SB Payment Service expands its financial solutions for merchants, launching "Merchant Support Loan" and "SBPS BizCRECO" in collaboration with IT Realize from June 5th. These three services, including "SBPS Bill Card Payment," will support improved cash flow and increased visibility of business funds. | Information 2026

SB Payment Service Corp. (Minato-ku, Tokyo; President & CISO: Tomonori Hotta; hereinafter "SBPS") has partnered with its subsidiary, IT Realize Co., Ltd. (Shinagawa-ku, Tokyo; CEO: Hideyuki Hongo; hereinafter "ITR"), to add "Merchant Support Loan" and "SBPS BizCRECO" to its lineup of value-added services for merchants using SBPS's payment services, effective June 5, 2026.

SBPS will support merchants in improving their cash flow and increasing the visibility of their business funds through the two new services and the "SBPS Bill Card Payment" service that has been available since October 2025.

Background of the offer

In recent years, the importance of cash flow management has increased due to environmental factors surrounding businesses, such as rising raw material and labor costs, upfront investments associated with business expansion, and temporary funding needs due to seasonal factors. In addition, many businesses face challenges in daily cash management, such as keeping track of funds dispersed across multiple corporate accounts and coordinating payment timings for credit cards and invoices.
SBPS has been supporting businesses in expanding their sales by providing a wide range of payment services for online and in-person transactions. With this new service as a starting point, SBPS and ITR will further support businesses in their growth from both payment and financial services perspectives.

Overview of each service

New service: "Merchant Support Loan"

Features	Offer-based loan service for SBPS member stores Based on factors such as the usage history of SBPS's payment services, SBPS will contact eligible merchants individually. Speedy and smooth application processing, a benefit unique to SBPS member stores. By using sales data from payment services for the screening process, the burden of submitting financial statements and other requirements is reduced, allowing for a quick and smooth start to using the service. Online procedures Applications and contracts can be completed entirely online. Flexible repayment options are available. In addition to bank transfer, you can also choose to repay by having the repayment deducted from the sales proceeds of SBPS's payment service, giving you flexibility in choosing your repayment method.
Service details	https://www.sbpayment.jp/service/b2b/support-loan/
Provision system	In the "Member Support Loan" program, SBPS acts as an agent for ITR, a lending company, providing information about ITR's loan services and handling applications. In addition, SBPS acts as a guarantor, guaranteeing the borrowing obligations of member merchants to ITR. Please note that loan agreements are concluded between the participating merchant and ITR, the lending company. The agreement is subject to ITR's prescribed screening process.

New service "SBPS BizCRECO"

Features	Centralized management of multiple corporate bank accounts and corporate credit card information. You can link multiple corporate bank accounts and corporate credit card information to view account balances, deposit/withdrawal status, and credit card usage information all in one place. Achieving transparency in business finances By keeping track of deposit and withdrawal information and balance information, you can streamline daily fund management and cash flow checks. Easy access without the need to install special software. Because it's a cloud service, you can use it anywhere as long as you have an internet connection. It's compatible with multiple devices including PCs, tablets, and smartphones.
Service details	https://www.sbpayment.jp/service/b2b/sbps-bizcreco/
Provision system	SBPS is an agent for ITR, and the use of "SBPS BizCRECO" is a service that requires a contract between the merchant and ITR.

ITR plans to expand "BizCRECO" as a white-label service that allows partner businesses, such as financial institutions, to offer it under their own brands. As the first step, its parent company, SBPS, has started offering it to member stores as "SBPS BizCRECO".

"SBPS Bill Card Payment"

Features	Credit card payments are possible even if the business partner does not support it. Even if the selling company does not accept Credit Card Payment, the buying company can still pay by credit card. Extension of payment deadline By Credit Card Payment, you can effectively secure a payment grace period of up to 60 days. Improving cash flow We can flexibly respond to temporary funding needs, such as purchasing supplies during peak seasons or unexpected payments. Business efficiency This reduces the workload associated with bank transfers and enables efficient invoice processing. Simple usage flow Simply enter your billing and card information, and automatic transfers will be completed on a date of your choosing.
Service details	https://www.sbpayment.jp/service/b2b/invoice-creditcard/

Features

Credit card payments are possible even if the business partner does not support it.
Even if the selling company does not accept Credit Card Payment, the buying company can still pay by credit card.
Extension of payment deadline
By Credit Card Payment, you can effectively secure a payment grace period of up to 60 days.
Improving cash flow
We can flexibly respond to temporary funding needs, such as purchasing supplies during peak seasons or unexpected payments.
Business efficiency
This reduces the workload associated with bank transfers and enables efficient invoice processing.
Simple usage flow
Simply enter your billing and card information, and automatic transfers will be completed on a date of your choosing.

Service details

https://www.sbpayment.jp/service/b2b/invoice-creditcard/

Company Profile

SB Payment Service Corp.

Representative	Tomonori Hotta, President & CISO
Location	Tokyo Port City Takeshiba Office Tower, 1-7-1 Kaigan, Minato-ku, Tokyo
Established	October 2004
Business content	Payment service, collection agency and corporate calculation office work, acquiring (card merchant business) business, issuing (card issuing business) business
URL	https://www.sbpayment.jp/en/gl-top/

IT Realize Co., Ltd.

Registration number	Governor of Tokyo (1) No. 32054
Representative	Representative Director and CEO: Hideyuki Hongo
Location	7th Floor, Ichigo Higashi-Gotanda Building, 1-6-3 Higashi-Gotanda, Shinagawa-ku, Tokyo
Established	November 2007
Business content	Financial application services (CRECO/Stanpay), IT service development support, fintech business support, lending business
URL	https://www.itrealize.co.jp/

Inquiries regarding this press release

SB Payment Service Corp. Public Relations

Inquiry form	https://www.sbpayment.jp/en/contact/contact-en/

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