Introduction

for potential borrowers

as of July 2021
CROWD CREDIT, Inc. is a financial instruments
firm registered under the Financial Instruments
and Exchange Act of Japan, with the registered
number 2809.
CROWD CREDIT, Inc. is a member of Type II
Financial Instruments Firms Association.
1. COMPANY AND SCHEME OVERWIEW
OVERVIEW

Company CROWD CREDIT, Inc. # of 70

Name： Employee：
Business： Cross-border marketplace lending Booked JPY3.2bn (appx. USD29mn)
Capital：

Registration： Type Ⅱ Financial Instruments Business # of Registered Appx. 5.1＋mn

registration Investors：

Cumulative JPY376＋mn
Headquarters： Tokyo, Japan Issuance：

AUM： JPY152＋mn

Subsidiary： Japan, Peru and Estonia

Representative： Tomoyuki Sugiyama (Founder & CEO)

3
MISSION

『WE OPTIMIZE CAPITAL FLOW

IN GROBAL CREDIT MARKETS』
CROWD CREDIT connects
countries with funding gaps
and Countries with lending gaps
on a global basis

4
CONCEPT
Capital
Scarce
countries

FinTech Capital
Surplus
Combining financial and information technology to provide Countries Demand

a unique asset class in the asset management space. Supply

Supply Emerging
Countries
Global Sharing Economy Demand
Potential
Demand
To share and return the growth potential of foreign
countries to the Japanese economy through interest rates.
Supply Demand

Sustainable Development Goals

CROWD CREDIT is a crowdfunding platform to con
Establishing capital flows outside the capital and credit
nect capital demand and supply on a global basis.
markets (the "third pillar") to challenge common human
challenges through social impact investing.

5
OUR HISTORY
JAN Started lending Micro finance institutions

2013
JAN
JUN
Corporate registration
Equity investment from Femto Startup
2018 MAR Equity investment from
The Dai-ichi Life Insurance Company, Limited., Mitsubishi UFJ
Capital Co., Ltd
MAR Equity investment from GCI Capital
2014 JUN Start lending in Latin America
MAY
SEP
Cumulative Issuance USD100＋mn
Equity investment from LINE Ventures
JUL Equity investment from Monex Ventures TV CM on aired
NOV Registered as Type Ⅱ Financial Instruments Firm NOV Equity investment from Monex Ventures, YJ Capital Inc., Glob
al Brain Corporation,
Sony Financial Ventures Inc., SBI Investment Co., Ltd.

MAR Equity investment from Itochu Corp. and Femto Partners

2015 APR Started lending in Europe
OCT Started Currency hedged funds

MAR Started lending in Africa

2016 NOV Started Deposit Account Service 2019
JUN Cumulative Issuance USD200＋mn

Achieved cash flow surplus in a single month

APR Achieved profitability on the income statement in a single month

AUG Removed current office

2020
2017 OCT Equity investment from Femto Growth Fund 2.0 LPS
MAY Equity investment from Marui Group Global Brain Corporation,
Sony Financial Ventures Inc.,
DEC Partnership with DENTSU INC.

JUN Cumulative Issuance USD300＋mn

6
HOW IT WORKS
100% CROWD 100%
Japan CREDIT Overseas

Currency hedge
Fees from Fees from
Investors Borrowers
Investment Group Loan Loan Loan

CROWD CROWD Borrowers Final

Investors
CREDIT CREDIT Financial borrowers
Individuals / Funding Estonia Institutions
Corporates SMEs /
(100%sub) (100%sub) Individuals
Individuals

Distribution Repayment Repayment

Repayment
Success Fee
(Gap of Interest Rate)

7
HOW OUR PLATFORM LOOKS LIKE (in Japanese)

expected fund maturity fundraising

fund name currency redemption
IRR (month) status

fundraising progress of No. of days

target fundraising remaining 8
HOW OUR CROWDFUNDING WORKS
Loan
frequency
Monthly ■General overview of borrower cashflow
(unit: ten thousand JPY)
Around JPY3mil-80mil
• JPY funds relatively attract more investors Drawdown and
Loan drawdown only Repayment take
• Emerging/frontier currencies relatively less 4,000
Amount of place spontaneously
• Fund management fee (each fund’s fee is
each loan modified periodically by Crowd Credit) and loan 3,000
Monthly fundraising
amount fluctuates
arrangement fee (if any) are deducted from
disbursement amount 2,000

JPY50mil to 1bil 1,000

Total loan • JPY200 - 500mil on average
amount 0

-1,000
Loan maturity 6 months to 3 years
-2,000 受取額
Drawdown Repayment
of 1st loan
Repayment Lumpsum or periodic repayment -3,000 返済額
Repayment

month
-4,000
Enter into Master Facility Agreement (with 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24
Loan
total loan amount) before the 1st loan, and
Agreement
Individual Agreement on each loan’s
disbursement (with each tranche amount) ※1USD≒110JPY
9
 10
20,000
40,000

35,000

30,000

25,000

15,000

10,000

5,000

2021 3
年
月

2020 12
年

2020 9
年
月

2020 6
年
月

2020 3
年
月

2019 12
年

2019 9
年
月

2019 6
年
月

2019 3
年
月

2018 12
年

2018 9
年
月

2018 6
年
月
Monthly

2018 3
年
月

2017 12
年

月
Cumulative

2017 9
年
2017 6 月
年
月
2017 3

年
月
2016 12

月
2016 9

年
月
2016 6

年
月
FUND Sales(JPYm)

