BE TRADING
Japanese factoring company providing invoice-based early funding to SMEs and sole proprietors.
Last updated September 28, 2026
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Overview
BE TRADING (株式会社ビートレーディング) is a Japanese factoring company headquartered in Shiba Daimon, Minato-ku, Tokyo. Founded in April 2012 in Chiba City, Chiba Prefecture, with initial capital of 2 million yen, the company has grown into one of Japan's leading factoring providers. It specializes in purchasing accounts receivable (invoices) from small and medium-sized enterprises, sole proprietors, and freelancers, converting them into early cash. The company operates through a two-party factoring model, which it helped popularize in Japan, as well as three-party factoring, medical and nursing-care fee factoring, purchase-order factoring, electronic debt options, and subsidy factoring. It also offers consulting services. BE TRADING serves a broad range of industries, from seafood wholesaling and apparel retail to interior construction and architectural painting. Its services are designed for speed and accessibility: online applications, minimal documentation (two items), and funding that can be completed in as little as one hour to three days. The company reports cumulative transactions with over 91,000 companies and cumulative purchase amounts of 182.4 billion yen as of March 2026. It has a maximum purchase rate of 98% and handles monthly contracts of about 1,500 cases. It operates branches in Sendai, Nagoya, Osaka, and Fukuoka, in addition to its Tokyo headquarters, and had 121 employees as of March 2026. BE TRADING was established by Hidenori Suzuki and Hideyo Sasaki, both of whom serve as representative directors. Sasaki, a former bank employee involved in SME lending and guarantee operations, recognized the limitations of traditional bank loan schemes and founded the company to provide more flexible and responsive funding options. The company has been certified as a "Management Innovation Support Organization" under the Small and Medium-sized Enterprise Management Enhancement Act, effective April 28, 2026. It is a member of several chambers of commerce and the New Economy Federation, and engages in regional revitalization through corporate hometown tax donations. As a private company, BE TRADING does not disclose stock exchange listings. It maintains relationships with financial institutions including Mizuho Bank, Sumitomo Mitsui Banking Corporation, Chiba Bank, GMO Aozora Net Bank, and PayPay Bank. The company positions itself as a pioneer in the factoring industry, aiming to be the first name that comes to mind when customers think of factoring.
History
BE TRADING was established in April 2012 as a joint-stock company (株式会社) in Chuo-ku, Chiba City, Chiba Prefecture, with initial capital of 2 million yen. The founders were Hidenori Suzuki and Hideyo Sasaki. Sasaki had previously worked at a bank, handling loans and guarantees for small and medium-sized enterprises. Through his daily work, he witnessed many SMEs struggling with severe cash-flow challenges and felt the limitations of conventional bank lending schemes. This led him to focus on factoring as a more flexible and responsive funding method. In August 2012, the company opened a Tokyo sales office in Shimbashi, Minato-ku. In February 2013, the office was relocated to Nishi-Shimbashi, Minato-ku, and the factoring business was officially launched. In April 2014, the Tokyo office was moved to Shiba Daimon, Minato-ku, to accommodate business expansion. In October 2015, the company increased its capital to 10 million yen and relocated its head office to its current address in Shiba Daimon. In April 2017, BE TRADING opened a Fukuoka branch in Hakata-ku, Fukuoka City, Fukuoka Prefecture. In August 2017, it aired the factoring industry's first television commercial on RKB Mainichi Broadcasting and TVQ Kyushu Broadcasting. In October 2017, the company increased its capital to 70 million yen (with capital reserve of 50 million yen). In December 2017, it opened an Osaka branch in Kita-ku, Osaka City. In January 2020, it opened a Sendai branch in Aoba-ku, Sendai City, Miyagi Prefecture. In April 2022, the company celebrated its 10th anniversary. In October 2023, it opened a Nagoya branch in Naka-ku, Nagoya City, Aichi Prefecture. In June 2024, it launched an online-complete portal site. In January 2026, it began a point service on the portal site. As of March 2026, BE TRADING reported cumulative transactions with over 91,000 companies and cumulative purchase amounts of 182.4 billion yen. It had 121 employees. The company has been certified as a "Management Innovation Support Organization" under the Small and Medium-sized Enterprise Management Enhancement Act, effective April 28, 2026. It is a member of the Tokyo, Sendai, Nagoya, Osaka, and Fukuoka Chambers of Commerce, the New Economy Federation, and the 21st Century Vocational Foundation. Its legal advisor is Nozomi Sogo Law Office, and it maintains relationships with Mizuho Bank, Sumitomo Mitsui Banking Corporation, Chiba Bank, GMO Aozora Net Bank, and PayPay Bank. The company also engages in regional revitalization through corporate hometown tax donations, and has been introduced as a donating company on the official websites of municipalities such as Kimitsu City and Fujiidera City.
Established in Chuo-ku, Chiba City, Chiba Prefecture, with capital of 2 million yen.
Opened Tokyo sales office in Shimbashi, Minato-ku, Tokyo.
Relocated Tokyo office to Nishi-Shimbashi, Minato-ku; launched factoring business.
Relocated Tokyo office to Shiba Daimon, Minato-ku, due to business expansion.
Increased capital to 10 million yen and relocated head office to current address in Shiba Daimon.
Opened Fukuoka branch in Hakata-ku, Fukuoka City, Fukuoka Prefecture.
Aired the factoring industry's first TV commercial on RKB Mainichi Broadcasting and TVQ Kyushu Broadcasting.
Increased capital to 70 million yen (capital reserve 50 million yen).
Opened Osaka branch in Kita-ku, Osaka City, Osaka Prefecture.
Opened Sendai branch in Aoba-ku, Sendai City, Miyagi Prefecture.
Products and positioning
Pioneer of two-party factoring in Japan, offering fast, flexible funding as an alternative to bank loans.
Two-party factoring
Factoring arrangement between the user and BE TRADING only, without notifying the debtor.
Three-party factoring
Factoring arrangement involving the debtor, typically with notification and consent.
Medical and nursing-care fee factoring
Factoring of receivables from medical and nursing-care fee claims.
Purchase-order factoring
Factoring based on purchase orders at the time of order receipt.
Electronic debt option
Option for electronic debt records.
Subsidy factoring
Factoring of subsidy receivables.
Consulting services
Business consulting services.
Sources6 sources
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