Special funds for accompaniment-type management support

Last update date May 1, 2024

Financing terms and conditions
required documents
Stamp tax exemption measures pertaining to consumer loan agreements
Flow until receiving loans
Loan consultation and application (financial institutions)
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Financing terms and conditions

Special funds for accompaniment-type management support
Financing target	Person of any of the following 1 to 4 city small and medium-sized business who devised management action plan Those who have been certified as Safety Net Guarantee No. 4 Those who have been certified as Safety Net Guarantee No. 5 Either of the following (1) to (3) who have not received any Safety Net Guarantee No. 4 or No. 5 　(1)Those whose sales for the last month have decreased by more than 5% from the same month last year 　(2)Those whose gross profit margin or operating profit margin for the last month has decreased by more than 5% from the same month or the most recent financial results 　(3)Those whose gross profit margin or operating profit margin for the most recent financial results decreased by 5% or more from the previous fiscal year For severe disasters (limited to disasters caused by the 2024 Noto Peninsula Earthquake designated based on the Act on Special Financial Assistance for Dealing with Severe Disasters), a business establishment in the area where the Disaster Relief Law has been applied Those who have suffered a severe disaster. ※ Please see the following page for certification based on Safety Net Guarantee No. 4 and No. 5. "Safety Net Guarantee Certification" ※ The last month is the month before, two months before, or two months before the month in which the application form is filled out.
Use of funds	Loan recipients 1 and 2: Working capital and equipment funds necessary for stable management Financing target 3: Working capital and equipment funds Eligible recipients 4: Working capital and equipment funds necessary for business restructuring
Loan amount	100 million yen or less
Interest rate (annual interest rate)	Fixed interest rate Within 0.9% within 1 year 1 year to 3 years or less within 1.2% More than 3 years to less than 1.4% Up to 10 years or less within 1.6%
Financing period	Operating capital within 10 years (Including less than 60 months)
Collateral	Collateral as necessary
Guarantee fee rate	Eligible persons 1, 2, 4: 0.100% (After national assistance, Yokohama City 1/2 grant) Financing target 3: 0.100 to 0.575% (after national assistance, Yokohama City 1/2 subsidy)
Joint guarantor	If the following 1 and 2 are satisfied, there is no need for a solidarity guarantee of the corporate representative. Exceeding assets in any of the most recent financial results as of January 29, 2020 to the latest financial results as of January 29, 2020 to the latest financial results as of the date of entry of the “Confirmation Form for Exemption from Management Guarantee”. The assets and accounting of the corporation and the manager have been separated in the most recent financial statements, and the exchange of funds between the corporation and the manager (executive remuneration, bonuses, dividends, loans to owners, etc.) is appropriate according to social wisdom Not exceeding

required documents

Credit Guarantee Contract Application Form (Form prescribed by Yokohama City Credit Guarantee Association)
private seal certificate (* 2 and 3) of the applicant (individual / corporate) and joint guarantor (* 1)
Tax payment certificate (* 2) or copy of receipt (Yokohama municipal tax with delivery date)
Copy of financial statements (final income tax return) (in principle, for the last two years)
A corporation obtained through a certificate of all history items (commercial register copy) or a registration information provision service (* 2, 3)
In the case of a licensing business, a copy of the license certificate
Capital funds are copies of quotes, layouts, catalogs, etc.

※1 When a joint guarantor is required
※2 Certificates must be up to 3 months
　　　You can apply for a tax payment certificate online.
※3 Copy is acceptable when applying for the Yokohama City Credit Guarantee Association

In addition to 1 to 7, documents required for each loanee
Financing target	required documents
Eligible recipients 1	Management Action Plan (Reference Form (Excel: 70KB))) Article 2, Paragraph 5, Item 4 of the Small and Medium Enterprise Credit Insurance Act (certificate of Safety Net Guarantee No. 4) "Safety Net Guarantee Certification"
Financing target 2	Management Action Plan (Reference Form (Excel: 70KB))) Article 2, Paragraph 5, Item 5 of the Small and Medium Enterprise Credit Insurance Act (certificate of Safety Net Guarantee No. 5) "Safety Net Guarantee Certification"
Eligible recipients 3(1)	Management Action Plan (Reference Form (Excel: 70KB))) Confirmation of requirements for sales decrease (for special guarantee system for accompaniment support type (for general guarantee)) [Association style]
Eligible recipients 3(2)	Management Action Plan (Reference Form (Excel: 70KB))) One of the following confirmations Confirmation of requirements for reduction of gross profit margin (for special guarantee system for accompaniment support type (for general guarantee)) [Association style] Confirmation of Requirements for Decrease in Operating Income Ratio (for special guarantee system for accompaniment support type (for general guarantee))
Financing target 4	Management Action Plan (Reference Form (Excel: 70KB))) Copy of affliction certificate (limited to those related to disasters caused by the 2024 Noto Peninsula Earthquake)
Where a joint guarantor is not required	Confirmation Form for Exemption from Management Guarantee [Association Form]

Stamp tax exemption measures pertaining to consumer loan agreements

Of the consumer loan agreements exchanged with financial institutions by businesses affected by the new coronavirus infection and businesses affected by the designated disaster (disaster caused by the 2024 Noto Peninsula Earthquake), March 2025 Stamp tax is exempt for items created by March 31, 2025. (The period is subject to change.)

Flow until receiving loans

yuushinonagare

Small and medium-sized enterprises consult and apply for loans to the nearest financial institution.
After reviewing the loan, the financial institution requests a guarantee from the Yokohama City Credit Guarantee Association.
The Yokohama City Credit Guarantee Association will determine the guarantee after examination of the guarantee.
Financial institutions provide loans.

※In using the Yokohama Small and Medium Enterprise Loan System, there is a screening by financial institutions and the Yokohama City Credit Guarantee Association.
In addition, the contents of each fund are intended to provide an overview, and do not guarantee that any loan will be executed or guaranteed consent.

Consultation and application for financing (financial institutions: in Japanese alphabetical order)

List of Financial Institutions
Shinkin Bank	Kanagawa, Kawasaki, Sawayaka, Shiba, Shonan, Jonan, Setagaya, Yokohama
Banking Corporation	Awa, Kanagawa, Kiraboshi, Gunma, Shizuoka, Shizuoka Chuo, Suruga, Daiko, Daishi Hokuriku East Japan, Hokuriku, Mizuho, Sumitomo Mitsui, Mitsubishi UFJ, Yamanashi Chuo, Yokohama, Resona
Government-affiliated financial institutions	Shoko Chukin Bank