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Small scale business loan (small business capital)

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  Small scale business loan (small business capital) is fund that is available as business capital that small sized business proprietor needing funds for equipment and operating funds is free. It supports small small business guarantor and particularly small insurance. 

 

Requirements of financing eligible people

In the case of use of small small business guarantor

In the case of use of small small business guarantor, it is necessary to meet all of requirements listed below.
 (1) Being individual having house or office in the prefecture or corporation having the head office or office in the prefecture.
 (2) It being clear to perform business objectively.
 (3) Person running business to need authorization of administrative agency obtaining the official license.

 (4) Being small sized business proprietor.

 

In the case of use of particularly small insurance

In the case of use of particularly small insurance, it is necessary to meet all of requirements listed below.

 (1) Having office in the prefecture sequentially more than one year.
 (2) Running equivalence business sequentially in the prefecture more than one year.
 (3) Person running business to need authorization of administrative agency obtaining the official license.
 (4) Being small sized business proprietor.
 (5) Do not receive credit guarantee other than the guarantee by particularly small insurance of guarantee society.
 (6) Deadline paying tax amount which came fully about income tax (except withholding taxes), enterprise tax, one of the income percent of citizen of prefectural tax, municipalities tax for in front of debt application day one year. 

 

Purpose of fund

1. Funds for equipment

  Funds for equipment mean land, building, the acquisition costs to enhance production or commercial function of facilities.
  But, as a general rule, the acquisition costs only for land do not intend.

 

2. Operating funds

 

Conditionality

1. Loan limit

  20 million yen (add the amount of new loan and the guarantee financing balance of association of existing guarantee belonging to)

 

2. Loan period

  Facilities ten years (period of deferment one year)
  Driving five years (period of deferment six months)

 

3. The loan rate of interest

  1.3% a year 

 

4. Guarantee rate

  In the case of use of small small business guarantor: Less than 0.60% a year

  In the case of use of particularly small insurance: Less than 0.71% a year

 

5. Security

  In the case of use of small small business guarantor: As a general rule, it is unnecessary.

  In the case of use of particularly small insurance: Unnecessary. 

 

6. Guarantor

  In the case of use of small small business guarantor: It depends on what that association of guarantee sets.

  In the case of use of particularly small insurance: Unnecessary. 

 

Application method

1. Application

  The chamber of commerce which assumes office of small and medium sized enterprise operator district or commercial and industrial meeting (when in association the Saga medium and small-sized business group center society)

 

2. Documents to submit 

 (1) Debt written application that financing organization establishes and guarantee application (credit guarantee trust application) which association of guarantee sets forth
 (2) Documents to need on performing other debt examination

  

  Please contact association of Saga credit guarantee duties unification department (0952-24-4342) for the details.

 

FAQs

1. What kind of thing is small sized business proprietor?

(answer)
 We say person corresponding to any of the following.

    • The common use number of employees 20 (as for commerce, the service industry five people. But accommodation business, entertainment business is 20) individual, company or less
    • Business jointly small association
    • Syndicate where is younger than union membership 20 people
    • Corporation where the common use number of employees assumes less than 20 co-operation associations, medical profession occupation

 

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Saga prefectural government office (corporation number 1000020410004) 〒 840-8570  1-1-59, Jonai, Saga-shi   Tel: 0952-24-2111 (main)     
Copyright© 2016 Saga Prefecture.All Rights Reserved.

Saga prefectural government office (corporation number 1000020410004)

〒840-8570
1-1-59, Jonai, Saga-shi
Tel: 0952-24-2111 (main)
Copyright© 2016 Saga Prefecture.All Rights Reserved.