Special funds for small businesses (start-up discount)

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 (starting-up discount) [Company only]
Financing target	A small business person (* 1) who has been in business for more than 5 years and less than 10 years and falls under any of the following Those who have received any of the following startup support programs designated by Yokohama City. "YOXO Accelerator Program" “YOXO Innovation School” (public property) Finalists of the Yokohama Business Grand Prix held by the Yokohama Corporate Management Support Foundation “The SpringBoardTM Program in Yokohama (finished in FY2022)” Yokohama Life Science Bootcamp (finished in 2023) “LIP. Yokohama Trial Grant (Year to 5)” Those who are currently occupying Tokyo Tech Yokohama Venture Plaza Those who have been issued a confirmation certificate in the "Yokohama City Startup Visa" Those who use the following loans from the Japan Finance Corporation or those who receive co-financing (* 2) with the Fund and the following loan Special loan for strengthening capital (capital loan) ※1 Small business is a person with 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. ※2 It is not necessary to have the same conditions, such as the timing of financing and the amount of the loan and the capital loan must be the same.
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	0.00 to 1.60% (0.6% grant)

※If you are a non-profit organization, you cannot use this fund.
※[Decarbonization Discount] It cannot be used in conjunction with it.

required documents

Credit Guarantee Contract Application Form (Form prescribed by Yokohama City Credit Guarantee Association)
private seal certificate of applicant (corporate) (*1, 2)
Tax payment certificate (* 1) 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)
Certificate of all history items (commercial register copy) or registration information provision service (* 1 and 2)
In the case of a licensing business, a copy of the license certificate
Capital funds are copies of quotes, layouts, catalogs, etc.

※1 Certificates must be the latest in 3 months
　　　You can apply for a tax payment certificate online.
※2 Copy is acceptable when applying for the Yokohama City Credit Guarantee Association.

Necessary documents in addition to 1 to 7.
Financing target	required documents
Loan recipients 1 to 3	Startup fund / small business special fund (startup discount) certification application and certificate (Form 2 (word: 47KB), Form 2 (PDF: 224KB), Form 2 (PDF: 224KB)), or documents that show that it is applicable ※　It is necessary to submit the certification application and certificate to the Yokohama City Economic Affairs Bureau (Innovation Promotion Division TEL 045-671-3487) in advance and receive the certificate. In addition, the validity period of the certificate shall be within three months from the date of certification.
Financing target 4	Loan agreement after the loan is executed by the Japan Finance Corporation (Photo) ※　A copy of the loan agreement shall be valid during the repayment period of the loan. <In case of cofinancing> A letter of consent for borrowing application issued in the SME business (copy) or loan certificate issued in the National Life Business (copy)

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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