Path to Further Growth as a Resilient Non-Bank
Offering Safety and Reassurance
We are working to build our business foundation as a non-bank resilient to changes in the environment and achieve diversified revenue sources from stronger relations with corporate partners by providing finance functions that match market needs using the marketing capabilities we have built-up in our card business.
Harnessing our know-how in credit examination and speed in setting credit limits as key strengths, we are forging ahead with finance leases, business-use installment sales, and rentals, especially for office automation (OA) equipment and LED lighting that align with the capital investment plans of businesses. We are endeavoring to respond to business trends such as demand for point-of-sale (POS) cash register peripherals etc. in view of growth in cashless payments, and create new revenue sources in such areas as environmental products and anti-crime systems.
Supporting the promotion of loans to individuals, we work closely with partner financial institutions in terms of both marketing and credit controls, primarily in the area of credit guarantees for unsecured personal loans that do not set conditions on use of funds. These loans are popular for their versatility as they can be used for business funds and a range of other purposes, and they continue to meet customer needs such as simple application procedures that can be completed online and quick screening and approvals. Leveraging these features, we aim to increase our balance of credit guarantees.
We support home purchases via our housing loan package products, which includes the Saison “Home Assist Loan,” a loan that responds to funding needs for miscellaneous expenses that arise with the purchase of a residence. We are working to expand our share in the “Flat 35” loan category through swift screening and approvals and flexibility in responding to needs.
We are working to expand our loan balance by bolstering our support system for partners with study sessions and customizing products offering “Saison Asset Formation Loans,” “Saison Real Estate Investment Loans,” and “Real Estate Mortgage Loans for business and private” in response to market needs.
Steady Asset Balance Expansion
Since we launched our lease business in 1982, we have provided products that match needs via a thoroughgoing customer orientation, and we are steadily growing our asset balance by developing new markets. We seek to realize a variety of alliances by advancing finance services that crowd out competitors.
We are strengthening sales of our “Saison Rent Guarantee Rent Quick” service that we launched in July 2017 by collaborating with partners in our finance business. We have continued to meet the capital needs of customers purchasing homes with our “Flat 35” loans and “Saison Asset Formation Loans,” but in addition to our “Saison Rent Guarantee Rent Quick” service, we will continue to expand our “life creation financial services” that support customers transitioning from renting to home buying.
- Good for Our Customer (tenants)
- Members can select to pay their monthly rent, guarantee fee and other either via Saison card or an account transfer. If members choose to pay using Saison card, they can earn Saison Eikyufumetsu Points.
- Good for Owners
- Our service reduces the management task load for owners such as confirming the receipt of monthly rents, as we advance monthly rent payments to owners.