Its main areas of business include loans to businesses and discounting bills. It is also noted for the fact that it has many foreign shareholders.

In June 2007, 46 companies, all named XX (name of prefecture) Asset Finance Co., Ltd., were established as finance subsidiaries throughout Japan. These subsidiaries take charge of extending loans to customers, all branch offices were closed. Currently, SFCG operates a loan office only in Tokyo and is under the jurisdiction of Tokyo metropolitan government.

Characteristics of SFCG

Since the time when it traded as Shōkō Fund, the company has operated a loan business. SFCG extended loans to companies that banks and other financial institutions reject for credit due to the inability of these institutions to evaluate credit risks. SFCG reduced the risk of these loans by using higher interest rates than banks and by requiring borrowers to provide multiple joint guarantors.