Subsidiaries and Affiliated Companies

Tokyo, Japan

(Tokyo Office)

APLUS Co., Ltd. is a major consumer finance subsidiary company of the SBI Shinsei Bank Group. and engages in businesses such as shopping credit, credit cards, and settlements.

As a link connecting customers, tie-up partners, and manufacturers, APLUS Co., Ltd. offers high value-added financial services, through which we contribute to our customers' wealth and well-being.

https://www.aplus.co.jp/ (Japanese version only)

Installment credit

Loan Business

Tokyo, Japan

Shinsei Financial Co., Ltd. provides personal loan services as a member company of the SBI Shinsei Bank Group. The company also offers its expertise and IT systems to regional financial institutions which have credit guarantee tie-up relationships with SBI Shinsei Bank, and we assist them in expanding their personal loan businesses with the aim of developing products that further satisfy their customers' needs and exercising their finely-tuned credit management.

We provide customer-centric services with the utilizing the company's high quality customer research and product development expertise, its process management technologies developed through experience, and state-of-the-art IT. Furthermore, we keep a focus on strong compliance awareness and internal control frameworks as an essential part of day to day activities of our employees.

https://shinseifinancial.co.jp/company/en/

Finance

Tokyo, Japan

Shinsei Personal Loan offers personal loans to consumers.

Founded in 1954 in Himeji City, Hyogo prefecture, we have long been offering our customers comprehensive financial services. In 2016, we changed our corporate name in order to maximize synergy with the SBI Shinsei Bank Group as a whole.

Placing "creation of the most trustable non-bank financial institution" as a center of our corporate mission, we aim to grow together with all of our stake holders and build on our trust with them.

With this management principle in mind, we regard compliance as one of our most important challenges. Our corporate action guidelines include our complying with related laws and regulations in good faith and taking actions based on social norms.

https://noloan.com/corporate/ (Japanese version only)

Financing for individuals and small businesses

Tokyo, Japan

03-6684-7240

Diamond Asset Finance Co., Ltd. was established in 1987 and became a 100% subsidiary of SBI Shinsei Bank in January 2024.

We are engaged in comprehensive finance business related to real estate investment, such as investment condominium financing for individuals and real estate financing for corporations. 

We have business foundation that provides high-quality customer services and networks with affiliated real estate companies that enable us to acquire new projects stably.

https://www.dia-asset.co.jp/ (Japanese version only)

Investment condominium financing for individuals, real estate financing for corporations

Tokyo, Japan

03-5324-5621

Alpha Servicer Co., Ltd. (hereinafter, "Alpha Servicer") is a servicer licensed by the Minister of Justice based on the Act on Special Measures Concerning Claim Management and Collection Businesses (Servicer Act) (Minister of justice Permission No.101).

The company merged with Shinsei Servicing & Consulting Limited (hereinafter, "Shinsei Servicer") in October 2017, consolidating Alpha Service's function focusing on servicing small loans to individual borrowers (primary servicing) and Shinsei Servicer's function focusing on servicing non-performing loans and loans commercial secured loans (special servicing).

Through the merger, as the SBI Shinsei Bank Group's general servicer leveraging the strengths of the two companies, Alpha Servicer will operate the servicing business more efficiently by collectively handling NPLs (non-performing loans) and SPLs (specialized loans) of the Group. The company will also offer more optimized servicing by responding to the various needs of the originators (creditors) including financial institutions.

http://www.alpha-servicer.co.jp/(Japanese version only)

Servicing

Tokyo, Japan

03-4284-1111

Since its foundation in 1969, Showa Leasing Co., Ltd. has contributed to improving the financial situations of its corporate customers and the modernizing of their facilities through the leasing business. After joining the SBI Shinsei Bank Group in 2005, the company has looked to further improve customer satisfaction levels and nurture the trust customers place in it by offering diverse financial solutions that leverage the strengths of the SBI Shinsei Bank Group.

In recent years, the company has entered alliances with companies with a high level of expertise to promote businesses specializing in particular areas or markets, such as the renewable energy and semiconductor businesses. In addition, it has been working to enhance cooperation with regional financial institutions and their customers. Furthermore, it focuses on finding new areas that are expected to grow in the future such as highly-functional assistive products/equipment (e.g. wheelchairs, hearing aids, etc.), next-generation advanced technologies, and on developing products and services to expand such markets.

