes in this review.

Shikin-Pro is a free matching service that compares and introduces multiple factoring companies. For business owners like Mr. Sato who face the situation of "having receivables but lacking cash," it serves as an entry point for financing that does not involve borrowing.

The Key Feature: It Is a "Sale of Receivables," Not a Loan

The most important point to understand is that factoring is not a loan; it is a mechanism to convert accounts receivable (sales claims) into cash by selling them. Since it is not a bank loan, the screening process focuses primarily on the creditworthiness of your customers (the payers). Even if you have concerns about your own company's credit rating or lack collateral, you may still be eligible provided the receivables themselves are sound.

• Introduction to 4–6 companies from over 1,000 registered firms: Obtain quotes from multiple providers with a single application.
• Supports both corporations and sole proprietors: Covers the purchase of receivables ranging from ¥1 million to ¥300 million.
• Compatible with two-party and three-party factoring: Allows you to choose whether or not to notify your customers.
• Free to use: There is no cost for matching via the diagnosis form.

Operated by a Listed Corporate Group

The service is operated by Labor Co., Ltd., a subsidiary of Celes Co., Ltd., which is listed on the Tokyo Stock Exchange Prime Market. Being part of a listed corporate group provides peace of mind when entrusting personal information. Given the large number of operators in the factoring industry, the transparency of the operating structure is a critical factor when comparing services.

Check the latest number of registered companies and eligibility conditions on the official site

5 Key Benefits and Considerations of Shikin Chotatsu Pro

The value of Shikin Chotatsu Pro lies in its ability to drastically reduce the effort required to search for providers while simultaneously offering all the necessary information for comparison. As Mr. Sato experienced, when facing urgent cash flow needs, there is often no time to spend researching individual companies.

Benefits: The Triple Advantage of Comparison, Free Service, and Fully Online Processes

Considerations: Potential Sales Calls and the "No Direct Contract" Aspect

On the other hand, checking publicly available reviews and reputation reveals multiple comments stating, "I received calls from multiple factoring companies." This is a structural characteristic inherent to matching services. Since information is shared with multiple companies at once, users should proceed with the expectation of receiving sales contacts.

Additionally, Shikin Chotatsu Pro itself does not enter into contracts; instead, users enter into direct contracts with the introduced factoring companies. The key to avoiding mismatches is to utilize the service strictly as a "comparison and introduction portal."

In-Depth Review of Reputation: What Are Real Users Saying?

How do actual users rate the service? Based on publicly available reviews, the overall rating is 4.0 out of 5.0, derived from 450 reviews (Factoring DB). The sentiment breakdown shows approximately 60% positive feedback, 20% neutral, and 20% negative, indicating that the service is generally well-received.

Highly Rated Features: Speed and Convenience

The most prominent feedback from users highlights the speed of funding and the simplicity of the application process. In particular, there are numerous accounts of the service providing a lifeline when bank financing was unavailable.

"The entire process can be completed online, and the required documentation is minimal compared to other companies." (Source: Factoring Comparison Site)

"We secured 10.8 million yen in funding within two days." (Source: Factoring Comparison Site)

"Although we were rejected for a bank loan, we were able to secure financing through this service." (Source: Factoring Comparison Site)

Areas of Dissatisfaction: High Volume of Sales Calls

On the other hand, the primary source of negative feedback is the frequency of sales calls. It is a fact that some users find it troublesome to receive contact from multiple companies after requesting a quote.

"I received phone calls from multiple factoring companies." (Source: Factoring Comparison Site)

For this reason, whether you can tolerate receiving these calls becomes a key criterion in deciding whether to use this service. If you are often unavailable to answer phones, you will need to take precautions, such as requesting email communication in advance.

What Are Shikin Chotatsu Pro's Fees and Costs? The Truth Behind "Free" and Market Rates

It is natural to suspect a catch when hearing the word "free." To conclude upfront: using Shikin Chotatsu Pro itself is free of charge. However, actual funding incurs a factoring fee.

Fee Estimates Range from 5% to 15%

According to publicly available information, fees charged by providers selected through Shikin Chotatsu Pro typically range from 5.0% to 15.0%. This is only a guideline; actual fees vary based on the following factors:

• Face value of accounts receivable: Higher amounts tend to result in lower fee rates
• Creditworthiness of the debtor: More favorable terms are available for debtors with strong credit, such as large corporations
• Payment terms: Shorter periods until the payment due date reduce risk and help keep fees lower
• Two-party vs. three-party arrangements: Three-party deals, which require notifying the debtor, generally offer lower costs

Why Is the Service Free?

