Saitama
[Saitama Prefecture] We will create a “Special Provision for Management Improvement” that can be used for refinancing from zero-zero loans, etc.
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Of the prefectural system loans, we will create a special case for management improvement funding that lowers the loan interest rate by 0.2% for management security funds that can be used for business stability and revitalization.
This loan can be used for refinancing from zero-zero loans, etc., so if you wish to use it, please consult with each financial institution in the prefecture.
● Management Anshin Fund [Special case for management improvement benefits] ○ Loan recipients
Small and medium-sized enterprises and small and medium-sized business associations that fall under all of the following A to C
A. A person with a loan balance for refinanced funds that has passed for one year or more from the loan execution date.
(a) Persons whose management is expected to stabilize or improve through the use of this fund, and who have sufficient prospects for repayment.
C. A person who falls under either (a) or (b) below.
(A) Persons who are certified under Safety Net Guarantee No. 5 (b) A person who falls under any of the following 1. to 7. (general guarantee) 1. Persons whose sales in the past month have decreased by 5% or more compared to sales in the same month of the previous year.
2. Persons whose gross profit margin in the past month has decreased by 5% or more compared to the gross profit margin in the same month of the previous year.
3. Persons whose gross profit margin in the past month has decreased by 5% or more compared to the gross profit margin in the most recent fiscal year.
4. A person whose gross profit margin on sales in the most recent fiscal year has decreased by 5% or more compared to the gross profit margin on sales in the previous fiscal year.
5. Persons whose operating profit margin for the past month has decreased by 5% or more compared to the operating profit margin for the same month of the previous year.
6. Persons whose operating profit margin in the past month has decreased by 5% or more compared to the operating profit margin in the most recent fiscal year.
7. A person whose operating profit margin in the most recent fiscal year has decreased by 5% or more compared to the operating profit margin in the previous fiscal year.
○Handling start date
From Monday, July 1, 2020
○Loan limit
Driving 80 million yen
*Limited to refinancing and additional working capital associated with refinancing
○ Loan period
More than 1 year and up to 10 years (can be deferred within 1 year) ○ Loan interest rate
Within 1.2% to 1.4% per year (depending on loan period)
○Guarantee fee rate
・In the case of Safety Net Guarantee No. 5: Within 0.68%
・For general guarantees: Within 0.45% to 1.64% (9 categories) More details about this release:
https://prtimes.jp/main/html/rd/p/000000372.000104306.html