Yokohama City Capital Loan Promotion Project

In Yokohama City, in order to support the procurement of business funds for city startup companies, etc., a part of the interest paid for the first three years to companies that use the Japan Finance Corporation's "Capital Loan" of the Japan Finance Corporation for a part of the interest paid for the first three years ( Interest replenishment). In addition, please use it as you can receive preferential treatment of management support from Yokohama Corporate Management Support Foundation (IDEC Yokohama).

The procedure for replenishment of interest in 2024 will be posted around December 2024.

Those who have received the following loans from the Japan Finance Corporation by March 31, 2022

• 　Capital Loan (Special System for Strengthening Challenge Support Capital) [New Business Type](*1)
• 　COVID-19 Capital subordinated loan (Special fund for strengthening capital to support the challenge of COVID-19 infection) [New business type] (*2)

　　　＊1 Excludes loans from corporate rehabilitation.
　　　＊2 Those who have received funds from companies selected for the J-Startup program or investment funds funded by the Small and Medium Enterprise Infrastructure Development Organization.
　　　　 Loans are eligible.

Japan Finance Corporation website
　■Capital Loan (Special System for Strengthening Challenge Support Capital)
　　National Consumer Life Business https://www.jfc.go.jp/n/finance/search/57.html (external site)
　　SME Business https://www.jfc.go.jp/n/finance/search/57_t.html (external site)
　■Capital subordinated loan (Special fund for strengthening capital to support new coronavirus infectious disease countermeasures)
　　https://www.jfc.go.jp/n/finance/search/shihonseiretsugo_m.html (outside site)
　　https://www.jfc.go.jp/n/finance/search/shihonseiretsugo_t.html (external site)
　■Examples of Loan
　　http://www.jfc.go.jp/n/finance/keiei/yuushi.html (external site)
　■Japan Finance Corporation's new business and start-up support (Mirasapo plus)
　　https://mirasapo-plus.go.jp/hint/1988/ (external site)

Small and medium-sized enterprises with offices or offices in Yokohama City within 15 years
Details of the details are as follows. Those who meet all requirements are eligible.

• Being a SME stipulated in the Small and Medium Enterprise Basic Law as of the date of borrowing the loan.
• It must be within 15 years (not more than 16 years) as of the date of borrowing.
• There must be an office or office in Yokohama City at the time of borrowing and grant application for interest replenishment.
• As of the last day (December 31) of the applicable loan system must not be overdue as of the last day of the interest replenishment.
• Do not be behind with municipal tax, establishment tax, property tax and city planning tax.

From January 1 to December 31 of the same year

The maximum amount of interest paid to financial institutions during the period of interest replenishment, up to 1.0% per year (up to 500,000 yen / year)
(Note 1) Calculate the amount of replenishment up to 1.0% per year based on monthly pay interest rates
(Note 2) If the application exceeds the budget, the business for the relevant year will end when the budget is reached.
　　　(For your application, we will examine and grant decisions in the order of the loan execution date of the target system.)

For those who fall under any of the following, the "Special Support Project Cooperation Special" will be applied, and the above upper limit rate will be preferentially 2.0% per year.

• Those who have received support from the "YOXO Accelerator Program" at Yokohama City Startup Growth Support Center "YOXO BOX".
• Those who have received support from the "Yokohama Entrepreneurship Support Program" (including the "Yokohama Acceleration Program Business" and "2020 Startup Support Program Project")
• Those who received support from "The SpringboardTMProgram in Yokohama"

3 years (36 months) from the month to which the first contract interest payment date belongs

For example,...
If the loan borrowing date (contract date) of the loan is April 1, 2020 and the first contract interest payment date is May 29, 2020, the replenishment period is the month to which the first contract interest payment date belongs (May 2020) to 3 years ⇒ Until April 2023

For those who meet certain requirements using the target loan system, there is a preferential treatment of management support provided by the Yokohama Corporate Management Support Foundation (IDEC Yokohama). In management support, we provide continuous management consultation by experts to solve various management issues faced by managers.

Those who meet all of the following requirements using the target loan system.

• Being a SME stipulated in the Basic Law on Small and Medium Enterprises as of the date of borrowing.
• It must be within 15 years (not more than 16 years) as of the borrowing date (contract date).
• There must be an office or office in Yokohama City as of the borrowing date (contract date).

(public property) Management Consulting conducted by the Yokohama Corporate Management Support Foundation

What is Management Consulting?
"Yokohama Business Experts" consisting of experts in management, technology, finance, law, etc. registered with IDEC Yokohama for companies aiming for management innovation and those planning to start a business. We will provide appropriate advice. It can be used for various corporate management issues such as "management strategy", "IT utilization", "new product development", "market development", "sales channel development", and "overseas expansion".

Free of charge up to 3 times (usually paid)
※Use is for 3 out of 4 to 10 consultations in any of the three fiscal years from the year to which the borrowing date belongs

(public property) Yokohama Corporate Management Support Foundation (IDEC Yokohama) website
http://www.idec.or.jp/ (external site)

Yokohama City Capital Loan Promotion Project Implementation Guidelines (PDF: 183KB)