Paytner Inc., a Tokyo-based startup providing the online factoring service “Paytner” for freelancers, has raised a total of 2.7 billion yen to support its next phase of business growth. The funding was secured through a combination of initiatives, including a large-scale syndicated loan arranged by Mizuho Bank.
Since launching its service in September 2019, Paytner has focused on building a financial system that allows individuals, especially freelancers, to take on new challenges without cash flow constraints. Over the past six years, the company’s factoring transaction volume has expanded rapidly, increasing by 876 times compared to its early stages. This growth has driven the need for a stronger and more flexible financial foundation.
The newly raised funds will be used to accommodate the growing volume of transactions and to develop new features for the Paytner platform. As part of the syndicated loan structure, multiple financial institutions are participating, with ongoing financial monitoring support provided by UPSIDER Capital, a group company involved in the arrangement.
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According to Paytner, the scale of this syndication is notable for a startup in a high-growth phase and reflects strong confidence from financial institutions in the company’s business model and long-term vision.


