Services that empower challengers
UPSIDER provides services to break through the walls that stand in the way at each stage of a company's growth, walking alongside you toward your next leap.
The Payment Wall
Overcoming cashflow and credit barriers in the founding and growth stages.
AI-powered next-gen corporate card
An AI-underwritten corporate card with limits up to ¥1B, issued in as little as a day. Real-time governance and broad SaaS integrations consolidate a growth company's spend into a single card.
Cumulative payments
¥850B+
※Total volume paid via UPSIDER since launch of the UPSIDER corporate card. As of November 2025.
Cumulative credit line
¥5T+
※Sum of monthly credit lines from launch through November 2025.
by ライフカード × UPSIDER
A corporate card backing leaders' ambition
A corporate card built around each leader's ambition — pairing status with everyday utility to power your company's growth phase.
Read moreThe Financing Wall
Overcoming debt and equity financing barriers in the growth stage.
Pay invoices by card
Switch invoices to card payment and defer payment by up to 60 days — strengthening your cash position and freeing up funds to reinvest in growth.
Cumulative payments
¥150B+
※Total payment volume since launch. As of November 2025.
by クレディセゾン × UPSIDER
A growth-debt fund
A growth-debt fund operated with Mizuho Financial Group. Terms presented within ~10 business days on average, enabling financing with minimal equity dilution.
Total lending
¥15B+
※As of end of February 2026.
by みずほフィナンシャルグループ × UPSIDER
The Talent Wall
Overcoming operational complexity and resource shortages as the organization scales.
Fully-outsourced accounting for founders
From receipt processing to monthly closing — accounting handled end to end. AI and specialists work together to free founders from back-office burden.
Companies served
600+
※As of December 2025.
A community for next-gen business leaders
A community for next-generation business leaders. Leveraging AI, technology, and a strong network to support challengers' non-linear growth hands-on.
Companies served
120+
※As of February 2026.
Platform Business
By making financial functions usable and providable by anyone, we evolve into a credit-based financial platform — accelerating the ambition of society as a whole.
Corporate Card Platform (White Label)
UPSIDER opens its AI credit models, real-time payments, and receivables operations to financial institutions and partner companies. Partners can deliver corporate card services under their own brand.
