NX・TC Lease & Finance Co.,Ltd.

NX・TC Lease & Finance Co., Ltd. is a Japanese leasing and finance company headquartered in Minato-ku, Tokyo. It was established on 15 January 2021 as Nittsu Lease & Finance Co., Ltd. through a company split (carve-out) of the leasing and auto-leasing operations of Nittsu Shoji Co., Ltd. (now NX Shoji), a logistics-affiliated trading company within the Nippon Express group. Operations began on 1 April 2021. The company is a joint venture owned 49% by NIPPON EXPRESS HOLDINGS, INC., 49% by Tokyo Century Corporation and 2% by Sompo Japan Insurance Inc., with stated capital of 1 billion yen. In 2023 it changed its name to NX・TC Lease & Finance Co., Ltd. to reflect the reorganization of the NX Group and its transition to a holding-company structure. The company provides a broad range of equipment and vehicle leasing and financing services. Its offerings include finance leases, operating leases, leases with purchase options, automobile leasing and auto leasing with maintenance, used-vehicle purchase services, installment sales, rentals, payment agency services and purchase services. It also offers real estate leasing and environmental energy services in cooperation with the Tokyo Century Group. A defining feature of its business is that it serves customers across Japan through a nationwide sales network, providing logistics-related total services by leveraging the combined strengths of the NX Group and NX Shoji Group, and offering products and services from a wide range of manufacturers from a neutral standpoint. As of 1 January 2026 the company reported 37 offices and 253 employees. Its head office is located on the 34th floor of Shiodome City Center in Minato-ku, Tokyo. The company has obtained an issuer rating of AA- (outlook: stable) and a commercial paper rating of a-1+ (with an issuance limit of 100 billion yen) from Rating and Investment Information, Inc. (R&I), and it holds PrivacyMark certification as well as ISO/IEC 27001 (ISMS) certification for the operation and support of its leasing and finance business at its head office. Its fiscal year ends in December. Representative directors include Chairman Koichiro Sato and President Keisuke Toyohara. The company positions itself as a financial services enterprise that embraces change and responds to customer needs through collaboration with group companies, with a stated aim of growing together with logistics-related and regional customers and contributing to a resource-circulating economy that is considerate of the environment.

The origins of NX・TC Lease & Finance lie in the leasing division of Nittsu Shoji Co., Ltd., a company within the Nippon Express (Nittsu) group. The predecessor insurance agency, Nittsu Insurance General Agency Co., Ltd., was established in 1958. In 1964, Nittsu Sangyo was absorbed and the company changed its name to Nittsu Shoji. In 1966, Nittsu Shoji established a leasing division for the purpose of leasing vehicle equipment for Nippon Express, with its head office in Soto-Kanda, Chiyoda-ku, Tokyo. In 1967 it began leasing operations for general customers. In 1971 it joined the Leasing Business Association at the time of the association's establishment. In 1973 it set up offices nationwide and developed its sales structure. In 2012 it began a used-vehicle purchase business. In 2021, the leasing division was split off from Nittsu Shoji, and a new company, Nittsu Lease & Finance Co., Ltd., was established with joint investment by Nippon Express, Tokyo Century and Sompo Japan Insurance, and the business was transferred to it. The corporation was established on 15 January 2021 and began operations on 1 April 2021. In the same year, the company obtained a rating from Rating and Investment Information, Inc. (R&I), with an issuer rating of AA-. In 2022 it obtained PrivacyMark certification. In 2023, amid the reorganization of the Nittsu Group and its transition to a holding-company structure, the company changed its name to NX・TC Lease & Finance Co., Ltd. The company has continued to develop its business as a joint venture combining the logistics customer base of the NX Group with the financial services capabilities of the Tokyo Century Group and the insurance expertise of Sompo Japan Insurance. It has obtained ISO/IEC 27001 (ISMS) certification for the operation and support of its leasing and finance business at its head office, and as of 1 January 2026 it operated 37 offices with 253 employees. Its issuer rating from R&I as of 3 February 2026 was AA- with a stable outlook, and its commercial paper rating was a-1+ with an issuance limit of 100 billion yen.

• 2023

  Renamed NX・TC Lease & Finance Co., Ltd. amid NX Group reorganization and holding-company transition

• 2022

  Obtains PrivacyMark certification

• 2021

  Leasing division split off from Nittsu Shoji; Nittsu Lease & Finance established (15 January) and operations begin (1 April)

• 2021

  Obtains issuer rating of AA- from Rating and Investment Information, Inc. (R&I)

• 2012

  Begins used-vehicle purchase business

• 1973

  Sets up offices nationwide and develops sales structure

• 1971

  Joins the Leasing Business Association at its establishment

• 1967

  Begins leasing operations for general customers

• 1966

  Nittsu Shoji establishes leasing division for leasing vehicle equipment for Nippon Express

• 1964

  Nittsu Sangyo absorbed; company renamed Nittsu Shoji

• 1958

  Nittsu Insurance General Agency Co., Ltd. established (predecessor)

A financial services company that embraces change and responds to customer needs through collaboration with group companies, providing logistics-related total services and a diverse range of manufacturer-neutral products and services across Japan.

• Finance lease

• Operating lease

• Lease with purchase option

• Automobile lease / auto lease

• Maintenance lease

• Used vehicle purchase service

• Installment sales

• Rental

• Payment agency service

• Purchase service

• Real estate leasing

• Environmental energy services

1. 1NX・TCリース&ファイナンス株式会社 公式サイトnxtclf.co.jp
2. 2企業情報｜NX・TCリース&ファイナンス株式会社nxtclf.co.jp
3. 3サービス一覧｜NX・TCリース&ファイナンス株式会社nxtclf.co.jp
4. 4NX・TC Lease & Finance Co.,Ltd. - Wikidatawikidata.org
5. 5NX・TCリース&ファイナンス - Wikipediaja.wikipedia.org