Eliminate Cash Flow Worries. The Power and Usage of Easy Factor Online Factoring [2026]

Verification Status: This article is an explanation based on publicly available information (no actual use or transactions by the editorial team).

Turn Your Accounts Receivable into Cash "Now." Broaden Your Financing Options with Easy Factor

Image source: easyfactor.jp (Official Website) — Quoted for identification of the review target

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With the 15th of the month payment deadline approaching, Makoto Tanaka (45) found himself alternating his gaze between a few invoices and his bankbook on his desk. His available balance was precarious, and payments for materials and subcontractors on a large project were bearing down on him relentlessly. He had a large accounts receivable expected to be collected, but the payment term from his major general contractor client still had 60 days remaining.

"The bank turned me down due to a lack of track record. At this rate, the hard-won project will go to waste—"

The anxiety of cash flow coldly brushed against Tanaka's back as he managed a construction company with five employees.

For cash shortages where you can't wait for accounts receivable collection, there is the option of online factoring. With Easy Factor, you can cash in your accounts receivable in as little as 60 minutes, and the fees are among the lowest in the industry.

Raising Funds Without Increasing Debt: What is Easy Factor?

Factoring is a mechanism in which a company sells its accounts receivable (trade receivables) to a factoring company to raise funds before the due date. Since it is not a "loan" like bank financing, its greatest feature is that it improves cash flow without increasing debt.

Easy Factor is an online-complete factoring service operated by No.1 Co., Ltd. Its major strength is that the entire process from application to contract and payment can be completed online.

Particularly noteworthy is that it is a "non-recourse contract" with no recourse rights. Even if the debtor goes bankrupt, the user is not at risk of being required to repurchase the receivables. Not having to bear secondary risks associated with fundraising will be a major source of reassurance for business owners.

Note that fees and screening criteria may vary depending on the details and timing of the case. For a detailed estimate of fees, please check the official website.

5 Key Factors That Business Owners Appreciate

While reviewing the documents that arrived and checking multiple comparison sites, Mr. Tanaka noticed a trend. Many business owners who used Easy factor highly rated similar points.

1. Fastest Funding in 60 Minutes

When it comes to cash flow, there is no "tomorrow." With Easy factor, if you apply on a weekday morning, have all necessary documents ready, and the creditworthiness of your accounts receivable is confirmed, funding can be completed in as little as 60 minutes. On multiple review sites, this speed is praised as follows:

"Their response speed is number one" (Source: Multiple review sites)

Of course, 60 minutes is not guaranteed in every case. If the contract is completed after 3:00 PM, funding will be processed on the next business day. Still, it is undoubtedly among the fastest in online factoring.

2. Fees from 2% to 8%, with Zero Additional Costs

While factoring fees are often around 10% on average, Easy factor keeps them low at 2% to 8%. Furthermore, there are no additional costs such as administrative fees, registration fees, or travel expenses. This simple fee structure is well-received for making financial planning easier.

"Switching from another company significantly reduced my fees" (Source: Multiple review sites)

3. Fully Online, No Store Visit Required

Everything from submitting required documents to Zoom interviews and electronic contracts (Cloud Sign) is done online. For busy business owners, the elimination of travel time and mailing hassles is a practical advantage.

"I was grateful that the required documents were only three items: tax return, invoice, and bankbook. For a company just starting out with limited paperwork, there is no simpler screening process" (Source: A factoring comparison site)

4. Screening Based on Accounts Receivable Creditworthiness. Possible Even If Bank Loans Are Denied

Bank loans emphasize your company's performance and collateral. In contrast, factoring focuses on the creditworthiness of the accounts receivable (the payer). Therefore, even newly established companies or those with losses may be eligible if they have large corporations or government agencies as their accounts receivable.

"The best part was that even a company in its second year of operation passed the screening. I had just been rejected by a bank, but the screening that prioritized the creditworthiness of the accounts receivable saved me" (Source: A factoring comparison site)

5. Attentive Staff Support

Many users note that the service is not the "mechanical and cold response" often associated with fully online services.

