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 utilize 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 personnel costs, outsourcing fees, and procurement. Furthermore, 86.4% of user companies achieved funding within 6 days of their inquiry, highlighting the need for swift responses to cash flow challenges. This release presents 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 for accounts receivable" (50.0%). "Two-party factoring" accounted for 86.4% of the types of factoring used. The most common amount per transaction was "2.01 to 5 million yen" (36.4%). Over 40% received funds in "1-2 days," and over 80% (86.4%) within "6 days." The most common pre-use concern was "possibility of the accounts receivable party 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 frequent response for reasons to consider financing (multiple answers allowed) was "long payment terms for 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 timely or were rejected" (36.4%). SMEs often face situations where they have insufficient cash on hand despite having sales, due to long payment terms for accounts receivable. This survey also found that many companies consider financing to secure workin