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
  • 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
  • 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
  • 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
  • As a general rule, repayment will be made in monthly installments.

List of documents required for loan application

Sole proprietors
  • Financial statements for the past two years filed with the Tax office
Business corporations
  • Final tax returns / financial statements (including statement classified by account title) for the past two years
  • The most recent trial balance (if 6 months or more have elapsed since the last book closing date, or if your business has just been launched and never closed its books.)
Applicants for equipment loans
  • Price estimate of the equipment
First-time applicants
  • Business startup plan sheet (for those starting or have just started a new business)
  • Corporate profile sheet (if you submit a business startup plan sheet, corporate profile sheet is not required.)
  • Certificate of full registry records or certified copy of commercial register (in case of a corporation)
  • Driver’s License (front and back side) or Individual Number Card (My Number Card) (front side only) or Passport of you (or, in case of a corporation, its representative’s) (the pages that contain the face photo and current address)
  • Business license or permit (if you operate a restaurant or other businesses that require permit, notification / authorization, etc.)

*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
Special Loan Loans to extend in response to the government’s economic and financial policy for SMEs (Examples of Special Loans)
  • Safety-net Loans
  • Business Vitality Strengthening Loans
  • New Business Nurturing Loans

* Please check our website for more details (available in Japanese only).
(URL) https://www.jfc.go.jp/n/finance/search/index_k.html