Aiful Corporation (AAU)

Overview

Aiful Corporation, originally established in 1967 and formerly known as Marutaka, Inc., is a leading company in the consumer finance and credit guarantee industry based in Kyoto, Japan. The company underwent a name change to Aiful Corporation in May 1982, marking a significant phase in its journey to becoming a major entity in the financial sector. With a broad spectrum of services, Aiful Corporation caters to a wide range of consumer and business financial needs, standing as a prominent figure in Japan’s financial industry.

Products and Services

• Unsecured and Small Business Loans: Aiful Corporation offers financial support through unsecured personal loans, which do not require collateral, and specialized loans designed to meet the needs of small businesses.
• Credit Card and Prepaid Card Services: The company provides a variety of credit and prepaid card services, catering to the diverse needs of its customer base by offering flexible payment solutions.
• Credit Guarantee: Aiful ensures the repayment of loans, thereby assuming the credit risk for loans made by other financial institutions to businesses and individuals.
• Debt Collection: This service assists businesses in managing and recovering outstanding debts, thereby improving their financial health and cash flow.
• Venture Capital: Aiful invests in startups and emerging companies, providing them with the capital needed to grow their businesses and bring innovative ideas to the market.
• Receiving Agent Services: The company offers services that facilitate the collection and processing of payments on behalf of its clients, enhancing operational efficiency.
• Corporate Turnaround and Restructuring: Aiful provides advisory and implementation services for companies in need of operational or financial restructuring, supporting them through challenging times.
• Warehouse and Document Management: Beyond financial services, Aiful offers solutions for storage and management of documents, aiding companies in efficient document handling and space utilization.
• Leasing Services: The company extends its financial offerings to leasing, allowing businesses to access equipment and machinery without the need for outright purchase.
• Used Car and Medical Loans: Specialized loan products are available for purchasing used vehicles and for covering medical expenses, catering to specific consumer needs.
• Postpay Settlement Services: Aiful facilitates transactions where payments are made after the delivery of goods or services, providing convenience and security to both businesses and consumers.
• Factoring: By purchasing accounts receivable at a discount, Aiful provides immediate cash flow solutions to businesses, enhancing their working capital management.
• Installment Credit Sales Services: The company offers solutions that allow consumers to make purchases and pay for them over time in installments, expanding access to goods and services.