UPSIDER Corporation｜Creating a global financial platform that supports challengers - 株式会社UPSIDER｜挑戦者を支える世界的な金融プラットフォームを創る

Transform every challenge
into victory through technology and finance.

Our Mission

Build a global
financial
platform that supports challengers.

UPSIDER creates a society where anyone with the will to challenge can step confidently into the future. Whether right after launching a business, accelerating growth, or venturing into new markets, obstacles like cash flow, lack of credit, and financial management often stand in the way.

We break through these barriers with an innovative credit model that combines the power of AI and human insight. Standing alongside our customers, we work together to shape the future. By collaborating with financial institutions, SaaS vendors, and government agencies, we provide solutions that transform challenges into victories.

UPSIDER's AI technology drives growth and ensures security for companies that dare to take on new challenges.

AI for
Growth

Utilizing proprietary AI credit assessment technology, we provide the necessary funding for growth to startups that have previously struggled to secure adequate credit card limits or loans.

AI for
Efficiency

By automating expense management, we enhance operational efficiency and provide an environment where businesses can focus on their core operations without being burdened by manual tasks.

AI for
Security

With an AI-powered monitoring system incorporating the latest fraud patterns, supported by human operators, and a variety of usage restriction features, we provide robust security to protect businesses from threats.

AI for
Governance

AI supports nearly all card management tasks, including card issuance, permission settings, and receipt management. It also supports SAML 2.0 authentication and SCIM integration, enhancing the convenience and security of account management.

Technology and expertise that support bold challenges.

60,000+Companies

Users

The combined number of companies using 'UPSIDER' and 'Shiharai.com' has surpassed 60,000, supporting the challenges of a wide range of businesses.

As of September 2024

450 billion yen+

Total Transaction Volume on 'UPSIDER Card'

We support growing companies by positioning UPSIDER's credit limits as a valuable financing tool, enabling them to make further growth investments.

As of September 2024

70 billion yen+

Total Transaction Volume on 'Shiharai.com'

The GMV has grown over 1,700% (17x) compared to the same period in 2022. Additionally, the user base has expanded by more than 18x over the past two years, with a significant number of small and medium-sized enterprises using our platform.

As of August 2024

8 billion yen+

Total Lending Amount by
'UPSIDER BLUE DREAM Fund'

With offerings of loans up to 1 billion yen, terms up to 3 years, and processing times as short as one week, the UPSIDER BLUE DREAM Fund has already provided substantial debt financing to many growth-stage startups.

As of August 2024

1,600,000+

Receipts Processed by AI

Our AI automates receipt analysis and links it with UPSIDER’s individual transaction data, simplifying traditional accounting tasks.

As of September 2024

99.9995%+

AI-driven card fraud prevention rate.

We offer unique industry features, such as the 'Restricted Use Feature' that is not available in similar services, along with a system where payment information is checked both by proprietary AI and manually by our team members. This allows us to quickly detect discrepancies from usual payment transactions.

Calculated during the period from May to July 2023.

More than 60,000 companies have adopted UPSIDER.

* Total number of companies using the UPSIDER corporate card and the bill card payment service Payments.com, as of September 2024.

We have raised over 60 billion yen in total from like-minded investors.

*Equity and debt raised combined, as of November 2024.

Corporate Card Supporting Innovators

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by Life Card × UPSIDER

Senior Executive Officer/Chief Financial Office　Keiji Nishio

KITAMURA HOLDINGS Co.,Ltd.

Senior Executive Officer/Chief Financial Office　Keiji Nishio

We aim to create a cashless, operation-free world by distributing one card per employee and transitioning to card-based expense settlements. By eliminating petty cash and reimbursements for executives and staff, we seek to reduce the burden and stress for both the administrative and user departments.

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vivid garden Inc.

President and Chief Executive Officer　Rina Akimoto

UPSIDER is like a partner in building the business together. Until now, a challenge has been that credit limits often did not increase after procurement. However, UPSIDER responded in just a few days after consultation, truly supporting us in ensuring that our business growth continues. The fact that they flexibly consider the business situation and future potential during the review process is something we really appreciate as a startup.

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President and Chief Executive Officer　Rina Akimoto

Invoice Payment Service

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by Credit Saison × UPSIDER

Nagahama Workshop

President　Tamotsu Nagahama

In the past, we relied on bank loans to cover funding shortages, but we often found the short loan periods and the hassle of the screening process frustrating. When we learned that Shiharai.com allows us to defer payments until the card payment due date without any screening, we realized it could easily help us adjust to our ideal payment schedule, so we decided to give it a try. Thanks to Shiharai.com, we now feel more flexibility in our payments and can see a significant improvement in our cash flow management.

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Growth Debt Fund

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by Mizuho Financial Group x UPSIDER

President and Chief Executive Officer　Taro Nakajima

ROXX, inc.

President and Chief Executive Officer　Taro Nakajima

Traditional loan screenings, which require a lot of time and effort, can coincide with the critical moments when startups want to focus on business growth, potentially putting a strain on management resources.
In this loan review, the process to the offer was completed with an extraordinary speed and low effort, making it an impressive experience, even after having gone through numerous financing processes.

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NEWS

2024年12月17日

[Notice] Some customers of “payment.com”, a billing card payment service, have been affected due to a problem occurring in some credit card systems.

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2024年12月17日

[Notice] The bill card payment service “Payment.com”, which had been affected by the 3D Secure failure of some credit cards, is now available normally.

“AI革命”

Mizuno Tomo
Co-CEO

Company Deck

UPSIDER creates great value with future leaders by investing in people. We are looking for people who can think for themselves, overcome challenges, and pioneer UPSIDER's growth and future.