Solving cash flow challenges ​
with ​diverse options

B2B Services

Improving cash flow through cash flow visualization, 
payment extension, and online financing. 

Inquiries
  • *We will provide you with the application and inquiry information for each service.

From daily cash flow management,
Even procurement in case of emergency.
We will help you resolve your financial concerns.

These are some of the challenges in business operations.

Three B2B services

  • Fund management

    Affiliated store 
    limited     BizCRECO

    A cloud-based service that centralizes the management of transaction data across multiple bank accounts and credit cards. 
    We support forward-looking financial management by combining past performance, plans, and forecasts.

    • Real-time management of deposits, withdrawals, and balances across multiple accounts and credit card information.
    • Actual results, plans, and forecasts are all visualized together on a dashboard.
    • No separate login is required for each financial institution.
    view the details
  • Cash flow

    Invoice Card Payment

    A service that allows you to pay your invoices with a credit card.
    We will extend payment deadlines by up to 60 days to help improve your cash flow.

    • Extend payment by up to 60 days
    • Available as early as the same day after application.
    • Improving cash flow through methods other than borrowing
    view the details
  • Fundraising

    Affiliated store 
    limited     Merchant Support Loan

    Online loan service available exclusively to our affiliated stores.
    Secure the business funding you need with no financial statements, zero in-person visits, and no interviews required. 

    • Supports up to 30 million yen.
    • In principle, submission of financial statements is not required.
    • No need to visit our office or meet in person (completed entirely online)

    Generally, financial statements are not required, but you may be asked to submit them depending on the review process.

    view the details
  • Terms of use and fees vary for each service. Please check the individual service pages for details.
  • To use "SBPS BizCRECO," please note that we are an agent for IT Realize Co., Ltd. (ITR), and the service is contracted between the merchant and ITR.
  • To utilize the "Member Support Loan," we act as an agent for ITR, a lending company, providing information and facilitating the loan service. The contract will be concluded with ITR after a prescribed screening process.

Use Cases

From daily financial management and payment adjustments to fundraising for business expansion.
We will introduce how our B2B services can be used in a way that suits your business's growth phase and challenges.

  • restaurant

    assignment

    • As the number of stores increases, managing multiple accounts becomes complicated.
    • It's time-consuming to track deposits, withdrawals, and balances.
    • We often lack the funds needed to expand our stores.

    Resolution

    • Centralized management of cash flow and visualization of the situation
    • Adjust payment deadlines to stabilize cash flow.
    • We can smoothly secure the necessary funds and realize the opening of new stores or renovations.

  • EC business

    assignment

    • Payments for procurement and advertising expenses come first.
    • The payment cycle is long, and cash flow is unstable.
    • We need funds for expanding our inventory and investing in sales promotions.

    Resolution

    • Visualize cash flow and optimize it.
    • Adjust payment deadlines to ensure sufficient working capital.
    • With financial concerns resolved, we can continue and expand stable procurement and advertising investments.

  • Marketing support company

    assignment

    • Outsourcing and production costs are incurred before the event takes place.
    • The period until payment is long, and there is a shortage of funds.
    • Managing multiple projects simultaneously

    Resolution

    • Understand the flow of funds and efficiently manage multiple projects.
    • Adjust payment deadlines and secure available funds.
    • ​With increased cash flow, we were able to secure upfront funds for securing large-scale projects.

Reasons why our B2B services are chosen

Improving cash flow requires not a single solution, but rather a tailored approach to address the specific challenges.
Our B2B services offer a range of options tailored to the merchants.

  1. Trust as a SoftBank group company

    As the company responsible for SoftBank's payment business, we provide a service quality and support system that you can use with confidence.
    Beyond providing B2B services, we also offer consultation on all aspects of payment processing.

  2. Support from visualization and payment adjustment to procurement.

    We can support your business's financial challenges from multiple angles, including visualization, payment adjustment, and fundraising.

  3. Speedy problem solving
    Supporting design

    Our B2B services help merchants quickly resolve their payment and financing challenges.

From daily cash flow management to securing funding when needed.
Three services to help solve your financial problems.

FAQ

  • Q

    How should I use these three services differently?

    A

    You can choose according to your needs.
    For visualization of fund management, consider "SBPS BizCRECO"; for adjusting payment timing, consider "SBPS Invoice Card Payment"; and for securing business funds, consider "Merchant Support Loan".
    Please check each service page for details.

  • Q

    Does SBPS Invoice Card Payment constitute a loan?

    A

    SBPS Invoice Card Payment does not constitute borrowing.
    SBPS Invoice Card Payment is a service that allows you to pay your invoices with a credit card.
    We help improve cash flow by extending payment deadlines by up to 60 days.
    Please see the "SBPS Invoice Card Payment" page for details.

  • Q

    Can anyone apply for the merchant support loan?

    A

    The Merchant Support Loan is an online lending service for our member merchants.
    Applications are subject to a screening process.
    Please see the "Merchant Support Loan" page for details.

  • Q

    What can you do with SBPS BizCRECO?

    A

    SBPS BizCRECO is a cloud-based fund management service for our affiliated merchants.
    It centrally manages deposit and withdrawal information from multiple accounts and credit cards, making it easier to forecast cash flow based on actual results, plans, and predictions.
    For more details, please check the "SBPS BizCRECO" page.

For those considering introducing or utilizing B2B services

Please select the service you are considering and proceed to the inquiry form.
We will guide you to the contact information for applying for and inquiring about each service.