| Credit-worthy borrowers in Japan are underserved by the current oligopoly of large lending companies and banks. Japanese people deserve to have access to credit at rates that reflect the fair market price for their personal credit risk. At the same time, retail depositors and investors in Japan have suffered from anemic returns on their assets for more than 15 years, due to the zero interest rate policy. At ExCo, we created the AQUSH loan market to connect these groups of people for mutual benefit -- lenders benefit from getting a good return on their invested capital and borrowers benefit from loans at interest rates that reflect their credit risk, not a lending company’s desire for fat profit margins. |
We at ExCo are committed to creating an attractive ROI on behalf of our investors and insure that each borrower at AQUSH is high-quality and given the appropriate AQUSH Credit Grade. The market mechanism connecting AQUSH investors’ supply of money and AQUSH borrower demand sets the current market rate for each grade, offering significant savings to qualified borrowers.
It is smart, fair and transparent. The AQUSH loan market is a better way for Japanese consumers to borrow and invest.
President
Russell Cummer
Russell Cummer
