eGuarantee Partners with Tama Shinkin Bank to Enhance Local Business Solutions

eGuarantee Partners with Tama Shinkin Bank

In a significant move towards enhancing financial solutions for local businesses, eGuarantee Inc., headquartered in Minato-ku, Tokyo, announced its collaboration with Tama Shinkin Bank based in Tachikawa, Tokyo. This partnership marks the initiation of a business matching agreement allowing the bank to introduce eGuarantee's services, particularly the "eG Guarantee Service" and "eG Collect/eG Pay".

Details of the Partnership

Through this new agreement, Tama Shinkin Bank will engage in the promotional activities of eGuarantee’s innovative services. This collaboration is vital as it offers comprehensive solutions aimed at alleviating the financial burdens on regional enterprises, ultimately aiming to stabilize and enhance their operational efficiencies.

Rationale and Goal

Recognizing the significance of partnerships in its growth strategy, eGuarantee has developed a network of over 100 organizations, including financial institutions and corporations, to propagate its services. In recent years, the rising costs of raw materials, labor shortages, and fluctuating interest rates have triggered a noticeable increase in corporate bankruptcies. Consequently, the need for enhanced credit risk management and efficient collection processes for businesses has grown markedly.

By collaborating with regional financial institutions, eGuarantee aims to create a more effective solution framework for local companies, thereby contributing to business stability, growth support, and increased productivity.

This partnership also aligns with the Financial Services Agency's "Regional Financial Strengthening Plan", announced in December 2025, which emphasizes supporting local businesses through effective issue resolution and enhanced solution capabilities via external collaborations.

With this partnership, eGuarantee intends to bolster local enterprises' credit risk management and streamline invoicing and collection processes, ultimately enhancing the support functions of regional financial institutions and promoting sustainable regional economic development.

Overview of eG Guarantee Service

The eG Guarantee Service provided by eGuarantee supports customers by covering unpaid invoices arising from business transactions, up to a predetermined limit. This service offers businesses peace of mind, securing their operations against the risks of unpaid debts.

Overview of eG Collect/eG Pay

The eG Collect/eG Pay services encompass the entire procedure related to issuing invoices, managing payments, and collecting funds from transactions between companies. By simply relaying billing information to eGuarantee, clients can outsource these critical functions. Additionally, if a payment is delayed past the due date, eGuarantee steps in to provide the required funds (within the agreed limit) on behalf of its clients, alleviating the risk of outstanding debts.

Overview of Tama Shinkin Bank

- Company Name: Tama Shinkin Bank
- Address: 3-4 Midori-cho, Tachikawa, Tokyo
- Chairman: Masahiko Kanai
- Website: Tama Shinkin Bank

Company Profile of eGuarantee Inc.

- Company Name: eGuarantee Inc.
- Address: 37th Floor, Akasaka Biz Tower, 5-3-1 Akasaka, Minato-ku, Tokyo
- Founded: September 8, 2000
- President: Kimimasa Eto
- Capital: 3,997,970,000 JPY (as of December 2025)
- Stock Exchange: Tokyo Stock Exchange Prime Market (Stock Code: 8771)
- Website: eGuarantee

Established in September 2000 with the mission of "Innovation in finance", eGuarantee centers its operations around guarantee services, facilitating a marketplace for companies to mitigate credit risk. With an annual average of 300,000 company assessments and a guarantee balance exceeding 2.4 trillion yen by the end of December 2025, eGuarantee employs a qualitative and dynamic assessment model leveraging big data unlike traditional, static evaluations adopted by conventional financial institutions. This approach is set to evolve as they strive to provide new financial services that meet emerging business demands.