Promotion Funds

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

Promotion Funds
Financing target	Person who runs business in the city or one where business start in the city is accepted
Use of funds	Working capital and equipment funds
Loan amount	Within 280 million yen (for cooperatives, etc. within 480 million yen)
Interest rate (annual interest rate)	A fixed interest rate or variable interest rate shall be selected. Fixed interest rate Within 1.5% per year 1 year to 3 years or less within 2.0% per year 3 years to 5 years or less within 2.2% per year 5 years to 7 years or less within 2.3% per year 7 years to 15 years or less within 2.5% per year 15 to 20 years or less within 2.6% per year 　 Variable interest rate Short-term prime rate of +0.7%
Financing period	Working capital within 7 years Capital Funds (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

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