#Japan #Tokyo #Raccoon Financial #URIHO #Receivables Assurance

URIHO: Celebrating 10 Years of Assured Receivables

As of August 2026, Raccoon Financial's subscription-based receivable assurance service, URIHO, will mark its 10th anniversary. This milestone reflects a decade of commitment to enhancing BtoB transactions by providing businesses with the necessary safeguards against the risks associated with unpaid receivables. The company has launched a special website commemorating this significant achievement, where visitors can explore the growth and evolution of URIHO over the years.

What is URIHO?

URIHO was introduced in 2016 as the industry's first fully online receivable assurance service. It addresses the increasingly pressing need for businesses to protect themselves from the financial repercussions of unpaid invoices, particularly in an ever-changing economic landscape. As companies today grapple with rising rates of client bankruptcies and delayed payments, URIHO provides a vital source of reassurance that enables businesses, especially small-to-medium enterprises (SMEs), to maintain confidence while navigating their financial dealings.

Growth Journey of URIHO

Since its inception, URIHO has experienced remarkable growth. Within just two years, the number of companies utilizing the service surged from 281 to 3,198, representing an impressive increase of approximately 11.4 times. Additionally, the total assured amount has grown from around 5 billion yen to over 60 billion yen, equating to a twelve-fold expansion. This growth trajectory underscores the pressing need for receivable assurance services in today's business environment.

Reflecting on the Past: Insights from the Special Website

The newly launched special website not only celebrates URIHO's milestone but also provides an insightful overview of its achievements in terms of numbers. Visitors to the site can delve into key figures that narrate URIHO's story and accomplishments over the past decade, including testimonials from business owners who have benefitted from the service. The platform is designed to inform and inspire, showcasing the positive impact URIHO has had on the landscape of business finance.

Future Aspirations

Looking ahead, URIHO aims to expand its reach and accessibility further. In June 2026, it unveiled two new services under a revised business strategy:

1. URIHOmini: Targeting small businesses and sole proprietors with annual sales below 100 million yen, this entry model simplifies the process of receiving assurance. Users can activate coverage by merely registering their client's information, without the need for prior credit checks. At a monthly fee of 4,980 yen, businesses can receive coverage up to 3 million yen per client, limited to cases of client bankruptcy.

Learn more about URIHOmini here!

2. BizCheck: Addressing businesses that only seek credit management without receivable assurance, this anti-social entity check service utilizes AI and vast databases from over a million payment cases. It offers rapid assessments of business safety and recommends appropriate transaction amounts. Prices range from 333 yen to 800 yen per client, with full rollout planned for August 2026.

Discover BizCheck here!

These new offerings reflect URIHO's commitment to meeting diverse business needs while enhancing awareness of receivable assurance services. The company is also reinforcing partnerships with financial institutions to actively promote these solutions among SMEs and contribute positively to the regional economy.

With a steadfast commitment to enhancing the business transaction landscape, Raccoon Financial is determined to continue evolving URIHO's service offerings. The goal remains clear: to foster conditions that allow more SMEs to thrive in an increasingly complex economic environment, thereby ensuring greater stability and growth in business transactions.