Verification Status: This article is based on publicly available information (the editorial team has not personally used or traded).
How a Cash-Strapped Business Owner Found "Shikin Chotatsu Pro"
Image source: shikin-pro.com (Official Site) — Used for identification of the reviewed service
President Tanaka's dilemma is one that many small and medium-sized business owners face at some point. A large order is a sign of opportunity, but material costs and subcontractor payments won't wait. The accounts receivable collection period is months away. How to secure working capital in the meantime becomes a make-or-break issue for the business.
Even when applying for a bank loan, rejection due to financial statement figures or insufficient collateral is not uncommon. In fact, Tanaka approached several financial institutions but received no favorable response from any of them. It was in this dead-end situation that he discovered Shikin Chotatsu Pro (Factoring Free Diagnosis).
This service is a matching platform that provides free diagnosis and referral of optimal funding methods for corporations and sole proprietors. From over 1,000 affiliated factoring companies, it introduces providers that match the user's conditions. The diagnosis is completely free, and everything can be completed online. It is suitable for those who need funds urgently, businesses that have been rejected for bank loans, or those looking to secure bridge financing.
The key point here is that factoring is a "sale of accounts receivable," not a loan. By having a factoring company purchase your receivables, you can raise funds without increasing your liabilities. Since the credit assessment focuses on the creditworthiness of your debtor rather than your own company, it opens up funding possibilities from a different angle than bank loans.
5 Strengths of Shikin Chotatsu Pro｜Why 30,000 People Chose It
What President Tanaka first noticed was the ease of thinking, "This is worth a try." Among the many factoring services available, Shikin Chotatsu Pro has five key strengths worth highlighting.
1. Compare multiple companies instantly with a 10-second free diagnosis Its biggest feature is that you can get quotes from multiple factoring companies by simply filling out a form in about 10 seconds. Normally, contacting each company individually is a major hassle, but with Shikin Chotatsu Pro, a single diagnosis introduces you to around 4 to 6 companies that match your needs. Being able to save time while selecting the best terms is a significant advantage.
2. Over 30,000 users and a cash flow improvement rate of 93%+ According to several comparison sites, Shikin Chotatsu Pro has surpassed 30,000 users and reports a cash flow improvement rate of over 93%. These figures indicate that many business owners have actually experienced better cash flow.
3. Cases of raising up to ¥10.8 million as fast as the same day One review site features a case where a user was able to raise ¥10.8 million on the same day. In the world of cash flow management, where speed is critical, this quick turnaround is a reassuring factor. Of course, the time to receive funds varies depending on the case and partner company, but it shows that the service is equipped to meet urgent needs.
4. Available even for businesses rejected for bank loans Since factoring focuses on the creditworthiness of the accounts receivable, there is a chance of passing the screening even if your own company's performance or collateral is a concern. In fact, multiple review sites include comments from users who say, "I was turned down for a bank loan but was able to secure funding here."
5. Reliability of being operated by a TSE Prime-listed company group The company behind Shikin Chotatsu Pro is part of a group listed on the Tokyo Stock Exchange Prime Market. Since there are unscrupulous operators in the factoring industry, the fact that it is run by a listed company group is an important factor for considering its use with peace of mind.
Disadvantages and Points to Note – What to Check Before Applying
Of course, it's not all positive. Before applying, Mr. Tanaka was also concerned about whether it was "really safe." Here is an honest summary of the disadvantages and points to note based on publicly available information.
1. You may receive calls from multiple factoring companies after the diagnosis This is the most frequently mentioned issue. Since Shikin Chotatsu Pro is a matching service, factoring companies affiliated with the platform may contact you directly based on your diagnosis results. Multiple review sites confirm reports of users receiving calls from several factoring companies. Whether you can tolerate the hassle of handling these calls is something to consider before using the service.
2. Fees vary by partner company and cannot be determined in advance While the diagnosis itself is free, the actual factoring fees differ depending on the partner company. Shikin Chotatsu Pro does not publish fee estimates on its website, so you will need to wait for quotes from each company. This service may not be ideal if you want a firm commitment on the cost upfront.
3. Approval rates are not disclosed, and funding is not guaranteed Receiving a diagnosis does not guarantee that you will secure funding. The approval rate is not made public, and the final decision on whether a contract is possible rests with the partner factoring company. However, the service is designed to be easy to use, with no special conditions imposed on users.
4. Regarding concerns that "this might be a shady service" While some online comments question whether the service is legitimate, the fact that the operating company is part of a group listed on the Tokyo Stock Exchange Prime Market is an objective indicator of its reliability. Additionally, since the diagnosis is completely free, you can start gathering information without any financial risk, which should help ease any concerns.
Actual User Reviews & Ratings: A Thorough Analysis | Positive and Negative Feedback
President Tanaka next focused on the voices of actual users. Analyzing reviews posted on multiple review sites and comparison media reveals the following key trends.
Positive Reviews: Praise for Speed and Ease of Use Many users appreciate the simplicity of the assessment and the speed of funding.