Shikin Chotatsu Pro generates revenue through referral commissions paid by the factoring companies it introduces. Users do not pay directly because of this business model. In other words, users can "learn about market rates for free."

While actual fees cannot be confirmed until a quote is obtained, using the free quotation service allows you to gauge what fee rate your specific conditions might command. For business owners struggling with cash flow, this represents significant value obtained without any upfront cost.

Check how fees are calculated on the official site

[2026] Comparing Fundraising Pro with Other Factoring Services: Which One is Right for You?

There are multiple factoring services available, each with its own unique features. If you are thinking about comparing options like Mr. Sato, it is important to look beyond just Fundraising Pro and understand the other choices available.

Comparison Table of Major Services

Note: Figures are estimates based on publicly available information. Fees and speeds vary depending on case conditions. Please check official websites for detailed information on each company.

So, Which One Should You Choose?

• If you want to compare multiple companies at once, choose "Fundraising Pro": You can get multiple quotes with a single entry, making it easy to compare fees and quality of service.
• If you are particular about low fees, choose "QuQuMo": Fees starting from 1% are a strong selling point.
• If you need cash within a few hours, choose "PMG" or "Japan SME Financial Support Organization": Funding speeds as fast as 2–3 hours are reliable in urgent situations.

Fundraising Pro is ideal for those seeking "optimal comparison" rather than just the "fastest speed." If you have a little time to spare, the advantage of getting multiple free quotes is significant.

How to Use Shikin Chotatsu Pro: 6 Steps from Application to Funding

The actual process is simple. As Mr. Sato considered, everything can be completed online with no need to visit an office. The system is designed so you won't waste time on cumbersome document preparation.

1. Enter details in the diagnostic form on the official website Input basic information such as your desired funding amount, prefecture, business establishment date, annual sales, outstanding loan balance, and whether you are a corporation or sole proprietorship. The form consists mainly of simple items that take just a few minutes to complete.

2. Receive the diagnostic results You will be contacted by matched factoring companies via the email address you provided. Contact is typically made by phone or email.

3. Contact the introduced companies and compare quotes Check the fees and funding timelines offered by each company. This is the biggest advantage of Shikin Chotatsu Pro, allowing you to compare conditions from multiple providers side-by-side.

4. Decide on the factoring company to contract with Base your decision not only on the quote details but also on the quality of customer service and the speed of responses to your questions. Choose the one company that offers the most satisfactory terms.

5. Submit required documents and undergo screening Typically, you will need to submit invoices, identity verification documents, and bankbook copies. During the screening process, factors such as the creditworthiness of your accounts receivable are verified.

6. Funding after contract execution Once approved, the contract is finalized, and funds are deposited into your designated account. While you may be introduced to providers capable of same-day funding, the timeline can vary depending on the quoting and screening status.

Who Is and Isn't a Good Fit for Shikin Chotatsu Pro

Every service has its strengths and limitations. Shikin Chotatsu Pro isn't a one-size-fits-all solution; it's the optimal choice for business owners who prefer to outsource the hassle of comparing offers to the service itself.

Ideal Users

• Business owners and sole proprietors with accounts receivable who struggle to secure bank loans
  It functions as an alternative funding source when traditional bank financing falls short. In fact, some users report, "We were rejected by banks but successfully secured funding through this service."
• Those seeking to compare terms from multiple lenders to minimize fees
  You can gauge market rates before applying directly to any single lender. The ability to do this free of charge is a significant advantage.
• Individuals who want to complete the entire process online
  No branch visits are required, and documentation is kept to a minimum. This makes it especially suitable for busy business owners managing day-to-day operations.

Not Recommended For

• Individuals who find sales calls extremely stressful
  If you cannot tolerate the possibility of receiving contact from multiple companies, applying directly to a single lender may result in less stress.
• Those needing cash within a few hours immediately
  Since Shikin Chotatsu Pro focuses on comparison, even though same-day funding is possible in some cases, it does not guarantee ultra-fast disbursement like PMG or the Japan SME Financial Support Organization.
• Individuals unwilling to share personal information broadly
  Due to the matching nature of the service, your information will be shared with multiple companies. Exercise caution if you wish to limit the dissemination of your data.

Conclusion: Shikin Chotatsu Pro is particularly well-suited for SMEs and sole proprietors willing to invest time in obtaining multiple quotes to reduce costs. This is because it uniquely combines the ability to freely compare terms from multiple lenders with the credibility of being operated by a publicly listed corporate group.

Common Concerns Before Using Fundraising Pro and the Reality

Concerns felt before applying generally boil down to three points: "the reason it's free," "sales calls," and "whether the referral is truly optimal." Clarifying these in advance can help reduce the gap between expectations and reality after using the service.

