We support financing by utilizing our experience working in banks.
Support for bank borrowing
Lending and disbursement policies differ for each financial institution. We will search for "financial institutions that are easy to borrow" depending on the time of year and negotiate so that we can afford to borrow funds. Of course, the materials to be submitted to financial institutions also need to be devised accordingly, so we will cooperate in the preparation of materials.
Working capital loan application
Applications for working capital loans are made to financial institutions that have a track record of transactions, financial institutions that are willing to lend, or the Japan Finance Corporation, depending on the outstanding amount of borrowings of financial institutions, the ratio of borrowings from each financial institution, the shortage of working capital due to sales growth, the development of new businesses, etc. We submit a business plan and cash flow table with a trial balance that can more accurately grasp past results and future business forecasts. More than 50% of the success or failure of a loan depends on this business plan.
Financing of equipment funds application
When applying for a loan for equipment funds, the quotation of the equipment in question shall be attached. In the case of capital investment exceeding 10 million yen, it is necessary to prepare a capital investment plan that mainly explains the investment effects (increased sales, cost reduction through rationalization) and specifically indicate how long it will take to recover the invested funds. For equipment funds, you can apply for an extension of the borrowing period from working capital to 10~15 years, but you cannot have working capital and a line of credit separately.
Loan for start-up funds application
If you have at least 6 years of experience in the business you plan to open and are ready to self-fund more than 1/4 of the start-up funds, you can raise start-up funds from the Japan Finance Corporation. The maximum borrowing conditions are 15 million yen for working capital and 30 million yen for equipment funds. Interest rates are affected by developments in financial markets, but collateral does not require borrowing a certain amount. While conducting interviews, we will prepare a business plan for the next three years or so and show our ability to repay the loan. For lenders, we focus not only on the repayment ability but also on the growth potential and future potential of the business, so we incorporate the characteristics of the business and the charm points of the management into the plan. Let's create a business plan together that will make you want the loan manager to lend you.
Small Private Placement Bond
As one of the financing methods that does not rely on financial institutions, we propose small-group private placement bonds. By soliciting a wide range of new businesses and equipment funds from business partners and executives and employees, it is expected to raise credibility and raise the awareness of officers and employees to participate in management. Please also read our column that explains in detail about small-group private placement bonds.