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Start-up Funds

Last update date May 1, 2024

Contents

  1. Financing terms and conditions
  2. required documents
  3. Flow until receiving loans
  4. Loan consultation and application (financial institutions)
  5. Related page
Start-up fund [Company only]
Financing targetOne of the following:
  1. Those who are going to be founded in the future (limited to those who are not currently operating) and who establish a company in the city within two months and start business
    ※Those who have been certified that they have received support from the business, such as specific founding support, are within 6 months.
  2. Those who have already been founded and fall under any of the following (limited to those who do not run any other business at the start of the business)
    1. Those who have established a company for less than five years
    2. A person who establishes a new company after starting a private business succeeds all or part of the business to the company by transfer of the business, and who has started the private business for less than 5 years
  3. A company newly established (separated) by a company that continues business, and who is less than 5 years from the date of establishment (those who newly establish a company in the city while continuing the business) Including)

Those who fall under any of the following conditions

  • Oh, person who received support of business such as specific founding support of Yokohama-shi
  • Those who have received any of the following start-up 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)”
  • (C) Those who are currently occupying Tokyo Tech Yokohama Venture Plaza
  • Oh, those who have been issued a confirmation certificate in the "Yokohama City Startup Visa"
  • (E) Those who use the following loans from the Japan Finance Corporation or those who receive co-financing (*) with the Fund and the following loan
    • Special loan for strengthening capital (capital loan)

※There is no need to be the same, such as the timing of the loan and the capital loan amount must be the same.

Use of fundsWorking capital and equipment funds
Loan amountUp to 35 million yen
Interest rate (annual interest rate)

Fixed interest rate: Within 1.5%

Financing period

Operating capital within 10 years
(within 12 months, except for 36 months in the case of simultaneous execution with Proper loan, etc.)

CollateralNot required
Joint guarantorNot required
Guarantee fee rate

Zero business burden (full subsidy)
※The guarantee fee rate is fully subsidized after applying the guarantee rate discount (0.4%) by the Yokohama Credit Guarantee Association

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

  1. Credit Guarantee Contract Application Form (Form prescribed by Yokohama City Credit Guarantee Association)
  2. private seal certificate of applicant (corporate) (*1, 2)
  3. Tax payment certificate (* 1) or copy of receipt (Yokohama municipal tax with delivery date)
  4. Copy of financial statements (final income tax return) (in principle, for the last two years)
  5. Certificate of all history items (commercial register copy) or registration information provision service (* 1 and 2)
  6. In the case of a licensing business, a copy of the license certificate
  7. 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 targetrequired documents
Loan recipients A to D
  1. Start-up plan (for startup creation promotion guarantee system) [Association style] (outside site)
  2. 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

※About how to write plan, please refer to commentary video (outside site) of Yokohama credit guarantee.
※In formulating the plan, consultation is accepted by the Yokohama Corporate Management Support Foundation (outside site).
※Submit the certification application form and certificate to Economic Affairs Bureau, Yokohama City (Innovation Promotion Division TEL 045-671-3487) in advance and receive the certificate. The validity period of the certification certificate shall be within three months from the date of certification.

Financing target

  1. Founding Plan (for startup creation promotion guarantee system) [Association style]
  2. Loan agreement after the loan is executed by the Japan Finance Corporation (Photo)

※The loan agreement (copy) shall be valid during the repayment period of the loan.
<In case of cofinancing>
"Borrowing application consent form (copy)" issued in the SME business, or "Notice of Loan / Borrowing Certificate (Copy)" issued in the National Life Business


  • 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.

List of Financial Institutions
Shinkin BankKanagawa, 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 institutionsShoko Chukin Bank

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For inquiries to this page

Finance Division, Fisheries Promotion Department, Small and Medium Enterprises, Economic Affairs Bureau

Phone: 045-671-2592

Phone: 045-671-2592

Fax: 045-664-4867

Email address: ke-kinyu@city.yokohama.jp

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Page ID: 164-873-935

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