Verification Status: This article is an explanation based on publicly available information (the editorial team has not conducted actual usage or trading).
For Those Struggling with Cash Flow: What is "Kaisoku," Which Converts Accounts Receivable into Cash in as Little as 30 Minutes?
Image source: kai-soku.jp (Official Site) — Cited for identification purposes in this review
Mr. A (40s, transportation industry) was running out of cash just before month-end payments for fuel and payroll were due. The payment terms for his clients' accounts receivable were 60 days. Even after consulting with a bank, he was rejected due to previous fiscal year deficits. He also had outstanding tax arrears. How would he make tomorrow's payments?
Conclusion: Kaisoku is a non-notification factoring service that purchases accounts receivable, featuring fund transfers in as little as 30 minutes. It serves corporations, sole proprietors, and freelancers, and may be accessible even in cases of fiscal deficits or tax arrears.
Kaisoku is a non-notification factoring service operated by Ad Planning Co., Ltd. Its greatest feature is its promise to purchase accounts receivable and transfer funds in as little as 30 minutes. The entire process is completed online; applicants can proceed by preparing just three documents: an invoice, proof of identity, and a copy of their bank statement. The purchasable amount ranges widely from 100,000 JPY to 100 million JPY, accommodating both small-scale cash flow needs and large-value transactions.
The service targets corporations, sole proprietors, and freelancers who hold accounts receivable. Industries like transportation, similar to Mr. A's business, often face long payment terms for receivables while bearing a structure where cash outflows for fuel and labor occur upfront. It is stated that the service may be available even to those with fiscal deficits, tax arrears, or who have been rejected for bank financing.
This article organizes information based on public disclosures regarding Kaisoku's estimated fees, time required for funding, necessary documents, actual user reviews, comparisons with competing services, and the application process. We aim to provide Mr. A—and others in similar situations—with the criteria needed to evaluate conditions based on their own clients and invoice amounts.
Basic Information and 3 Key Strengths of Kaisoku: Operator, Eligibility, and Fee Structure
When Mr. A began researching basic information about Kaisoku, he discovered that the operating company is Ad Planning Co., Ltd. Fees range from 2% to 10%, with no additional charges beyond these fees. Here, we first outline the core specifications and three key strengths of Kaisoku.
Conclusion: Kaisoku is designed to reduce procedural burdens for businesses with urgent funding needs, built on three pillars: "as fast as 30 minutes," "fully online," and "only three required documents."
| Item | Details |
|---|---|
| Operating Company | Ad Planning Co., Ltd. |
| Service Type | Non-notification factoring |
| Eligibility | Corporations, sole proprietors, freelancers |
| Purchase Amount Range | ¥100,000 – ¥100 million |
| Required Documents | Invoice, identity verification document, bank statement copy (3 items total) |
| Estimated Fees | 2%–10% (varies by case) |
| Funding Speed | As fast as 30 minutes (under optimal conditions) |
| Approval Rate | Over 92% (self-reported by the company) |
Kaisoku's strengths can be summarized in the following three points.
① Funding in as Little as 30 Minutes
The speed from receivables purchase to fund transfer is Kaisoku's primary selling point. The official website highlights transfers completed in as little as 30 minutes, and multiple factoring comparison sites praise its "fast funding speed." For business owners like Mr. A who need to meet payments due the next day, this speed holds significant value.
② Fully Online Process
Kaisoku utilizes Zoom for consultations and Cloud Sign for electronic contracts, allowing users to complete the entire process without visiting a physical office. This directly benefits sole proprietors and small corporations unable to spare time traveling to branches, significantly reducing procedural hassle.
③ Only Three Required Documents
Applications can proceed with just three documents: an invoice, identity verification, and a bank statement copy. Since complex financial statements or business plans are not required, the administrative burden remains minimal.
Note that the reported approval rate of over 92% is a figure disclosed by Kaisoku itself and has not been verified by third parties. That said, the fact that consultations are accepted even for companies with deficit financial results or overdue tax payments means this service warrants consideration for businesses previously rejected by traditional bank loans.
Check the latest terms on the official website
The Reality of Fees: The Advertised "2%~" is the Minimum Condition. Correctly Understand the Actual Burden
Mr. A initially thought, "2% is cheap," but upon further research, he discovered information stating that "2% is merely the minimum condition." Here, we accurately grasp the reality of Kaisoku's fees.
