GMO-PG Partners with Money Forward to offer a Lending Service to SMEs with a Credit Model that Uses Billing and Accounting DataPartnered with Money Forward to use invoice and accounting data
Provides SME lending in credit models
~Money Forward's invoice ・ Developed for companies and sole proprietors who use accounting software~

This service is provided as the first step in Money Forward's MF Cloud Finance ^(*1).​
GMO-EP combines real-time sales forecasts with invoice data, which allows companies and sole proprietors who use both the cloud-based invoice management software "MF Cloud invoice" and the cloud-based accounting software "MF Cloud Accounting and Tax Return" developed by Money Forward, and daily accounting data credit check We will do it. Corporations and sole proprietors can obtain loans quickly without preparing financial statements, collateral, or guarantors, and can raise funds before the annual settlement of accounts is closed. Loans will be issued within a minimum of 5 business days from the date of application.

■ Flow of "Lending using invoice data and accounting data"

(1) Corporations and sole proprietors who wish to raise funds can access Money Forward's loan review request system "MF Cloud Finance" from the management screen of "MF Cloud invoice", select GMO-EP, enter the desired loan amount, etc., and request a review. invoice and accounting data of corporations and sole proprietors are sent to GMO-EP.
(2) GMO-EP calculates and responds to loan amounts and interest rates using invoice and accounting data.
(3) If a corporation or individual business can receive a loan under these conditions, you can apply as it is. In that case, financial statements and collateral are not required.
(4) GMO-EP will verify your identity and carry out various procedures to provide a loan.

(*1) A new Fintech service that enables users of the "MF Cloud Series" to raise funds from financial institution and other sources by utilizing data from "MF Cloud invoice" and "MF Cloud Accounting". A cloud service for businesses consisting of "MF Cloud Tax Return" and invoice management software "MF Cloud invoice". As of September 2016, it has 500,000 users.

<Flow chart of "Lending using invoice data, accounting data, etc.">

Since its establishment in May 2012, the company has been developing and providing money-related platforms such as automatic household accounting and assets management services, as well as cloud services for businesses. In addition, we operate a web media that disseminates correct knowledge and deals about money, and the Money Forward Fintech Research Institute.

GMO-PG provides comprehensive payment-related services to 72,569 merchants (as of June 2016 of the GMO-PG Group), including online businesses such as online shops and digital content, businesses that charge monthly fees such as NHK and subscription, and public entity stores such as the Japan Pension Service and the Tokyo Metropolitan Government.
With a focus on payment services, we provide value-added services such as web advertising services that contribute to improving sales of merchants, finance-related services such as loans to financially support the growth of merchants, and overseas businesses such as the provision of overseas payment services, resulting in an annual Transaction value of more than 1.8 trillion yen.
GMO-PG aims to provide a safe and convenient payment for consumers and businesses, and to become the infrastructure for the payment process. As a leading company in the payment industry, we will continue to lead new innovations such as FinTech and contribute to improving the EC ratio of Japan.

GMO-EP is a payment processing services service provider with no initial cost or transaction processing fee ^(*2).​
Just by contract GMO-EP, you can use various payment method and delivery services such as Credit card payment, CVS Payment, E-wallet, smartphone carrier payment, etc. at once, without the need to build a system for each payment company. Since the product price collected from the buyer and the freight settlement for delivery are also carried out in one go, it is possible to save a lot of time and cost. In addition, TSE is a member of the GMO Internet Group, which is a partially listed company, and the security standards of the system comply with PCI DSS and ISMS, making it an environment that EC businesses can use with peace of mind.

(*2) Transaction processing fee is a fee charged for each communication with a credit card company, such as credit card authorization (acquisition of an authorization number) and billing.

Money Forward Corporate Site

URL : http://corp.moneyforward.com/

GMO-PG (Company Profile)

URL :https://corp.gmo-pg.com/en/

GMO-PG (Service)

URL :https://www.gmo-pg.com/en/

GMO-EP Site

URL : http://www.epsilon.jp/