"I easily found multiple factoring companies." (Source: Multiple review sites)
"Everything was completed online, and the required documents were minimal compared to other companies." (Source: Multiple review sites)
"I was able to secure 10.8 million yen on the same day." (Source: Multiple review sites)
"I had been turned down for a bank loan, but I was able to get funding here." (Source: Multiple review sites)
"They helped me cash out my accounts receivable early, which was a lifesaver." (Source: Multiple review sites)
"I'll consider consulting them again if I'm in trouble." (Source: Multiple review sites)
These comments suggest that the funding platform is functioning effectively as an alternative to bank loans and as a means of emergency financing.
Negative Reviews: Complaints About Phone Calls On the other hand, a certain number of negative comments exist, such as:
"I received phone calls from multiple factoring companies." (Source: Multiple review sites)
This is an unavoidable aspect of the matching service structure, but it can be stressful for those who dislike phone calls or cannot take calls during the day.
Sentiment Trends in Reviews According to aggregated data from multiple review sites, approximately 70% of reviews are positive, 20% are neutral, and 10% are negative, indicating a generally favorable overall rating. However, since the exact sample size is unknown, it is best to view this as a general trend.
Thorough Comparison with Other Factoring Services | Positioning of Shikin Chotatsu Pro
Here, President Tanaka decided to compare Shikin Chotatsu Pro with other factoring services. By placing it alongside competitors rather than evaluating it alone, its positioning becomes much clearer.
| Comparison Item | Shikin Chotatsu Pro | Bee Trading | QuQuMo | Japan SME Financial Support Organization |
|---|---|---|---|---|
| Estimated Fee | Varies by company (undisclosed) | — | From 1% | — |
| Funding Speed | Fastest: same day | Fastest: 2 hours | — | Fastest: 3 hours |
| Required Documents | Minimum (ID, invoice, bankbook copy, financial statements, etc.) | 2 items | — | — |
| Purchaseable Amount | ¥1 million to ¥300 million | — | — | Small amounts accepted |
| Fully Online | Yes | — | Yes | — |
| Company Reliability | TSE Prime Market listed group | Cumulative purchases over ¥155 billion | — | Operated by a non-profit organization |
| Key Feature | Multiple company comparison possible | Speed and track record | Low fees starting from 1% | Peace of mind from a non-profit |
*Figures are based on official information from each company and publicly available data from comparison sites. Please check each company's official site for details.
Who Should Choose Which, Ultimately
- Shikin Chotatsu Pro: Best for those who want to compare multiple companies to find the best terms, and who value the reliability of a TSE Prime Market listed group. Ideal for those who want a broad range of options without much hassle.
- Bee Trading: Best for those who prioritize speed above all else. The track record of funding in as little as 2 hours is a major advantage in urgent situations.
- QuQuMo: Best for those who place the highest importance on low fees. The low rate starting from 1% is a significant draw for businesses looking to keep costs down.
- Japan SME Financial Support Organization: Best for those seeking the transparency of a non-profit organization and the ability to start with small amounts.
Shikin Chotatsu Pro's greatest strengths are "comparison of multiple companies" and "the peace of mind of a listed group." For anyone who wants to compare a wide range of conditions before narrowing down to a single company, there is no more suitable service. Moreover, the diagnosis is completely free, with zero financial risk.
How to Use the Funding Pro Service｜5 Steps from Free Diagnosis to Deposit
After completing his comparison, President Tanaka decided to go ahead and apply. The actual process is surprisingly simple, consisting of the following 5 steps.
Step 1: Free Diagnosis on the Official Website (About 10 Seconds) First, visit the official website and enter the desired amount and information about your accounts receivable. It takes only about 10 seconds. You can also choose whether to notify the debtor (two-party or three-party arrangement) at this stage. The input fields are kept to a minimum, so even first-time users won't get confused.
Step 2: Contact from Partner Factoring Companies Based on the diagnosis results, you will be contacted by approximately 4 to 6 factoring companies that match your conditions. One thing to note here is that the primary means of contact is by phone. Since calls from multiple companies may come in at once, it's a good idea to anticipate a time slot when you can handle them smoothly.
Step 3: Compare Quotes from Each Company Compare the fees and conditions offered by each company and select the one that best suits your business. It's important to make a comprehensive judgment, considering not only low fees but also deposit speed and contract terms.
Step 4: Submit Required Documents for Final Screening Submit the required documents to your chosen company, such as identification, invoices, a copy of your bankbook, and financial statements. The documents are kept to a minimum, and in most cases, the entire process can be completed online.
Step 5: Contract Signed, Funds Deposited Once you pass the screening, the funds will be deposited into your designated account after the contract is signed. Depending on the case and the company, you can expect the funds to arrive as early as the same day.
Throughout this entire process, there is absolutely no financial risk for the user. The diagnosis is completely free, and just because you receive a quote does not mean you are obligated to sign a contract. The service is designed so you can take that first step casually, simply to gather information.
