Resona Holdings to Launch AI Receivables Financing With Same-Day Funding Across Four Banks

Resona Holdings announced on August 14, 2026, that it will provide a funding service for small and medium-sized enterprises (SMEs) using artificial intelligence (AI), with funds available as quickly as the same day. The service involves the rapid review and purchase of accounts receivable to help companies secure operating capital, with plans for four group banks, including Resona Bank, to begin offering it within fiscal year 2026. The initiative is designed to shorten the time from transaction completion to fund receipt for businesses.

To advance the service, Resona Holdings has signed a capital business partnership agreement with OLTA, a company headquartered in Tokyo, and plans to make it an equity-method affiliate by the end of September. OLTA specializes in fast, low-cost AI-driven review processes that support the cash flow needs of SMEs.

Under the new service, the four Resona group banks will purchase uncredited invoices from companies and then promptly provide funds. The arrangement addresses the common problem of lengthy payment cycles faced by SMEs, easing working capital pressure through early payment of receivables. The service is based on the cooperation agreement between the two parties, with implementation timing and scope of application to be announced officially at a later date.