Mynavi Bridge Co., Ltd. (Location: Minato-ku, Tokyo; Representative: Yasushi Shoji) conducted a survey on "Cash Flow and Financing" targeting 22 small and medium-sized enterprises (SMEs) that use factoring. The survey revealed that the most common reason for considering financing was "long payment terms (payment receipt terms) from accounts receivable" (50.0%), with the primary objective being to secure working capital for labor costs, outsourcing fees, and inventory purchases. Furthermore, 86.4% of user companies achieved cash conversion within 6 days of their inquiry, highlighting the need for rapid response to cash flow issues. This release introduces a portion of the survey results. Survey Results Summary Approximately 86% of respondent companies are small businesses with 20 or fewer employees (primarily B2B industries such as construction, IT, and wholesale). The most frequent reason for considering financing was "long payment terms from accounts receivable" (50.0%). "Two-party factoring" accounted for 86.4% of the types of factoring used. The most common amount per transaction was "1.01 to 5 million yen" (36.4%). Over 40% of cases took "1-2 days" for payment, and over 80% (86.4%) were within "6 days." The most common concern before use was "possibility of accounts receivable being notified" (50.0%), while overall satisfaction after use exceeded 90%. 90.9% responded that they "would use it again if needed." Reasons for Considering Financing The most common response for reasons to consider financing (multiple answers allowed) was "long payment terms from accounts receivable" (50.0%), followed by "increased advances (new projects)" (40.9%), "sudden payments (salary, outsourcing fees, etc.)" (36.4%), and "bank loans were not in time or were rejected" (36.4%). SMEs often face long payment receipt terms for accounts receivable, leading to a shortage of available funds even when sales are recorded. This survey also found that many companies consider financing to secu