Summary: Who Should Use Fundraising Pro
In the end, President Tanaka was able to obtain quotes from multiple factoring companies through Fundraising Pro and select a provider with terms that suited his company. He secured a path to funding that bank loans couldn't offer, and now has a clear outlook for paying the material costs for that large order.
Fundraising Pro is especially recommended for:
- Those who find bank loans difficult and are seeking alternative funding options
- Those who want to compare multiple factoring companies at once
- Those who want to find the best terms without the hassle
- Those who prioritize speed and want the quickest possible funding
- Those who value the peace of mind of a service run by a listed company group
Fundraising Pro is less suitable for:
- Those who want to lock in fees upfront (you'll need to wait for quotes from each company)
- Those who want to avoid any phone contact (due to the nature of the matching service, phone calls are involved)
Fundraising Pro's free diagnostic is a low-risk first step that starts with zero financial commitment. There's no obligation to sign a contract just because you've used the diagnostic. It's well worth trying, even just to gather information on what terms your company's accounts receivable could be purchased, by visiting the official website.
The content of this article is based on publicly available information. Fees, screening criteria, and funding times vary depending on the affiliated factoring company and the specific case. Factoring involves the sale of accounts receivable and differs from loans subject to the Money Lending Business Act. Please be careful not to confuse it with illegal lenders or salary factoring providers. When using these services, be sure to check each company's official information and make your own decisions at your own responsibility.
Methodology and Disclosure
Verification Method: This article is based on publicly available information as of 2026-07-29. The editorial team has not actually subscribed to or used the services in question. The explanations are based on publicly available information (official pages, third-party reviews, and user feedback). As service details, fees, and promotions are subject to change, please be sure to check the official information before applying.
Publisher Information: The editorial policy and evaluation criteria for this article are described in the Editorial Policy, and the verification procedures are outlined in the Evaluation Method. If you find any errors, please report them to our contact desk.
Affiliate Disclosure: This article contains affiliate links, and our site may receive compensation at no additional cost to the reader. Compensation does not affect the evaluation content.
Frequently Asked Questions
Is the Funding Pro diagnosis really free?
Yes, it is completely free. There are no charges from filling out the diagnosis form to receiving introductions to partner factoring companies. However, when you actually sign a factoring contract, each company's standard fees (conditions apply) will apply.
Are the reviews about persistent sales calls after diagnosis true?
Multiple review sites confirm reports of receiving calls from several factoring companies after diagnosis. Because of the matching service structure, contact from partner companies is unavoidable. Consider the time required for phone follow-ups before deciding to use the service.
I'm worried about passing the screening. What is the approval rate?
The approval rate is not disclosed, and funding is not guaranteed. However, factoring emphasizes the creditworthiness of your accounts receivable, so even if your company's performance or collateral is a concern, you may still pass screening. There are cases where businesses turned down for bank loans have successfully used this service.
How much are the fees?
Fees vary by partner factoring company and cannot be determined in advance. Funding Pro's website does not publish estimates; you need to wait for quotes from each company. Fees are subject to conditions.
What documents are required?
The diagnosis form takes about 10 seconds to complete and requires minimal information. For the actual factoring contract, you will need details about your accounts receivable and invoices, but reviews note that the required documents are more minimal compared to other services.
Can sole proprietors use this service?
Yes, sole proprietors are eligible. Funding Pro is a service that provides free diagnosis and introduction of optimal funding methods for both corporations and sole proprietors. There are no special conditions for diagnosis, and you can apply easily.
What is the difference between two-party factoring and three-party factoring?
The article does not specify, but generally, two-party factoring allows you to raise funds without notifying your debtor, while three-party factoring requires the debtor's approval. Since Funding Pro's partner companies handle different types, you will need to confirm with each company after diagnosis.
How long does it take from application to funding?
There are cases of funding up to 10.8 million yen (conditions apply) as soon as the same day. However, the actual disbursement time varies depending on the case and partner company. While the service is set up to meet urgent needs, same-day funding is not guaranteed.
Sources
This article is based on publicly available information as of 2026-07-29.
Related articles
[2026 Latest] SoKuMo Reviews, Fees, and Screening Thoroughly Explained: Verifying the Shortest 30-Minute Online Factoring from Actual Reviews
Thoroughly verify the latest 2026 SoKuMo reviews from user feedback. Fees from 1% (conditions apply), fastest 30-minute payout, sole proprietors OK. Also explains disadvantages and screening tips.
[2026 Latest] What is the reputation of QuQuMo online accounts receivable advance payment? Who can use it based on fees and reviews?
A thorough explanation of the latest reviews and feedback on QuQuMo online accounts receivable advance payment in 2026. Introduces the reality of fees ranging from 1.0% to 14.8% (conditions apply), the conditions for the fastest 2-hour deposit, and whether sole proprietors can use it.
[2026] PayBridge Reviews and Fees? Thorough Explanation of Advertising Industry-Specific Financing
Latest 2026. PayBridge is a factoring service specialized in the advertising and IT industries. It enables funding from the purchase order stage, supports two-party transactions, and offers deposit in as little as 2 hours. Cumulative purchases exceed 23 billion yen. Fees are conditional.