2016 3

年
月
2015 12

月
2015 9

年
月
2015 6

年
月
2015 3

年
月
2014 12

月
2014 9

年
月
2014 6

年
月
1,800

1,500

1,200

900

600

300

0
FUND INFORMATION (JPYm)

Social Impact
Area Currency Industry
Investment

North America,… NGN, 2% 0.5%0.2%

KGS, 2% 0.9%
Central/South KES, 2%
America, 7.2% 4.4%
MXN, 4% 6.3%
15.6%
Africa,
10.6% 8.9%
RUB, 10%

JPY, 46%
Asia, 11.6% 64.2%
Europe, 14.6%
69.0% USD, 13%

EUR, 16%

B/S lender SME

Renewable energy MFI
Trade finance Personal loan
Non-performing loan Real estate loan
Secured car loan

11
IMPACT INVESTMENT FUND SERIES
Fund Name Country Borrower

Pakistan Solar Energy Operator Support Fund Pakistan Medium-sized companies

South-East Asia Non-electrified Region Support Project Myanmar Medium-sized companies

African Non-electrified Region Support Fund Kenya, Nigeria, Uganda, Ghana and Tanzania Medium-sized companies

Nigerian Non-electrified Region Support Fund Nigeria Medium-sized companies

Nigerian Non-electrified Region Support Fund Indonesia Medium-sized companies

Mexican Solar Energy Operator Support Fund Mexico Medium-sized companies

Mexican Energy-Saving Operator Support Fund Mexico Medium-sized companies

Costa Rican Energy-Saving Operator Support Fund Costa Rica Medium-sized companies

Solar energy business supportive funds Dubai, Abu Dhabi, Kuwait, Jordan Medium-sized companies

Peruvian Financial Institution Support Fund Peru Microfinance Institution

Peruvian Microfinance Support Fund Peru Microfinance Institution

Peruvian Cooperative Association Support Fund Peru Microfinance Institution

Mexican Female Entrepreneur Support Fund Mexico Microfinance Institution

Kyrgyzstan Microfinance Support Fund Kyrgyz Microfinance Institution

Peruvian female Business Owners Cooperative Support Fund Peru Microfinance Institution

12
OTHER FUND SERIES
Fund Name Country Borrower
Peruvian Small Debtors Support Project Peru Medium-sized company/ Individuals delinquent debt
Italian Consumer Loan Fund Italia Individuals
Lithuanian Consumer Loan Fund Latanya Individuals
European 3 Countries Consumers Loan Fund (Stable) Finland, Estonia, Spain Individuals
Northern Europe Consumer Loan Fund Finland, Estonia, Spain Individuals
Eastern Europe Financial Institution Support Fund Cyprus, Georgia, Poland, Czech Republic, Slovakia, Latvia Nonbank
Micro-loan Operator Support Fund Cyprus, Russia, Kazakhstan, Georgia, Spain, Poland Nonbank
Georgia Micro-loan Operator Support Fund Georgia Nonbank
Eurasian Financial Institution Support Fund British, Russia, Poland, South Africa Nonbank
Eurasian Consumer Loan Operator Support Fund Ukraine, Spain, Kazakhstan, Georgia, Denmark Nonbank
Nicaraguan Financial Institution Support Fund Nicaragua Nonbank
East African Financial Operator Support Fund Kenya, Uganda, Tanzania Nonbank
Mongolian Financial Institution Support Fund Mongolia Nonbank

Russia, Ukraine, Spain, Indonesia, Malaysia, Vietnam, Philippine, Moldova,

Lithuanian Online Financial Service Provider Support Fund Nonbank
Bosnia, Makedonia, Latanya, India, Kazakhstan

Mexican Solar Energy Operator Support Fund Mexico Medium-sized company

Indonesian SME Support Fund Indonesia Medium-sized company
European Fintech Operator Support Fund Russia, Kazakhstan Medium-sized company
Bulgarian SME Support Fund Bulgaria Medium-sized company
Singapore Marketing Venture Company Support Fund Singapore Medium-sized company
Colombian Leasing Operator Support Fund Columbia Medium-sized company
IT Trading Company Support Fund UAE Medium-sized company
Mongolian SME Support Project Mongolia Bank
Baltic States Auto-Leasing Fund Estonia Car leasing
European Auto-Leasing Fund Estonia, Latanya, Latvia, Romania Car leasing
Northern Europe Real Estate Loan Fund Estonia Real estate

13
WHO ARE THE PLATFORM INVESTORS
# of ID registration # of investors Age Annual Income
70's, 2.4% 20m～,
60,000 60's, 7.8% 2.0%
20's,
13.6% 10～20m,
～ 3m,
51,532 10.2%
18.5%

50,000 50's,
15.7%

30's,
31.6% 5～10m,
3～5m,
40,000 40.5%
28.9%
40's,
28.9%

30,000

Financial Assets Investment Experience

22,504 100m～, 1.5%

20,000 ～100m,
10.2%

No, 21.5%

10,000 ～30m, ～ 5m,

23.3% 45.7%

Yes, 78.5%

0
～10m,
Jun-21
Jun-14

Jun-15

Jun-16

Jun-17

Jun-18

Jun-19

Jun-20
Sep-18
Dec-14

Dec-15
Sep-14

Mar-15

Sep-15

Mar-16

Sep-16
Dec-16
Mar-17

Sep-17
Dec-17
Mar-18

Dec-18
Mar-19

Sep-19
Dec-19
Mar-20

Sep-20
Dec-20
Mar-21

19.3%

14
Thank you
We look forward to the collaboration!