Small business funding stabilization support funds

Last update date May 1, 2024

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

Characteristics

For part of the recurring working capital, short-term funds for lump-sum repayment without monthly repayment can be used. As a result, it can be expected that it will lead to stable cash flow.

Financing terms and conditions

Small-scale cash flow stability support funds
Financing target	Small business people who meet all of the following requirements Those who have filed a financial statement (final tax return) for one term or more Those who have not eased repayment of existing loans due to changes in conditions, etc. <Corporate> Those who have recorded ordinary income not exceeding their debt in the most recent financial statements <Sole proprietorship> Those who have a final tax return income of 2 million yen or more in the latest tax return ※Small businesses are those who have less than 20 employees (5 or less in the wholesale, retail, and service industries). However, among the services industry, the accommodation and entertainment industries are 20 or less.
Use of funds	Working capital
Loan amount	20 million yen or less (within twice the average monthly sales in the most recent financial results)
Interest rate (annual interest rate)	Described interest rate of the financial institution
Financing period	Working capital within one year (lump-sum repayment)
Collateral	Collateral as necessary
Guarantee fee rate	0.35～1.80％ ※Guarantee rate is the rate after the application of the guarantee fee discount (0.1%) by the Yokohama Credit Guarantee Association.
Others	※If the above requirements 1 to 3 are met, it is possible to continue using the renewal. ※At the time of renewal of the first and second renewal, it can be renewed even if the above requirements of the loan target 3 are not met. ※At the time of application, the funds must not be used for short-term loans guaranteed by the Credit Guarantee Association (including credit guarantee associations other than Yokohama City) at the time of application.

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
Short-term continuation guarantee (Keizoku) Applicant qualification requirements confirmation and monitoring report [Association style]

※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

Flow until receiving loans

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