“Handy Money” is popular way of raising working capital for small/medium businesses in the USA.It is quick and easy and now available in Japan.

Merchant Cash Advance

We advance the working capital for your business based on your expected future sales. Your monthly settlement adjust to your actual monthly sales so no worries about slow sales.

No Collateral or Guarantees

Unlike borrowing money, no need for collaterals or guarantees. Foreigners are also welcome.

Quick and Easy Application

Apply with your smartphone or internet. No need for cumbersome paperwork.

※ Evaluation is based on our AI driven algorithms.

• 

  Corona ProblemItalian Restaurant Owner Mr.C(Shibuya, Age48, JPY 300k)

  I needed a quick cash to pay my part time helper and wholesalers.Applied through Smartphone and received cash in 3 days. This service is very helpful for small restaurant owners like me. I will definitely recommend to my friends in restaurant business.

• 

  All I needed was Driver’s License and Bank PassbookBeer Pub owner Mr.K(Shinagawa, Age40, JPY 300k)

  We primarily operate during the night and Corona really hit us hard. Banks won't lend us money so I gave it a try. All I needed was to take pictures of my drivers license and bank passbook with my smartphone and send it. No questions asked and I received money right away. Fee was 10% so it was cheaper than cloud funding services:)

• 

  Settlement was delayed but no problemCafé Bar Owner Mrs.T (Toshima, Age35, JPY 300k)

  I purchased a new Air Cleaner Unit for to handle Corona Virus. The sales went down anyway and it took longer to settle but There were no penalties for the delay. I hope my customers come and enjoy the clean air without worrying about the virus.

• 

  Foreigners are accepted tooIndian Restaurant owner Mr.N(Chiyoda, Age53, JPY 500k)

  Thank you for your timely cash advance service.Under COVID-19, I was having difficulties paying for employees salaries and food supplies to maintain my business.It is also difficult for foreigners like myself to get a loan in Japan. But you came through and funded me so that I can continue operating my restaurant. Thank you again for your timely cash advance services.