Conclusion: While Kaisoku's official website states fees range from 2% to 10%, the 2% rate is a minimum condition limited to high-quality cases; in reality, fees can range from 5% to 15%. It is stated that no costs other than the fee will be incurred.
The official website contains pages displaying fees as "2%~" alongside pages stating "1%~10%." This variation occurs because the fee rate fluctuates based on factors such as the creditworthiness of the account debtor, the invoice amount, and the length of the payment terms. One factoring comparison site points out:
"'2%' is the minimum condition; the reality is in the 5% to 15% range."
In other words, lower fees may apply if the account debtor is a highly creditworthy entity, such as a listed company. Conversely, fees become higher for transactions with small and medium-sized enterprises (SMEs) or account debtors with lower creditworthiness. If your counterparties are SMEs, as in Mr. A's case, you must anticipate fees higher than 2%.
However, Kaisoku states that no fees other than the commission are charged. The fact that consultation fees for applications or contract fees are not collected separately makes it easier to predict costs. Since prior consultation may be required for high-value cases, you should verify the total cost at the estimation stage.
With the free estimate and application, you can confirm specific fee guidelines simply by providing details about your account debtor and the amount. The estimate is free, allowing you to decide whether to proceed after seeing the figures, so there is no need to commit to a contract immediately. Knowing the exact fee burden is the first step toward making sound cash flow decisions. Since you can check the conditions for free, it is certainly worth trying.
Deep Dive into Reviews and Reputation: Positive Feedback and Honest Complaints
Mr. A, who gathered user feedback on Kaisoku, examined the specific points of divergence in ratings. Among the 95 reviews confirmed across multiple review sites, 60% were positive, 30% neutral, and 10% negative.
Conclusion: While speed and flexibility in screening are highly praised in reviews, complaints focus primarily on fees and support on weekends and holidays. However, since fees can be verified in advance via a quote, they do not constitute a fatal flaw.
Positive reviews mainly highlight speed, screening flexibility, and online capabilities.
"The minimum 30-minute transfer was faster than I imagined."
"They accommodated us even with a deficit financial statement and tax arrears."
"The online contract via Cloud Sign was smooth."
These comments indicate that Kaisoku's strengths—funding speed, fully online processes, and flexible screening—are indeed appreciated by actual users. In particular, the feedback stating, "They accommodated us even with a deficit financial statement and tax arrears," is valuable information for business operators who have been rejected for bank loans.
On the other hand, negative reviews concern fees, business day availability, and phone support.
"Screening stops on Sundays and holidays."
"Phone support felt impersonal."
As outlined in the previous section, dissatisfaction regarding fees is mainly due to fluctuations based on the creditworthiness of the accounts receivable counterparties. Confirming the specific costs at the quotation stage helps prevent unexpected expenses. Regarding weekend and holiday support, while the official website mentions availability on these days, operating hours are listed as weekdays from 9:00 to 19:00, meaning screening and funding may halt on weekends and holidays. For business operators like Mr. A who have time available on weekdays, this is rarely an issue; however, caution is required if immediate funding is needed on weekends.
Although few in number, some users found the phone support "impersonal." However, this stems more from a gap between user expectations than from a fatal flaw in the procedure. Overall, satisfaction with speed and flexibility is high, while fees and business day availability remain the central sources of dissatisfaction.
Comparison with Major Factoring Services: Where Does Kaisoku Stand?
To broaden their options, Mr. A decided to compare factoring services beyond Kaisoku. Below is a comparison table of the top three services, clarifying how to choose the right one for your needs.
Conclusion: Kaisoku stands out with its funding speed of as little as 30 minutes, making it ideal for businesses requiring same-day deposits. However, its minimum fee rate is higher than competitors; if minimizing fees is your top priority, other providers are worth considering.
| Service Name | Fee Rate | Funding Speed | Eligible Purchase Amount | Screening Features | Best For |
|---|---|---|---|---|---|
| Kaisoku | 2%–10% | As fast as 30 mins | ¥100,000 – ¥100 million | Consultation available even with net losses or tax arrears (company reports approval rate over 92%) | Businesses needing same-day funding across a wide range of amounts, from small to large |
| QuQuMo | 1%– | As fast as 2 hours | No limit | — | Businesses seeking relatively fast funding while keeping fees low |
| Best Factor | 2%– | Same day (fastest) | — | Net losses and tax arrears accepted | Businesses wanting a balance between fees and speed |
| Axle Factor | 0.5%– | — | — | 93% approval rate (company reported) | Businesses prioritizing fee rates above all else |
※ Items marked "—" in the table could not be confirmed via public information. Figures are based on research from each company's official website and comparison sites at the time of writing and may vary by case.
