Flexibility as a non-bank

Faster than banks and available to low-income individuals, freelancers, and dispatch app drivers. Loan execution is achieved in the shortest possible time by utilizing personal credit score data.

Global Expansion

We will expand into countries and regions where auto financing is still underdeveloped, such as Mongolia, East and West Africa, and the Middle East, and provide flexible loan plans in line with local laws and culture.

Convenience through a unified mobile app

One-stop service from loan application to repayment management through a smartphone application. Even if you do not have a bank account or credit card, you can complete fund-related management within the application.

Export of used automobiles

We are based in the Republic of Mali in West Africa and the Republic of Tanzania in East Africa, and export used vehicles from Japan to establish sales and logistics.
We export left-hand drive vehicles from Japan to Mali and right-hand drive vehicles to Tanzania.
We also sell and re-export mainly left-hand drive vehicles to Africa and Middle Eastern countries using the Dubai Free Zone in the UAE as a transit point.

Microfinance Combination

We are working to solve the problem of automobile financing so that people living in areas where people do not have bank accounts or in low-income areas can purchase automobiles.
In addition to providing loans for the purchase of vehicles that already exist in the local market, we also provide loans for vehicles that we export and invest in affiliated microfinance institutions to meet the strong local demand for capital.

Use of mobile apps

Drive Your Dream.Empower Your Future”
We help car drivers and motorcycle cab drivers start their businesses with little capital to purchase a car or a motorcycle cab.
We support people who do not have access to general bank loans, bringing them one step closer to realizing their dreams.
In doing so, in addition to meeting their funding needs, we utilize a proprietary smartphone app to make it easier for borrowers to manage.

Export to East and West Africa, Central Asia, and the Middle East

In recent years, demand for automobiles has surged in emerging countries due to remarkable economic growth and urbanization.
Cars are being imported to alleviate local car shortages. However, purchasing a new car is expensive, so many are opting for used cars, which are available at relatively affordable prices.
In particular, used cars from Japan are widely known for their high reputation for quality and durability and are very popular.
Motorcycles are also widely used as a primary mode of transportation. In particular, used motorcycles, which are affordable and fuel-efficient, are also valued as important items for work in urban and rural areas.
We have offices in Dubai in the United Arab Emirates (UAE), the Republic of Mali in West Africa, and Tanzania in East Africa, where we export used Japanese-made vehicles to build sales and logistics.

Microfinance in East Africa

Tanzania, an East African country facing the Indian Ocean where we are based, imports a large number of Japanese vehicles, and many Japanese cars are on the road in urban areas such as Dar es Salaam.
We are responding to the demand for funds quickly by utilizing credit scores to quickly screen customers so that even low-income people can purchase vehicles. We eliminate additional costs and hidden fees other than the burden of repayment, which is considered a challenge, and make it transparent for borrowers, reducing interest rate volatility and stabilizing repayment.
In addition to providing auto financing services for the purchase of vehicles already in the local market, we also provide loan financing for vehicles that we directly export, and furthermore, we invest in affiliated microfinance institutions to meet the strong local demand for funds.

Using Mobile Apps in Central Asia

We have positioned Mongolia as our base in Central Asia, not only exporting automobiles, but also utilizing non-bank auto loans.

Since smartphones became popular in Mongolia before credit cards became popular, we utilize a system that allows users to complete everything from loan applications to loan management through a smartphone application.
Until the user completes the payment, the vehicle’s location is not only tracked by GPS, but also equipped with an automatic engine shutdown system to prepare for any eventuality. Furthermore, by utilizing a group-wide unified application, both the Company and its customers can easily manage the system, thereby differentiating itself in the development of its services.

We hope to realize a society in which people around the world can enjoy services necessary for their daily lives through a common application. We aim to conduct financing activities that are rooted in each country and region and devised in accordance with their discipline and culture.