Raccoon Financial and MIRAIS Group Sign Customer Deal

Raccoon Financial Co., Ltd., MIRAIS Co., Ltd., and MIRAIS Tech Co., Ltd. have signed a business matching agreement focused on customer introductions.

Company Overview

MIRAIS Co., Ltd. operates within the light cargo transportation and IT sectors, guided by its vision of “Creating the ‘connections’ of the future.” As the IT arm of the MIRAIS Group, MIRAIS Tech Co., Ltd. was founded in February 2020 with the mission to “redefine society and connect to the future” through technological solutions. Its core offerings include PAYS, a prepayment service for outsourcing, and KURUMAN, an information management system designed for light cargo operators.

Customizable URIHO Plan and “Prepayment Guarantee” Gain Traction

Raccoon Financial provides URIHO Order Plan, a tailored version of its subscription-based accounts receivable guarantee service, URIHO. This offering addresses challenges such as delayed payments or partner bankruptcies by delivering personalized guarantee plans suited to individual company needs.

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MIRAIS Tech’s PAYS service has incorporated an “advance payment guarantee” model through the URIHO Order Plan. With PAYS, payments are made in advance to self-employed drivers on behalf of the freight company, which then reimburses the total advance amount plus fees at a later date. Credit screening and guarantees are handled by URIHO, enabling PAYS to scale its customer base without compromising payment security.

Strategic Collaboration Through Business Matching

Recognizing the rising demand for receivables guarantees in the transport industry, the three companies have agreed to a business matching initiative that introduces URIHO services to MIRAIS Group’s customer base.

The initiative includes two options. First, there’s the standard subscription-based URIHO, with a monthly fee of ¥9,800. Second, the customizable URIHO Order Plan can be tailored to meet specific industry needs, like prepayment guarantees. These options help small and medium-sized businesses pick the right plan for them.

With this partnership, the MIRAIS Group can offer clients a strong accounts receivable guarantee. This solution reduces non-payment risks and supports safer, more reliable business transactions.

Raccoon Financial is dedicated to building strong partnerships. It aims to expand its URIHO service to more businesses in different sectors.