Announced details
Personal lending, corporate lending, and credit-related services including money lending and instalment sales
Cumulative applicants for screening exceeded 300,000 (as of 11 September 2026)
300,000 cumulative applicants for screening for personal loan services (as of 11 September 2026)
Finatext provides Crest, while 株式会社スマートプラスクレジット, which holds a money-lending business licence, supports financial operations. For some personal services, 株式会社スマートプラスクレジット provides loans after entering into guarantee agreements with guarantee companies. Each implementation partner is identified as a company that has adopted Crest.
JCOM フィナンシャル株式会社, 株式会社メルペイ, 株式会社スマートバンク, 株式会社B4A Technologies, 株式会社TERRAS and 株式会社スマートプラスクレジット are each identified as either a company with an implementation track record or a provider of services for corporate customers. 株式会社スマートプラスクレジット holds a money-lending business licence, was established in April 2022, is based in Chiyoda-ku, Tokyo, and is represented by Osawa Kazuaki (大澤和明). The locations, representatives, capital and other details of the other counterparties are Not disclosed.
Sumitomo Fudosan Kudan Building, 9th Floor, 1-8-10 Kudan-kita, Chiyoda-ku, Tokyo (Finatext, 株式会社スマートプラスクレジット and others)
In this announcement the company addresses none of Contract Value / Offering price / Impact on Business Performance.
| Item | Details |
|---|---|
| Names of Products / Services Covered | Credit business platform “Crest (クレスト)”, J:COM Premium Loan (for J:COM subscribers only), Merpay Smart Money, Pay-Later Charge: My-Pace Payments, B4A Smart Loan, Loan Checker, BizGrowth |
| Counterparty | JCOM フィナンシャル株式会社, 株式会社メルペイ, 株式会社スマートバンク, 株式会社B4A Technologies, 株式会社TERRAS, 株式会社スマートプラスクレジット |
| Counterparty overview | JCOM フィナンシャル株式会社, 株式会社メルペイ, 株式会社スマートバンク, 株式会社B4A Technologies, 株式会社TERRAS and 株式会社スマートプラスクレジット are each identified as either a company with an implementation track record or a provider of services for corporate customers. 株式会社スマートプラスクレジット holds a money-lending business licence, was established in April 2022, is based in Chiyoda-ku, Tokyo, and is represented by Osawa Kazuaki (大澤和明). The locations, representatives, capital and other details of the other counterparties are Not disclosed. |
| Relationship with the Company | Finatext provides Crest, while 株式会社スマートプラスクレジット, which holds a money-lending business licence, supports financial operations. For some personal services, 株式会社スマートプラスクレジット provides loans after entering into guarantee agreements with guarantee companies. Each implementation partner is identified as a company that has adopted Crest. |
| Applicable area | Personal lending, corporate lending, and credit-related services including money lending and instalment sales |
| Location | Sumitomo Fudosan Kudan Building, 9th Floor, 1-8-10 Kudan-kita, Chiyoda-ku, Tokyo (Finatext, 株式会社スマートプラスクレジット and others) |
| Quantitative Effects | Cumulative applicants for screening exceeded 300,000 (as of 11 September 2026) |
| Usage history | 300,000 cumulative applicants for screening for personal loan services (as of 11 September 2026) |
Items this document does not state (10)
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.Against a backdrop of growing demand for new credit services driven by digitalisation and the shift to cashless payments, Crest supports financial institutions in improving operational efficiency and embedding lending functions.