Showa Leasing comprehensively supports all types of capital investment including information technology equipment, industrial machinery, machine tools, construction machinery, medical equipment, commercial facilities, and airplanes. Moreover, it offers solutions for strengthening financial foundation and risk management, one-stop services concerning the disposal of unnecessary personal properties, and sales promotion programs for manufacturers and retailers.

http://www.s-l.co.jp/english/

Leasing

Hyogo, Japan

078-261-6641

Shinsei Kobelco Leasing Co., Ltd. was established in 1984 with the purpose of providing financing functions to the KOBELCO Group. Since then, it has engaged in business with many customers nationwide, centered on construction machinery.

In 2019, the Company became jointly invested by the SBI Shinsei Bank Group’s Showa Leasing Co., Ltd. (80% stake) and Kobe Steel, Ltd. (20% stake). While further strengthening the financing functions it has cultivated over the years, the Company provides customers with a wide range of financial solutions that leverage the collective strengths of each Group.

As a business partner of the KOBELCO Group, in order to respond to the diverse needs of all customers who do business with the KOBELCO Group, the Company endeavors to co-create value with its business partners by making full use of the SBI Shinsei Bank Group’s network, services and cutting-edge technologies. In addition to striving to increase corporate value, the Company is working earnestly to create a sustainable society.

https://www.s-kl.co.jp/ (Japanese version only)

Leasing

Hyogo, Japan

078-304-7380

Tozai Boeki Co. Ltd. was established in 1989 as a trading company specializing in used construction machinery. In 2015, it became a subsidiary of Showa Leasing Co., Ltd., a member of the SBI Shinsei Bank Group.

The Company is engaged in businesses of purchasing, selling and trading used construction machinery, including hydraulic excavators, bulldozers and cranes. In particular, it is one of the few companies in Japan that holds parade auctions where construction machinery is driven on its own and bid online.

The Company will contribute to the enhancement of corporate value and the formation of a sustainable society by leveraging its expertise in purchasing and assessing used construction machinery as well as strengths in overseas sales channels, which has been cultivated since its establishment.

http://tozaiboeki.co.jp/

Sales of used construction machinery

Tokyo, Japan

03-6880-6200

Shinsei Trust and Banking Co., Ltd. supports every aspect of structured and securitized transactions. From the provision of trust services and transaction management through master servicing and advisory services, Shinsei Trust can add value and provide solutions for both repeat issuers and the most complex of new issues.

As a "new-paradigm" trust bank, Shinsei Trust's products and services are based on the latest structured finance and trust technology combined with market expertise provided by professionals who have been active in the area of trust and servicing solutions.

http://www.shinseitrust.com/(Japanese version only)

Trust banking

Tokyo, Japan

050-3509-0025

Shinsei Business Succession Co., Ltd., a subsidiary of SBI Shinsei Bank, is established for the purpose of business succession support for SMEs. The Company supports enterprises in solving issues such as lack of successors and performance improvements through flexible provision of funding and management support. Also, it contributes to medium- to long-term increase of corporate values of those enterprises by leveraging financial expertise and extensive network with external partner.

https://www.shinsei-js.com/ (Japanese version only)

Investment for SMEs with business succession needs

Tokyo, Japan

03-6871-6600

As a member of SBI Shinsei Bank Group, Shinsei Investment & Finance offers creative and productive services to enhance customer experience.

Real Estate Mortgage Loan

Our long history and expertise in the real estate mortgage business enables us to accommodate and cater to various client financing demands.

• Working capital/facilities/equipment funds for SMEs
• To purchase primary residence, properties-to-let and other investment real estates
• Acquisition, renovation, project funding for real estate related businesses and developers
   

We also support the growing inbound market in offering accessible services for both domestic and overseas investors.

Tailor-made Real Estate Finance

Tailor-made Real Estate Finance Team is dedicated to serve value-added and unique made-to-order services to clients with diverse demands.

• Large projects and short-term bridge financing
• Real estate related businesses and developers project financing
• Purchase and resale businesses and projects
• Real Estate M&A, etc.

Services available in English https://www.shinsei-if.com/en/

Mortgage finance business and real estate investment business

https://www.udc.co.nz/

• Auto loans for individuals
• Asset-backed financing for corporate clients (logistics, forestry, construction companies, etc.)
• Inventory financing for automobile dealers