As a response to small and medium-sized enterprises affected by the new coronavirus infectious disease, we are accepting consultations at the Town and Commerce Association (Telephone 0268-68-2651).

○ Institutional fund system of town

(1) Town Commerce and Industry Promotion Fund (See attached document)

• Lending interest rate 2.1%
  * Interest supply 1.0% Municipal support (The entire loan interest rate will be supplied for XNUMX years from February XNUMX)
• Credit guarantee fee Full cost of town
• Maximum lending amount 1,000 million yen including working capital and equipment funds

○ Prefecture loan system (interest supply 1.0%, independent support from the town)

(1) Management Sound Fund (Business Stabilization Measures) Safety Net No. 5 Persons, etc.

• Lending interest rate 1.9%
• Credit guarantee fee No burden for safety net guarantee
• Lending limit Equipment funds 6,000 million yen combined with special management stability measures
  Working capital 8,000 million yen combined with special management stability measures

(2) Management health support fund (new coronavirus countermeasures) Safety Net No. 4 persons, etc.

• Lending interest rate 1.6%
• Credit guarantee fee No burden for safety net guarantee
• Maximum lending amount Capital funds 6,000 million yen combined with management stability measures
  Working capital 8,000 million yen combined with management stability measures

(3) Management restoration fund (new coronavirus measures)

 Those affected by the new coronavirus infection and using crisis-related guarantees Affected by the new coronavirus infection, the sales or profitability of any one month out of the last three months is lower than that of the same month of the previous year. Those who have decreased by 15% or more

• Lending interest rate 0.8%
• Credit guarantee fee No burden when using crisis-related guarantees, etc.
• Maximum lending equipment capital 6,000 million yen
  Working capital 8,000 million yen

(4) Nagano Prefectural Coronavirus Infectious Disease Fund

1. Accreditation under the provisions of Article XNUMX, Paragraph XNUMX, Item XNUMX of the Small and Medium-sized Enterprise Credit Insurance Act (hereinafter referred to as the "Insurance Act")
2. (A) Accreditation under the provisions of Article XNUMX, Paragraph XNUMX, Item XNUMX of the Insurance Law
3. (C) Certification under the provisions of Article XNUMX, Paragraph XNUMX of the Insurance Law (limited to those related to new coronavirus infectious diseases for XNUMX years in Reiwa)

• Loan interest rate Among the above-mentioned (4) Loans, the sales amount etc. stated in the certificate
  If the reduction rate is 15% or more, 1.3% per year
  Of the above (4) Loans, if the rate of decrease in sales etc. stated in the certificate is 1.6% or more, XNUMX% per year
• Credit guarantee fee No burden for safety net guarantee
• Lending limit Equipment funds 8,000 million yen combined with special management stability measures

○ National support system

(1) Designation of Safety Net Guarantee No. 4 and additional designation of No. 5

• A system guaranteed by the Credit Guarantee Association in a separate frame from general guarantees as a financing support measure for small and medium-sized enterprises and small businesses whose sales are declining.
  No. 4 has 100% loan amount
  No. 5 has a loan amount of 80%
  * No. 40 additional designation for 5 industries such as inns, hotels, restaurants, restaurants

(2) Crisis-related guarantees

• Given that the cash flow of small and medium-sized enterprises and small businesses is tight, as a “crisis related guarantee” for businesses of all industries, sales decrease by 15% or more compared to the previous year. Guaranteed 100%

(3) Special measures for employment adjustment subsidies

• If an employer who is forced to reduce business activities for economic reasons temporarily suspends, trains, or dispatches workers to maintain employment of workers, leave allowances, wages, etc. Subsidizing part of

There are various other support measures, so please visit the support system website of your country / prefecture. For financing, please contact your financial institution's window.

 

 

Town Institutional Funding System

(1) Town Commerce and Industry Promotion Fund (See Attachment)

• Loan interest rate: 2.1%
  * Interest supply 1.0% Town-specific support
  The loan interest will be replenished in full for two years from February 2.
• Credit guarantee fee: full town charge
• Loan limit: 1,000 million yen for working and equipment funds

Prefecture's loan system (interest supply 1.0%, town-specific support)

(1) Management soundness fund (management stability measures)

• Loan interest rate: 1.9%
• Credit guarantee fee: No safety net guarantee
• Loan limit: Capital fund 6,000 million yen Working capital 8,000 million yen

(2) Management soundness fund (special management stabilization measures)

• Loan interest rate: 1.6%
• Credit guarantee fee: No safety net guarantee
• Loan limit: Capital fund 6,000 million yen Working capital 8,000 million yen

(3) Management soundness fund (management stability measures)

• Loan interest rate: 1.3%
• Credit guarantee fee: full subsidy
• Loan limit: Capital fund 6,000 million yen Working capital 8,000 million yen

National support system

(1) Designation of Safety Net Guarantee No. 4 and additional designation of No. 5

• A system in which the Credit Guarantee Association guarantees 4% of the loan amount for No. 100 and 5% of the loan amount for No. 80 separately from general guarantees as a measure to support the financing of small and medium-sized businesses and small businesses with declining sales.
• 40 industries, including inns, hotels, cafeterias, and restaurants, are designated as No. 5.

(2) Crisis-related guarantees

• In the event of a crisis such as the Great East Japan Earthquake and the Lehman Shock, the Credit Guarantee Association has a separate limit (2.8 million yen) from the normal guarantee limit (2.8 million yen) and the safety net guarantee limit (2.8 million yen) for all industries in Japan. Yen) to guarantee 100% of the debt

(3) Special measures for employment adjustment subsidies

• If an employer who is forced to reduce business activities for economic reasons temporarily suspends, trains, or dispatches workers to maintain employment of workers, leave allowances, wages, etc. Subsidizing part of

As there are national interest-free and unsecured loans and various other support measures, please see the national support system website, the prefecture support system, and the attached documents.
For financing, you can consult with your financial institution.

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National support system website

https://www.meti.go.jp/covid-19/index.html

Prefecture support system homepage

https://www.pref.nagano.lg.jp/keieishien/corona.html

Town Commerce and Industry Promotion Fund System

Town Commerce and Industry Promotion Fund System [PDF: 68KB]