"They listened to my concerns with empathy" (Source: Multiple review sites) "The Zoom interview was not stiff, and even as someone in my 20s, I found it easy to talk" (Source: A factoring comparison site)

These five key factors are not just a list of features. They are points that business owners struggling with cash flow have actually felt "saved" by.

It is worth checking for free how advantageously your company's conditions can be turned into cash. Since the estimate costs nothing and is completed online, there is nothing to lose.

Points to Note in Advance and Suitability

Of course, Easy factor has its own suitability and drawbacks. Mr. Tanaka also encountered several questions during the information-gathering process.

Disadvantages of Easy factor

• Minimum purchase amount of 3 million yen or more: Small invoices (hundreds of thousands of yen) are not eligible. This service is for businesses with large accounts receivable.
• Initial fees tend to be higher: In many cases, fees gradually decrease with continued use and accumulated transaction history.
• Only available for two-party transactions, not three-party: While it can be used without notifying the debtor, it does not support three-party contracts.
• Cannot be used for salary payment purposes: Be sure to check the restrictions on the use of funds.
• If contract completion is after 3:00 PM, funds are deposited the next business day: To achieve same-day funding, applying in the morning and promptly submitting documents is key.
• Regular monthly use carries a risk of worsening cash flow: Fees accumulate and do not solve the underlying funding shortage.

Addressing Common Concerns

Is the operating company reliable?

No.1 Co., Ltd. is a legitimate business registered with the National Tax Agency under a corporate number, with a track record of 10 years since establishment. It has no connection whatsoever with illegal lenders or salary factoring. Multiple comparison sites also show no serious negative information regarding its operational structure.

Will funds really be deposited within 60 minutes?

This is a realistic figure only when multiple conditions are met, such as applying on a weekday morning, having all documents fully prepared, and smooth verification of the debtor's creditworthiness. If conditions are not met, it will be the next business day, so note that it is not "always 60 minutes."

Can sole proprietors use it?

Use is possible. However, since the minimum purchase amount is 3 million yen or more, it is unsuitable for sole proprietors with only small invoices. In such cases, other services better suited for small amounts are more appropriate.

Is it possible to fail the screening?

Yes. If the debtor's creditworthiness is low or there are deficiencies in the required documents, passing the screening becomes difficult. This is common to all factoring services.

Is it okay to use it every month?

It is not recommended. Continuously covering chronic cash shortages with factoring may put pressure on management due to fee burdens. It should be used only as a temporary cash flow measure.

Even considering these disadvantages, the value of Easy factor remains solid for businesses that meet the conditions. The latest information on screening criteria and fees can be checked on the official website.

Comparison with Major Online Factoring Services

Tanaka decided to research not only Easy factor but also other services, as he learned that even among online factoring providers, there are differences in fees, minimum purchase amounts, and speed.

Features and Suitability of Each Company

• QuQuMo: Strong in small-scale factoring, allowing invoices as low as several hundred thousand yen. Suitable for businesses seeking small amounts of funding.
• Paytner Factoring: Capable of handling small amounts and offers complete online procedures. Also suitable for those considering usage in units of several hundred thousand yen.
• Japan SME Financial Support Organization: Operated by a non-profit organization, suitable for businesses that prioritize peace of mind. Funds can be made available in as little as 3 hours.

On the other hand, Easy factor focuses on mid-sized projects (¥3,000,000+) and, in return, has built a strong position with fast deposit speed and low fees. In other words, it is the most suitable option when you want to quickly and cost-effectively cash out a certain volume of accounts receivable.

By weighing the amount of your company's accounts receivable against the speed and cost you require, it will naturally become clear which service fits best. If you have large receivables and need to monetize them as quickly as possible, Easy factor's advantage is clear.

