January 2026 Lending Report: A Successful Month for LENDEX Investments

Overview of LENDEX's January 2026 Operations

LENDEX, a leading platform in lending-based crowdfunding, has announced its January 2026 operational report, revealing impressive financial figures. The total amount raised during this month was approximately 715.86 million yen through 16 fundraising projects, while repayments exceeded expectations at about 970.21 million yen across 21 projects.

This surplus in repayments suggests that a considerable amount of capital is returning to investors, positioning them for potential reinvestment opportunities. Such dynamics indicate a trend toward careful selection in the investment decisions among investors, showcasing a maturing market. As this trend continues, LENDEX remains committed to maintaining a high level of transparency in its fund structuring to meet the discerning standards of its investors.

Financial Market Trends in January 2026

The financial markets have experienced increased volatility in January, influenced by shifts in monetary policy from major economies and geopolitical risks. In the currency market, resilient employment data from the U.S. has heightened speculation regarding a postponed interest rate cut, leading to a sustained depreciation of the yen, which is now approaching levels around 150 yen per dollar. The resulting increase in import costs has been transferred to domestic energy and food prices, creating pervasive pressure on both corporate production costs and household purchasing power.

In the real estate sector, a combination of uncertain future mortgage rates, severe labor shortages, and persistent high material costs have significantly constrained the supply of new constructions. Consequently, surging prices for newly constructed apartments have redirected both end-users and investors toward the second-hand market, particularly highlighting the rising prices of renovated properties in prime locations. Investors have shown a heightened selectivity, focusing not just on surface yields but also rigorously assessing factors such as historical maintenance, management conditions, and disaster resilience of properties.

Additionally, the stock market has observed an influx of funds through the new NISA investment program, pushing the Nikkei average to historical highs. However, concerns over renewed inflation continue to exert upward pressure on interest rates, creating a persistent risk of a downturn in stock prices. While gold prices garner attention, the fluctuating values of other traditional assets remind investors of the substantial advantages of lending-based crowdfunding, which offers stability through real estate collateral, effectively safeguarding their assets during tumultuous economic times.

Conclusion

The start of 2026 signifies a complex phase for individual investors as they navigate amidst rising stock prices, soaring gold prices, and yen depreciation. Under these dynamic market conditions, LENDEX aims to offer investment opportunities that blend steady income gains with the backing of tangible assets through real estate collateral. Following the significant repayments in January, we are poised to assist our clients as they consider their next investment steps, with the goal of establishing LENDEX as a solid foundation for grounded asset management.

For those interested in embarking on their investment journey, LENDEX invites you to explore lending-based crowdfunding—allowing investments from as little as 20,000 yen, with expected annual returns between 6% to 10% (before tax). By surpassing the average industry yields of 4% to 5%, LENDEX seeks to offer substantial benefits to our investors. Why not consider starting your lending-based crowdfunding venture today?