• Concern 1: They say it's free, but will they charge me somewhere? Reality: No usage fees are charged to users; the service operates on revenue from referred partners. However, factoring fees (approximately 5% to 15%) apply separately at the time of fundraising.

• Concern 2: If I enter my personal information, will I receive a flood of sales calls? Reality: Since your information is shared with multiple companies, there is a possibility of receiving sales contacts. User reviews also frequently mention a high volume of phone calls. In some cases, you can exercise a degree of control by specifying your preferred contact methods and time slots.

• Concern 3: I don't know if the introduced company is truly a good fit for my business Reality: While the standard practice is to introduce multiple companies, there are cases where only one company is referred, making comparison impossible. If you are not satisfied with the presented terms, do not feel forced to sign a contract; it may be necessary to consider other services instead.

Should You Request a Free Quote from Shinitatsu Pro? The Verdict

Ultimately, the fact that you can obtain free quotes from multiple companies makes it well worth considering for business owners struggling with cash flow. Instead of immediately signing a contract with a single provider, you can use this service to gauge market rates and understand what financing conditions your company qualifies for.

• Reason 1: Expand Your Options at Zero Cost They will shortlist 4 to 6 suitable candidates from over 1,000 providers, saving you the trouble of searching for vendors yourself.
• Reason 2: Low Psychological Barrier with a Fully Online Process Minimal documentation is required, and no in-person visits are necessary. The system is designed to be easily managed even during busy schedules.
• Reason 3: Trustworthy Operation by a Listed Corporate Group Since the operator is clearly identified, you can reduce anxiety about entrusting them with your personal information.

Requesting a free quote is a low-risk first step with virtually no cost to you and the flexibility to withdraw at any time. If you don't apply, you may never know under what conditions your company could secure funding. If entering data for just a few minutes can clarify your financing options, it is surely worth trying.

Start by using the free assessment form to verify your company's potential. This small but certain step can help stabilize your future cash flow.

Please note that final fees, screening results, and the time until funds are received vary depending on the factoring company introduced and the specifics of your accounts receivable. Unlike illegal lending or salary factoring, this service involves the buying and selling of accounts receivable. Please ensure you understand this distinction and use the service within reasonable limits.

Methodology and Disclosure

Verification Method: This article was created based on public information verified as of 2026-08-19. Our editorial team has not actually contracted or used the services mentioned. 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.

Operator 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 our site may earn a commission at no additional cost to you. These commissions do not influence our evaluations or rankings.

Frequently Asked Questions

Is Shikin Chotatsu Pro really free to use?

Yes, Shikin Chotatsu Pro itself is free to use. They earn revenue from the factoring companies they refer, so users do not pay any direct fees. However, when you actually secure funding, factoring fees will apply.

What is the typical fee range?

Fees typically range from 5% to 15% (conditions apply). The exact rate depends on the face value of the receivables, the creditworthiness of the debtor, the payment terms, and whether it is a two-party or three-party arrangement. Higher amounts and stronger debtor credit tend to result in lower fees.

Will I receive a lot of sales calls after applying?

It is possible that you will receive calls from multiple factoring companies. Since it is a matching service, your information is shared with 4-6 companies at once. If you prefer to avoid phone calls, you can request email contact or take other precautions in advance.

Can sole proprietors use this service?

Yes, both corporations and sole proprietors are supported. The service handles receivables from 1 million yen to 300 million yen. Even sole proprietors can use it if they have accounts receivable, making it a viable alternative when bank loans are difficult to obtain.

What is the fastest time to secure funding?

Funding can be secured in as little as 2 days (conditions apply). The process is fully online with minimal documentation, allowing for quick processing. However, the timeline may vary depending on the debtor's creditworthiness and the completeness of your documents.

What documents are required?

The required documents are minimal and can be completed online. Specific documents vary by the factoring company you are referred to, but typically include invoices or contracts for the receivables, and identity verification documents. Details can be confirmed during the quote process.

Can I use this service if I have been rejected for a bank loan?

Yes, you can. Factoring is not a loan but a sale of accounts receivable, so the creditworthiness of your debtor is more important than your own. Even if you have been rejected for a bank loan, you can use this service as long as your receivables are sound.

Sources

This article is based on publicly available information as of 2026-08-19.

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• factoring-pro.info
• hrtech-guide.co.jp
• ninki-web.com
• factoringdb.com
• fundbridge.jp
• fundbridge.jp
• medsjapan.jp
• p-m-g.tokyo
• go.invoy.jp
• factoring-select.com
• mecaro.jp
• factoringnavi.jp
• toshi-navi.jp