OperationsMicro Business and Individual Unit
Loans
Features of JFC (Micro Business and Individual Unit) loans
- Available to most enterprises that are operating a business.
- Loans without collaterals nor guarantors are available.
- Business start-ups are also eligible for JFC loans.
- Long repayment period with fixed interest rate.
* Depending on the industry or business conditions, there may be occasions when our services are not available.
Loan Procedure
- Consultation Application
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- Please make an appointment before visiting a consultation counter at a branch office.
- Loan applications may be filed via the website.
For making an appointment: https://www.jfc.go.jp/n/service/heijitsu_soudan.html
For applying a loan: https://www.m.jfc.go.jp/sysped/ped010*Services are provided in Japanese language only.
- Interview
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- You will be asked about the usage of the funds, the status (future plan) of your business, etc. Please prepare documents that show your business status (plan), assets / liabilities, etc.
- We may visit your place of business (store, factory, etc.)
- We may ask you to have an interpreter.
- Financing
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- If your application is approved, we will guide you on the necessary procedures for the loan contract.
- Upon completion of the procedure, we will remit the funds to your bank account.
- Repayment
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- As a general rule, repayment will be made in monthly installments.
List of documents required for loan application
Sole proprietors |
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Business corporations |
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Applicants for equipment loans |
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First-time applicants |
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*Please prepare electronic data such as Excel or PDF files. A Business startup plan sheet and a Corporate profile sheet, and other forms can be downloaded from our website (available in Japanese only).
Business Loan Program
General Loan | Available to SMEs in most industries |
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Special Loan | Loans to extend in response to the government’s economic and financial policy for SMEs
(Examples of Special Loans)
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* Please check our website for more details (available in Japanese only).
(URL) https://www.jfc.go.jp/n/finance/search/index_k.html