Kaisoku's clear strength lies in its funding speed of as little as 30 minutes. Compared to QuQuMo's fastest 2 hours and Best Factor's same-day service, Kaisoku operates on an hourly timeline for liquidity. In urgent situations like Mr. A's, where cash is needed by tomorrow's payment deadline, this difference becomes decisive.
On the other hand, regarding minimum fee conditions, while Kaisoku starts at 2%, QuQuMo starts at 1% and Axle Factor at 0.5%, both lower than Kaisoku. If minimizing the fee rate is your utmost priority, alternatives to Kaisoku should be considered. However, since fees fluctuate based on factors such as the creditworthiness of your accounts receivable, a uniform comparison based solely on minimum conditions is not possible. Comparing actual quotes is the most practical approach.
Ultimately, the selection logic holds: choose Kaisoku if you want to convert to cash as quickly as possible, QuQuMo or Axle Factor if you wish to minimize fee rates as much as possible, and Best Factor if you seek a balance between fees and speed. Kaisoku has established a clear position as a service specialized in funding speed.
If you are considering same-day liquidity, it is practical to obtain a quote from Kaisoku and compare conditions with other companies. Quotes are free, and you can confirm fees before signing a contract, providing the peace of mind that you can walk away if needed. Therefore, the quickest path forward is to first verify how much your specific accounts receivable are worth.
How to Use Kaisoku: Steps from Application to Funding and Required Documents
Next, Mr. A reviewed the actual procedural workflow. The process from applying for Kaisoku to receiving funds consists of the following six steps.
Conclusion: The Kaisoku application proceeds in this order: inquiry → document submission → screening/interview → e-contracting → funding. The entire process can be completed online with just three items: an invoice, proof of identity, and a bank statement copy. While funding in as little as 30 minutes is possible under optimal conditions, it is not guaranteed for everyone.
| Step | Description | Notes |
|---|---|---|
| 1. Inquiry | Contact via phone or web form | Phone: 0120-160-128 (Weekdays 9:00–20:00) |
| 2. Document Preparation & Submission | Submit invoice, proof of identity, and bank statement copy | Only three documents required |
| 3. Screening & Interview | Online interview via Zoom if necessary | No visit required |
| 4. Contract Execution | E-contracting via Cloud Sign | Completed entirely online |
| 5. Funding | Transfer to designated account | As fast as 30 minutes (under optimal conditions) |
| 6. Contract Completion | Transfer procedure finalized after payment received from the account debtor | — |
Only three documents are required: an invoice, proof of identity, and a bank statement copy. Since financial statements or business plans are not requested, the burden of preparing documents is minimal. This is especially beneficial for sole proprietors like Mr. A, who often lack the time to gather paperwork while managing daily operations. Reducing the requirement to just three items significantly lowers the barrier to application.
Because screening and interviews are conducted via Zoom, there is no need to visit a branch or office. Contracts are also finalized electronically through Cloud Sign, eliminating the need for mailed documents or in-person signatures. This fully online workflow is ideal for businesses located far away or for busy executives.
However, "funding in as little as 30 minutes" represents the best-case scenario. Processing times may vary depending on screening results, incomplete documentation, or applications submitted outside business hours. It is realistic to apply with a flexible schedule rather than expecting the fastest turnaround in every case. Business hours are weekdays from 9:00 to 19:00; applications submitted on weekends or holidays may not be screened or funded until the next business day.
Check detailed requirements for documents on the official website
Who Kaisoku Is (and Isn't) For: Who Should Really Use It?
After calmly assessing his situation, Mr. A sought to determine whether Kaisoku was truly the right fit for him. Below, we clearly outline who is and isn't suited for Kaisoku, starting with the conclusion.
Conclusion: Kaisoku is ideal for sole proprietors and small corporations—particularly in industries like transportation with long accounts receivable cycles—who struggle to secure bank loans due to net losses or tax arrears. This is because Kaisoku requires only three documents for a flexible screening process and allows funding starting from just ¥100,000.
