Special funds for small businesses

Last update date May 1, 2024

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

Special funds for small businesses
Financing target	Small business person ※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 and equipment funds
Loan amount	Up to 20 million yen
Interest rate (annual interest rate)	A fixed interest rate or variable interest rate shall be selected. Fixed interest rate Within 1.2% within one year 1 year and less than 3 years 1.6% Up to 3 years or less within 1.8% 5 years to less than 10 years 1.9% 10 to 15 years or less within 2.0% Variable interest rate Short-term prime rate + 0.4%
Financing period	Working capital within 10 years Capital capital (Including 12 months of deferred work)
Collateral	Not required in principle
Guarantee fee rate	0.40 to 2.10% (0.1% grant)

※If you are a non-profit organization, you cannot use this fund.

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

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