First, use the free estimate to calmly compare which service can monetize your company's project most advantageously. The estimate costs nothing, and simply gathering information should significantly broaden your options for cash flow management.

So, What Kind of Businesses Is It Best Suited For?

After finishing the comparison table, Tanaka's expression was much brighter than a few days ago. This was because, by applying it to his own situation, it became clear whether Easy factor was "the service he should use now."

Easy factor is best suited for the following types of businesses:

• Businesses whose accounts receivable are from major corporations or government agencies with high creditworthiness: Since the screening emphasizes the creditworthiness of the debtor, it is easier to pass if you have business partners with reliable payment capabilities.
• Businesses with medium-scale funding needs of 3 million yen or more: This meets the minimum purchase amount, making it possible to secure a lump sum of funds.
• Businesses that need speed, from same-day to next-day funding: When payment deadlines are approaching and there is no time to wait for bank loans.
• Businesses that want to complete procedures online: For busy business owners or those who cannot spare time for in-person meetings.

Conversely, it is not suitable for the following cases:

• Small-scale funding of several hundred thousand yen: Since it falls below the minimum purchase amount, services like QuQuMo that handle small amounts are more appropriate.
• Use for payroll purposes: This is not possible due to restrictions on the use of funds.
• Use as a regular, monthly cash flow tool: The accumulation of fees can strain management, so it should be limited to temporary use.

In Tanaka's case, his debtor was a major general contractor with high creditworthiness, his funding need was on the scale of several million yen, and the payment deadline was imminent—these were exactly the conditions where Easy factor performs best.

From Application to Funding: An Incredibly Simple Process

The complexity of procedures can be a major barrier for busy business owners. Easy factor eliminates that barrier to the utmost.

Step 1: Inquiry / Request for Quote Apply via the official website form or by phone. Upload your invoice, and you will receive the quote result by email within as little as 10 minutes. Everything up to this point is completely free.

Step 2: Submit Required Documents You only need to prepare three documents: financial statements (tax return for sole proprietors), the invoice, and a copy of your bankbook. Simply upload them online to complete this step.

Step 3: Screening A credit check on the debtor and a review of the documents are conducted. This takes approximately half a day to 2 business days. The process is designed to prioritize speed and avoid unnecessary back-and-forth.

Step 4: Zoom Meeting A meeting to confirm and explain the contract details. It is not a formal affair and finishes in about 30 minutes to 1 hour.

Step 5: Electronic Contract Sign online using Cloud Sign. The procedure is completed in about 30 minutes. There is no need for mailing or stamping.

Step 6: Funding After the contract is finalized, funds are deposited on the same day or the next business day. If the contract is finalized after 3:00 PM, it will be processed on the next business day, so applying in the morning is smoother.

All steps are completed online, and in the shortest case, funds can reach your account on the same day. Mr. Tanaka felt that this simplicity meant, "Even I can proceed without hassle."

The quote is free. Just prepare the three required documents and fill out the form. The first step towards turning your current cash flow worries into a concrete solution is surprisingly simple.

No More Hesitation Until the Day You Need Cash Flow

Tanaka took a deep breath one last time after pulling up the quotation form on his computer screen. Just a few days ago, he was at his wit's end, thinking, "There's nothing I can do." But now, a clear option lies before him.

The material costs for a large project, outsourcing fees, and end-of-month payments—none of these can wait. Yet, there's no need to sit idly by, waiting 60 days for accounts receivable to come in. By leveraging the creditworthiness of your clients, you can convert those receivables into cash in as little as 60 minutes, with low fees ranging from 2% to 8%.

We won't claim that Easy factor is a universal solution for every business. However, for business owners who have creditworthy clients and face medium-scale funding needs, few options are as powerful as this.

There's no risk in requesting a free quote. It's all done online, and all you lose is a little bit of time. What you gain is a concrete path to freeing yourself from the anxiety of cash flow management.

Take the first step toward easing your cash flow by clicking here for a free quote.