Ideal Users
- Business owners in sectors like transportation with long accounts receivable cycles and concentrated cash outflows at month-end
- Corporations, sole proprietors, and freelancers facing difficulties securing bank loans due to net losses or tax arrears
- Businesses suddenly needing small-scale funding (starting from ¥100,000)
- Individuals unable to visit offices in person who wish to complete the entire process online
Not Ideal Users
- Those seeking the lowest possible fees (you should compare other companies offering rates between 0.5% and 1%)
- Individuals requiring same-day deposits on weekends or holidays (business hours are weekdays 9:00 AM to 7:00 PM)
- Those seeking three-party factoring (Kaisoku only supports non-notification arrangements)
Kaisoku delivers exceptional value for sole proprietors and small corporations in industries like transportation, much like Mr. A's situation. The transportation sector often faces cash flow challenges where fuel costs and labor expenses arise upfront, while accounts receivable are collected only after 60 days. Bank loans are frequently unavailable due to net losses or tax arrears, leaving limited options. Kaisoku directly addresses these challenges through a flexible screening process requiring only three documents and the ability to access funding starting from just ¥100,000.
The company's self-reported approval rate of over 92%, combined with its willingness to consider cases rejected by other firms, demonstrates that Kaisoku is worth exploring for businesses denied traditional bank financing. However, this figure is self-reported by the company and does not guarantee approval for all applicants. The wisest approach is to fully understand the fee structure and confirm your specific eligibility through a free quote.
Summary: Kaisoku Is Your Next Step for "Speed and Convenience"
After understanding the range of fees and the restrictions on weekends and holidays, Mr. A decided to request a free quote and application to verify the terms based on his own accounts receivable and amounts. With fund deposits in as little as 30 minutes and a fully online process, Kaisoku is a compelling option for businesses seeking same-day liquidity.
On the other hand, fees range from 2% to 10%, and in some cases, they can actually reach 5% to 15%. Applying without considering this point may lead to unexpected costs higher than anticipated. With a free quote and application, you can check the estimated fees for your specific conditions before signing a contract. The quote is free and takes only a few minutes to complete. You can then decide whether to proceed with the contract based on the results. Therefore, taking the first step of checking your conditions with a free quote expands your financing options.
Kaisoku's fees, screening criteria, and deposit times vary by case. Unlike illegal lending or salary factoring, it takes the form of purchasing accounts receivable; however, thoroughly reviewing the contract terms is a prerequisite for use.
Methodology and Disclosure
Verification Method: This article was created based on public information verified as of 2026-08-16. 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.
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
What are the actual fees for Kaisoku?
Officially, fees range from 2% to 10%, but the 2% rate is the minimum for prime cases; in practice, fees may be 5% to 15%. No additional costs are said to be incurred. You can confirm the exact fee in advance with a quote.
Is the 30-minute funding real? What are the conditions?
The 30-minute funding is the best-case scenario and depends on the creditworthiness of your client and the specifics of the deal. It is possible when the process is completed online smoothly. However, since screening pauses on weekends and holidays, it may actually be processed the next business day.
Can I use Kaisoku even with deficit financials or tax arrears?
The official website states that consultations are possible even with deficit financials or tax arrears. With a self-reported approval rate of over 92%, even businesses rejected by bank loans may be eligible. However, approval depends on the individual case.
Does Kaisoku screen and fund on weekends and holidays?
According to reviews, screening pauses on weekends and holidays. The 30-minute funding is the best-case scenario on business days (weekdays). If you apply on a weekend or holiday, processing will occur on the next business day. For urgent needs, it's best to confirm in advance.
What documents are required for Kaisoku? Can it be completed online?
The required documents are the invoice, identification, and a copy of your bankbook. With a Zoom interview and electronic contract via Cloud Sign, the process can be completed online without visiting a store. Simply prepare the documents and apply to proceed.
Can I use Kaisoku if I'm not in the transportation industry?
Corporations, sole proprietors, and freelancers are eligible regardless of industry. As long as you have accounts receivable, you can use the service even outside the transportation industry. However, screening may vary based on the creditworthiness and amount of your receivables.
What is the difference between Kaisoku and other factoring companies?
Kaisoku's strengths are its 30-minute fast funding, fully online process, and only three required documents. Fees range from 2% to 10% (conditions apply), which may be lower than competitors, but they vary based on the creditworthiness of your client.
Is Kaisoku's approval rate high? What if I've been rejected elsewhere?
Kaisoku's approval rate is over 92% (self-reported), and they accept consultations even for deficit financials or tax arrears. Even if you've been rejected by other companies, you may still be eligible with Kaisoku. However, approval depends on the individual case.
Sources
This article is based on publicly available information as of 2026-08-16.
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