Conversion of loan does debt with existing guarantee relaxing of conditions of repayment newly, and management stabilization loan condition change improvement model refinancing fund is financing facility of the prefecture for small and medium sized enterprise operators who are going to plan fund raising improvement.
Requirements of financing eligible people
It is necessary to meet all of next important matters.
1. At guarantee application point in time, there is the balance of another debt with guarantee of association of credit guarantee.
2. Performing return modification of condition about all or a part of 1 another debt.
3. Report practice of development of business plan and plan and progress by oneself while receiving support of support organization such as financial institution and authorized management innovation.
Purpose of fund
1. Refinancing fund (refinancing possibility that we add new operating funds)
1. Loan limit
80 million yen
2. Loan period
Less than 15 years (period of deferment less than one year. But when we add new operating funds and refinance period of deferment less than two years.)
3. The loan rate of interest
The financial institution predetermined rate of interest
4. Guarantee rate
Less than 0.60% a year
5. Security, guarantor
It depends on what that association of credit guarantee sets.
Fund utilizing refinancing guarantor of national unification
The handling financial institution receives report of the practice situation of plan from small and medium sized enterprise operator once in quarter.
The handling financial institution performs development support and management support of plan for small and medium sized enterprise operator in cooperation with support organizations such as authorized management innovation.
As a general rule, the handling financial institution needs report about the management support situation of support organization such as the handling financial institution, authorized management innovation with the practice situation of plan of small and medium sized enterprise operator once a year for association of Saga credit guarantee every fiscal year of small and medium sized enterprise operator.
The handling financial institution shall support management that is instruction, advice and kamato pertaining to correction of plan for small and medium sized enterprise operator based on the practice situation of small and medium sized enterprise operator as needed in cooperation with support organizations such as authorized management innovation.
The chamber of commerce which assumes office of small and medium sized enterprise operator district or commercial and industrial meeting
When is in association, the Saga medium and small-sized business group center society
Association of Saga credit guarantee (Phone: 0952-24-4342)
The chamber of commerce, commercial and industrial meeting, Saga medium and small-sized business group center society of neighborhood
Saga Department of Industry and Labor Management Support Division (Phone: 0952-25-7093)
(1) Debt written application that financing organization establishes and guarantee application (credit guarantee trust application) which association of guarantee sets forth
(2) Surveys statement of position (thing which the chambers of commerce make) about Saga medium and small-sized business special countermeasures fund financing
(3) Summary (thing which the chambers of commerce make) of company
(4) Past financial statements for the third
(5) The situation manual
(6) Business plan
(7) Document which listed support contents by support organization such as authorized management innovation
(8) Documents (documents to need in performing documents to need in utilizing refinancing guarantor of national unification, debt examination) to need in association of other credit guarantee
※Please refer to association of Saga credit guarantee (Phone: 0952-24-4342) for (1),(5) - (8) mentioned above.