Yokohama City Capital Loan Promotion Project

In Yokohama City, in order to support the procurement of business funds for city start-up companies, etc., a part of the interest paid for the first three years will be subsidized for companies that use the "capital loan" of the Japan Finance Corporation (interest supply). In addition, you can receive preferential management support from the Yokohama Corporate Management Support Foundation (IDEC Yokohama), so please use it.

We released information page of interest supply procedure in 2024. You have you confirm the following "about contents of interest replenishment", and target person, please download required documents etc. from information page of 2024 Yokohama-shi capital borrowing promotion business interest replenishment procedure, and apply.

Those who have received the following loans from the Japan Finance Corporation by March 31, 2022

• 　Capital loans (Special system for strengthening capital to support challenges) [New business type] (*1)
• 　Measures against COVID-19 Capital subordinated loans (Special funds to support the challenge of COVID-19 infection) [New business type] (*2)

　　　＊1 Excludes loans from corporate restructuring.
　　　＊2 Companies selected for the J-Startup Program or those who have received investment from an investment fund funded by the Small and Medium Enterprise Infrastructure Development Organization.
　　　　 This applies to loans.

Japan Finance Corporation website
　■Capital loans (Special system for strengthening capital to support challenges)
　　National Life Business https://www.jfc.go.jp/n/finance/search/57.html (external site)
　　https://www.jfc.go.jp/n/finance/search/57_t.html (external site)
　■Measures against COVID-19 Capital subordinated loan (Special fund for strengthening capital to support the challenge of COVID-19 infection)
　　National Life Business https://www.jfc.go.jp/n/finance/search/shihonseiretsugo_m.html (external site)
　　Small and medium-sized enterprises (SMEs) https://www.jfc.go.jp/n/finance/search/shihonseiretsugo_t.html (external site)
　■About loan case
　　http://www.jfc.go.jp/n/finance/keiei/yuushi.html (external site)
　■Support for New Business and Startups by the Japan Finance Corporation (Mirasapo plus)
　　https://mirasapo-plus.go.jp/hint/1988/ (external site)

Small and medium-sized enterprises with offices or offices in Yokohama City within 15 years
The details are as follows. Those who meet all requirements are eligible.

• Being a small and medium-sized business stipulated in the SME Basic Law as of the date of borrowing the loan.
• The business must be within 15 years (less than 16 years have passed) as of the date of borrowing.
• There must be an office or office in Yokohama City as of the date of borrowing and at the time of application for grant of interest supply.
• As of the last day of the applicable period of interest replenishment (December 31), the interest payment of the target loan system must not be overdue.
• Do not be behind with municipal tax, establishment tax, property tax and city planning tax.

Every year from January 1 to December 31 of the same year

The maximum amount of interest paid to financial institutions during the applicable period of interest replenishment is 1.0% per year (up to 500,000 yen / year) per loan balance
(Note 1) Based on the monthly interest rate, the amount of replenishment is calculated up to 1.0% per year.
(Note 2) If there is an application that exceeds the budget, the project for the relevant fiscal year will end when the budget is reached.
　　　(The application will be reviewed and issued in the order of the loan execution date of the target system.)

For those who fall under any of the following, the "Support Project Cooperation Special Exception" is applied, and the above upper limit rate is preferentially 2.0% per year.

• Those who have received support from the "YOXO Accelerator Program" at the Yokohama Startup Growth Support Center "YOXO BOX"
• Those who have received support from the “Yokohama Entrepreneur Acceleration Program Project for FY2021” (including the “Yokohama Acceleration Program Project for FY2019” and the “FY2020 Startup Business Support Program Project for FY2020”)
• Those who have received support from The SpringboardTM Program in Yokohama

3 years (36 months) from the month to which the initial contract interest payment date belongs

For example,...
If the loan borrowing date (contract date) is April 1, 2020 and the first contract interest payment date is May 29, 2020, the replenishment period is 3 years from the month to which the first contract payment date belongs (May 2020) to April 2023

For those who use the target loan system and meet certain requirements, there is a preferential management support provided by the Yokohama Corporate Management Support Foundation (IDEC Yokohama). In management support, specialists provide continuous management consulting to solve various management issues faced by managers.

Those who meet all of the following requirements using the eligible loan system.

• Being a small and medium-sized business stipulated in the SME Basic Law as of the date of borrowing.
• The business must be within 15 years (less than 16 years) as of the date of borrowing (contract date).
• There must be an office or office in Yokohama City as of the date of borrowing (contract date).

(Public Goods) Management Consulting conducted by the Yokohama Corporate Management Support Foundation

What is management consulting?
"Yokohama Business Expert," which is made up of experts in management, technology, finance, law, etc. registered with IDEC Yokohama for companies aiming for management innovation and those planning to start a business, responds to consultations on your management issues and provides appropriate advice. It can be used for various corporate management issues such as "management strategy", "utilization of IT", "development of new products", "development of sales channels", "overseas expansion", etc.

Available up to 3 times free (usually charged)
※Use is for 3 times out of 4 to 10 consultations in any of the three fiscal years from the year to which the borrowing date belongs.

(Public Goods) Yokohama Corporate Management Support Foundation (IDEC Yokohama) Homepage
http://www.idec.or.jp/ (external site)

Yokohama-shi capital borrowing promotion business operation summary (PDF: 183KB)