Management Stable Funds

Last update date May 1, 2024

Financing terms and conditions
required documents
Flow until receiving loans
Loan consultation and application (financial institutions)
Related page

Financing terms and conditions

Management Stable Funds
Financing target	Those who fall under any of the following Wholesale Market of Yokohama City Central Wholesale Market, which is hindering management due to stagnant sales Those who have been certified as Safety Net Guarantee No. 1 or No. 2 or those who have been affected by management due to bankruptcy of business partners Those whose net sales or gross profit margin (gross profit margin) for the last three or six months has decreased compared to the same period of the last five years. ※The last 3 and 6 months are 3.6 months including the month before the application month. Those who have existed loans guaranteed by the Yokohama City Small and Medium Enterprise Loans guaranteed by the Yokohama City Credit Guarantee Association, and refinancing with this fund will reduce the monthly repayment burden and expect stable management. Those who have been affected by storms and floods
Use of funds	Working capital and equipment funds (financial target 5 is limited to funds necessary for business reconstruction)
Loan amount	Within 280 million yen (within 480 million yen for union)
Interest rate (annual interest rate)	Fixed interest rate: Within 1.7%
Financing period	Operating capital within 10 years (Including 12 months of deferred work)
Collateral	Collateral as necessary
Guarantee fee rate	0.45～1.90％

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

Documents required for each loanee in addition to 1 to 7.
Financing target	required documents
Eligible recipients 1	Management stability fund (Central Wholesale Market Broker) Certification Application Form and Certificate (Form 7 (word: 49KB), Form 7 (PDF: 221KB)) <Contact> Yokohama Economic Affairs Bureau Homeland Management Support Section (TEL: 045-459-3333) or Yokohama Economic Affairs Bureau Meat Market Operation Division (TEL: 045-511-0446)
Financing target 2	[Persons who have been certified as Safety Net Guarantee No. 1 or No. 2] 　1st or 2nd certificate [Those who are having trouble with management due to the influence of a bankrupt company with business] Management stability fund (bankruptcy) qualification report [financial target person 2] (Form 8 (word: 47KB), Form 8 (PDF: 219KB)) Documents confirming the amount of receivables (i.e.g., copies of invoices, etc.) Documents confirming the bankrupt company (a copy of the notice of commencement of bankruptcy proceedings, copy of official gazette or copy of the website of Tokyo Shoko Research Co., Ltd. or Imperial Data Bank, Ltd. or investigation report, etc.)
Financing target 3	Yokohama-shi management stability fund (sales, gross profit rate decrease) qualification report (style 9 (word: 54KB), style 9 (PDF: 267KB)) Documents that show sales or gross interest rate in the target month (monthly trial balance, etc.)
Financing target 4	Yokohama-shi management stability fund (refinancing) business plan [person targeted for loan 4] (style 10 (word: 45KB), style 10 (PDF: 220KB)))
Financing target 5	certificate of damage / disaster (copy) by the mayors of municipalities in the designated area

Flow until receiving loans

①Small and medium-sized enterprises consult and apply for loans to the nearest financial institution.
②After reviewing the loan, the financial institution requests a guarantee from the Yokohama City Credit Guarantee Association.
③The Yokohama City Credit Guarantee Association will determine the guarantee after examination of the guarantee.
④Financial 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

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