Corporate investment on PFCT (PFC Technologies), a P2P (online investment-linked) finance company, has surpassed 600 billion won ($434 million).

PFCT announced its "2025 PFCT Corporate and Professional Investor Trends and Product Usage Behavior" report on the 21st. According to the findings, PFCT attracted corporate investment of 63.2 billion won ($45.7 million) in 2023, 382.4 billion won ($276.7 million) in 2024, and 600.2 billion won ($434.3 million) in 2025 — three consecutive years of growth, with 2025 marking a 57% increase over the prior year.

Alongside this growth in investment scale, the weighted average return in 2025 was 12.09%, with the loss rate converging to zero and the reinvestment rate reaching 97.5%. Average monthly investment per corporate investor also rose, from 137.22 million won (about $99,300) to 175.49 million won (about $127,000).

P2P lending's bond-type products, with their simple structure and clear maturity and cash flow, are increasingly used as a strategic tool for corporate treasury management.

By investment size, companies investing between 100 million won (about $72,400) and 500 million won (about $361,800) accounted for 41% of the total, while companies investing more than 1 billion won (about $723,600) accounted for 23%.

The product group that has most driven the growth in corporate investment is "Adamtu," an apartment-collateral investment product. Corporate investment in this product group grew more than 1.8-fold in 2025 compared to 2024.

Corporate investors' preference for Adamtu products stems from the potential for double-digit returns in a structure that secures recovery safety through purchase guarantees.

Last year, PFCT applied both basic and expanded purchase commitments to its apartment-backed investment products and offered a range of investment terms — including 6, 12, and 24 months — upgrading the product structure so that corporate investors could design more predictable cash flows.

"The explosive growth and stable adoption of corporate investment for three consecutive years shows that P2P finance is establishing itself as a genuine option for corporate treasury management, beyond just a short-term investment method," said Baek Gun-woo, Managing Director of PFCT's P2P Financial Business Division.