日本語 
Miroku Information Service Co., Ltd. has teamed up with OLTA Co., Ltd. to launch ‘Rakutasu Cloud Factoring powered by OLTA’ on April 20, 2026. The target is clear. Small and mid-sized businesses that constantly struggle with cash flow gaps.
The service lets companies sell their accounts receivable and get cash in as little as one business day. It is not a loan, so there is no impact on credit scores, no collateral, and no guarantor. It also works as a two-party factoring model, which means businesses can use it without informing their clients.
The roles are split cleanly. OLTA handles the backend including system infrastructure, credit assessment, and purchasing of receivables. Miroku brings distribution. They plug this into their ‘Rakutasu’ cloud lineup and push it through their nationwide network and existing SME customer base.
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The timing is not random. SMEs in Japan already have limited financing options, and managing cash flow between invoicing and payment cycles is a constant problem. Add to that the planned phase-out of promissory notes and checks by the end of fiscal 2026, and the pressure increases.
OLTA has been in this space since 2017 with its online factoring model built on AI-based screening. Miroku, on the other hand, sits deep inside SME accounting and operations.
Put that together and the play becomes obvious. Make funding faster, simpler, and fully online. No paperwork loops, no waiting cycles, no dependency on traditional instruments that are anyway on their way out.
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