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Important Notes The conditions introduced in this article—such as fees, screening criteria, and payment times—are based on official information and publicly available reviews of each factoring service. Actual conditions may vary depending on the creditworthiness of your client, the application amount, and the timing, so be sure to confirm them yourself when requesting a quote. Factoring differs from borrowing; legally, it is the sale of accounts receivable. It has no connection whatsoever with illegal moneylenders or salary factoring. For stable cash flow management, we recommend using factoring as a means to resolve temporary funding shortages, rather than as a regular practice.

Methodology and Disclosure

Verification Method: This article is based on publicly available information confirmed as of 2026-07-11. The editorial team has not actually contracted or used the target service. It is an explanation based on publicly available information (official websites, third-party reviews, user feedback). Service content, fees, and campaigns are subject to change, so please be sure to check the official information before applying.

Operator Information: The editorial policy and evaluation criteria for this article are described in Editorial Policy, and the verification procedures are described in Evaluation Method. If there are any errors in the content, please report them to the contact desk.

Affiliate Disclosure: This article contains affiliate links, and our site may receive compensation without additional cost to the reader. Compensation does not affect the evaluation content.

Frequently Asked Questions

Is Easy Factor's fee really from 2%?

Yes, the standard range is 2% to 8% (conditions apply). However, the initial fee tends to be higher, and it may decrease with continued use. Please check the official website for details.

What are the conditions for receiving funds in as little as 60 minutes?

Conditions include applying on a weekday morning, having all required documents fully prepared, and the creditworthiness check of the account debtor proceeding smoothly. If the contract is completed after 3:00 PM, funds will be deposited on the next business day.

Can sole proprietors use this service?

Yes, both corporations and sole proprietors are eligible. The required documents are only three items: financial statements, invoices, and a copy of the bankbook. Even newly established businesses may be eligible for screening.

What are the key points for passing the screening?

The creditworthiness of the account debtor (the paying party) is heavily emphasized. Having a major corporation or a government agency as the account debtor makes approval easier. Your own company's performance or deficit is not a direct barrier.

Can I use it to pay salaries?

No, it cannot be used for salary payment purposes. There are restrictions on the use of funds, so prior confirmation is necessary.

Can I use it even if my company has a deficit?

Yes, it is possible. Since factoring evaluates the creditworthiness of the account debtor, your company's deficit is not a direct reason for rejection. However, screening results vary depending on the specifics of the case.

Is it okay to use it every month?

Regular monthly use is not recommended as fees can accumulate, posing a risk of worsening cash flow. It should be used as a means to resolve temporary cash shortages.

What makes it better than other companies?

Its strengths include low fees ranging from 2% to 8% (conditions apply), the fastest funding in as little as 60 minutes, a fully online process, and non-recourse (no right of recourse). User reviews also praise the speed of response and the attentive staff.

References / Sources

This article references publicly available information as of 2026-07-11.

• 【Shortest 60 minutes】EasyFactor – Online factoring for same-day funding, completed entirely online
• How to use online factoring | EasyFactor (Online Factoring)
• How many days does it take to receive funds? | EasyFactor (Online Factoring)
• Easy Factor reviews and ratings | FundBridge – Factoring review comparison and bulk quote specialist site
• EasyFactor reviews and ratings? Explanation of fees and screening content [Latest 2026] | Freedash
• Easy Factor reviews and ratings? Explanation of fees, pros and cons – Fintech Lab
• Easy Factor reviews, ratings, and screening content [Fully online factoring] – Startup School
• Easy Factor (No.1 Co., Ltd.) factoring thorough review｜Fees, ratings, application procedure [2026 edition] – Cash Flow Research Institute
• 【Latest 2026】EasyFactor reviews and ratings – what's the real story? Thorough verification of fees, screening, and benefits! – Deep Review
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• Advantages and disadvantages of online factoring provided by EasyFactor? Also about the usage procedure! | HT Finance