Funds, which operates the direct financing platform “Funds,” announced on November 27th a capital and business alliance with PKSHA Technology. The two companies will jointly develop an AI agent that enhances credit screening, pricing, and monitoring, with the aim of realizing an AI-native direct financial market. Investment conditions, including the amount, are not disclosed.
Funds is an online direct financing platform that allows individuals to indirectly lend to listed companies from as little as 1 yen. To date, we have solicited 551 funds formed by 113 companies, mainly listed companies, and have maintained zero distribution delays or defaults (as of the end of October 2025). PKSHA Technology implements AI software focused on natural language processing and inference in various industries such as finance, manufacturing, and education, and offers AI solutions and AI SaaS such as PKSHA AI Helpdesk and PKSHA Chat Agent.
The jointly developed AI agent will autonomously carry out everything from information collection to analysis and decision-making support for corporate financial screening and credit evaluation. We aim to maximize the amount of funds raised by learning past recruitment results and market trends, predicting investor demand according to the funding situation, and optimizing recruitment conditions. This initiative aims to digitally connect the often disconnected functions of auditing, sales, and monitoring, allowing reviewers to focus on higher-level decision-making and analytical tasks.
Going forward, the company is redesigning the direct finance experience, with the goal of enabling agent operations that almost completely automate the process from when a company applies for funding to when it receives funding. Additionally, the company aims to evolve its securities and rating functions using AI into “AI Native Securities” and “AI Native Ratings.”
The cumulative amount raised by the fund has reached 100 billion yen, the cumulative distribution amount has exceeded 1 billion yen, and there have been no cases of delayed distribution or loss of principal (all as of the end of October 2025).
From PR TIMES
