Freelancer Credit Survey
2025-06-19 04:55:45

Survey Reveals Freelancers' Creditworthiness Concerns and Expectations

Understanding the Creditworthiness of Freelancers



In a recent survey conducted by Lease Co., Ltd., in collaboration with Lancers Corporation, results have emerged illustrating the challenges freelancers face regarding their creditworthiness. This survey was addressed to users registered on the Lancers freelance matching platform, aiming to uncover the elements crucial for building trust between freelancers and their clients.

Key Findings


According to the survey, over 60% of freelancers feel disadvantaged in credit assessments related to real estate and credit cards. An overwhelming 70% expressed a desire for their professional achievements to be considered in these assessments, highlighting a significant gap in the current credit evaluation framework.

Client Perspectives


On the client side, 95% reported satisfaction with the freelancers they have previously worked with. This indicates a strong level of confidence in the freelancers’ capabilities. Notably, clients prioritize smooth communication over other factors like deadlines and pricing when selecting freelancers for projects.

Trust and Communication


The ability to communicate effectively emerged as the most valued characteristic among freelancers from the perspective of clients. In the survey, clients emphasized that quick responses, flexibility in accommodating changes, and courteous interaction were the vital components of effective communication. Meanwhile, approximately 70% of freelancers believe they are viewed as trustworthy by their clients, a sentiment that reinforces the importance of interpersonal skills in this freelance ecosystem.

Survey Background


The context of this survey is rooted in the growing number of freelancers in the workforce, a trend that has been expanding annually. Lease Co., based in Shinjuku, Tokyo, is committed to enhancing credit evaluation methods to better reflect the realities of freelance work, which often deviates from traditional employment metrics like salary and tenure. The current assessment standards fail to appropriately capture the creditworthiness of freelancers, creating unnecessary hurdles for them in obtaining leases or credit.

Insights from Lease Co.


Tsukasa Kobayashi, representative of Lease, noted that the survey underscores the necessity of foundational communication skills for freelancers. He pointed out that enhancing the recognition of a freelancer’s quality of work and communication skills could significantly improve their credit chances in various sectors, including real estate and financial services.

Conclusion


This survey serves as a wake-up call for the industries involved to rethink current credit evaluation standards. By integrating freelancers’ capabilities into the assessment process, we can create a more equitable system that acknowledges the evolving nature of work in today's economy. Lease and Lancers continue to advocate for a movement towards this goal, striving to better accommodate the needs of modern freelancers.

About Lease and Lancers


  • - Lease Co., Ltd. aims to innovate the credit assessment landscape using a SaaS-based rental guarantee support system, demonstrating a commitment to a more inclusive credit evaluation process.
  • - Lancers Corporation has consistently worked to empower individual workers through its freelance platform, facilitating a diverse range of working opportunities that support Japan's industrial transformation.


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Topics Consumer Technology)

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