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A new financial possibility, the market for credit risk, which expands opportunities for a variety of companies to take on new challenges
The business model is a market for connecting companies who want their risk to be underwritten and those looking to underwrite risk and gain income.
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Our goal is to provide solutions for issues faced by society, and to create a society where new business is constantly created
Through our guarantees, we aim to drive forward the growth of new business in order to provide solutions to the issues faced by society and to help achieve a society where new initiatives are constantly created.
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One of the largest troves of big data on business-to-business transactions in Japan
eGuarantee, which handles more than one trillion yen in risk on an obligation basis annually, has a mechanism which brings in information from many companies in the course of providing guarantees.
ABOUT US
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OUR PURPOSE
Our goal is to provide solutions for issues faced by society, and to create a society where new business is constantly created
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Business Model
A market for connecting companies who want their risk to be underwritten and those looking to underwrite risk and gain income
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Business Model
One of the largest troves of big data on business-to-business transactions in Japan
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Service
Take opportunities and grow your transactions with peace of mind
While negotiations for new transactions or a sudden and drastic increase in the amount involved in transactions might present opportunities for many companies, companies are faced with having to make difficult decisions if they are unable to determine the degree of risk in the transactions. eGuarantee’s services enable companies to hedge risk in part or in whole, putting them in control and allowing them to take the valuable opportunities presented to them and grow their transactions with peace of mind.
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Service
Build a credit management system on a par with major companies
With eGuarantee’s services, even SMEs that do not have a credit management system can build one comparable to a major trading company or financial institution, enabling them to expand and develop their business without the restrictions imposed by their own risk tolerance.
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An essential player in new financial services
While fintech companies are skilled at providing new and convenient financial services, they sometimes lack know-how when it comes to peripheral functions such as assessing the risk associated with a company. So by outsourcing work in such fields where they lack skills to risk analysis experts eGuarantee, these companies can accelerate their business development.
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Freedom from risk management for minor transaction partners
Risk management for transaction partners and debt collection work impose a significant workload on companies who have numerous minor transaction partners. But by using eGuarantee’s service that guarantees all transactions up to a certain amount, such companies can reduce risk management work for minor transaction partners to zero.
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Making the most of the strengths of Japanese SMEs
Japanese SMEs have many strengths, including product development capabilities, manufacturing processes that enable business agility, and sales abilities. To enable them to concentrate their resources into these strengths, eGuarantee supports SMEs from the perspective of credit risk management.
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Risk hedging for transactions with no accounts receivable
CDS (credit default swaps) can provide a guarantee in transactions where there are no accounts receivable. They provide a solution for losses where no demand for payment to a company that has gone bankrupt is possible due to the absence of accounts receivable, such as costs incurred from having to switch to a new supplier when an original supplier goes bankrupt.
*CDS applications are only accepted from financial instrument business operators, or from corporate clients with capital of one billion yen or more. -
Service
Linking with in-house IT systems for business agility
With online business-to-business sales, the computerization of supply chain management, and other such advances, the computerization of business-to-business transactions is proceeding apace. eGuarantee is able to put in place systems that link to clients’ internal systems and enable clients to check the creditworthiness of a company in real time, and to find out the maximum limit for sales to such companies.
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Decision speed drives company growth
In business-to-business transactions nowadays, the ability to respond swiftly to inquiries is a major differentiating factor. Our speedy assessments of companies support clients’ decision making to ensure opportunities are not missed.
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Accurate profit margin estimates for each transaction partner
With transactions involving deferred settlements, the focus tends to be limited to two outcomes: collected, where the sales amount can be recovered, or uncollected, where it cannot be recovered. But in reality, it is possible to express the degree of risk for each transaction in numbers. Clients can factor the degree of risk into their base costs when calculating profit margins, and some companies even use it when setting prices.
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Freedom for staff from payment collection work
While all clerical operations are becoming increasingly streamlined as digital transformation progresses, the collection of payments always requires manual effort. Using eGuarantee’s services enables you to fundamentally eliminate payment collection work and reallocate staff to important areas.
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A Strong Ally for EC Business
Deferred Postage Payment Guarantee ServiceJapan Post's strength is its nationwide network. Deferred postage payment guarantee services minimize the financial burden and make it easier for e-commerce businesses to ship products.
COMPANY
eGuarantee
by the numbers
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Guarantee
balance1 trillion
yen -
Increase
in income and profit21 th
consecutive
year -
Number of company
examinations per month30,000
companies -
Number
of risk underwriters310,000
companies -
Average
age32.3
years old
