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Yokohama-shi new model coronavirus infectious disease-response fund (real interest-free financing)

Last update date June 15, 2020

Target financing

Person from medium and small-sized business corresponding to any of the following
・About influence of new coronavirus infectious disease, we received authorization based on regulations of medium and small-sized business credit insurance method Article 2 Paragraph 5 No. 4
・We received authorization based on regulations of medium and small-sized business credit insurance method Article 2 Paragraph 5 No. 5
・About producing trouble for stability of management under the influence of new coronavirus infectious disease, it is basis zu in regulations of medium and small-sized business credit insurance method Article 2 Paragraph 6
 We received ku authorization

※ Main authorized requirements of safety net guarantee 4
 After, due to outbreak of new coronavirus infectious disease, having been affected by the disaster concerned, as a general rule, past one-month sales amount is 20% i from a year earlier
 It being anticipated that the top decreases and sales amount including the next two months for 3 months decreases 20% or more in the previous year in comparison with the same month.

※ Main authorized requirements of safety net guarantee 5
 Belonging to type of industry that the Minister of Economy Trade and Industry appoints, and past sales amount for 3 months decreasing more than 5% in comparison with the same period a year ago.
 () except (part exception type of industry that 5 addition-designated type of industry from May 1, 2020 to January 31, 2021 becomes in principle all types of industry)
※ About medium and small-sized business credit insurance method Article 2 Paragraph 5 No. 4, authorization based on 5, please see the following pages.
 About "authorization for safety net guarantee"

※ Main authorized requirements of crisis-related guarantee
 After having been affected by the disaster concerned due to new coronavirus infectious disease, as a general rule, monthly sales amount is year-to-year basis recently, and 15% or more decrease
 It being anticipated that we are doing and sales amount including the next two months for 3 months decreases more than 15% from the year before.
※ About authorization based on crisis-related guarantee, please see the following pages. 
 About "authorization for crisis-related guarantee"

※Among lease contracts to exchange with financial institution when we use this fund, the stamp duty is fault about thing made by January 31, 2021
 It becomes taxation.

 Reference about certification application: 045-662-8931
 Reference about system financing: 045-671-2592  

Purpose for funds

Operating funds and funds for equipment (as for the refinancing, possible)

Conditionality

Yokohama-shi new model coronavirus infectious disease-response fund (real interest-free financing)
Accommodations

Less than 40 million yen (but we assume total amount of money with the amount of use in association of Yokohama-shi credit guarantee and association of other credit guarantee)

The rate of interest (annual interest)

Less than 0.7% of less than one year
Less than 1.1% of less than three years more than one year
Less than 1.3% of less than five years more than three years
Less than 1.5% of less than ten years more than five years

Financing periodOperating funds: Less than ten years funds for equipment: Less than ten years
(including deferment less than five years)
SecurityUnsecured (except the existing setting fixed collateral right)
Joint surety

When we meet 1 of next and 2, we dispense with joint liability on guarantee of corporation representative.
Being asset excess by 1 latest financial statements
The exchanges (officer report of assets of 2 corporations and manager and fund between corporation and managers who separation of the accounting is accomplished, and win
  mukui, bonus, allotment, loan to owner do not be beyond range where) is appropriate under normal social conventions
In this case submission of "manager guarantee exemption-response confirmation" of following Motoichi predetermined style is necessary.
"Manager guarantee exemption-response confirmation" (PDF: 86KB) "manager guarantee exemption-response confirmation" (Excel: 21KB)

Guarantee rate

・When we arrive at sole proprietor (only as for the small scale to include a certain business-related freelance), we support in full
・When we arrive toward sales amount ▲ 5% among the small, middle scale companies (the above is excluded), we support 1/2
                   When we arrive toward sales amount ▲ 15%, we support in full

Interest supply

For three years, we assist at first depending on baijogenshofuku.
・When we arrive at sole proprietor (only as for the small scale to include a certain business-related freelance), we support in full
・When we arrive toward sales amount ▲ 15% among the small, middle scale companies (the above is excluded), we support in full

As for the application documents, please see page of application documents, style.
For more details, please see flyer (PDF: 494KB). 
About real interest-free financing, please see video of the Small and Medium Enterprise Agency HP. (the outside site)

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Inquiry to this page

Economic Affairs Bureau medium and small-sized business Fisheries Promotion Department finance section

Telephone: 045-671-2592

Telephone: 045-671-2592

Fax: 045-664-4867

E-Mail address [email protected]

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