Financing support

熊本県被災中小企業者再建支援資金緊急利子補給補助金は、令和7年8月豪雨で被害を受け、熊本県被災中小企業者再建支援補助金を活用して復旧に取り組む中小企業者等を対象に、自己負担部分を金融機関から借り入れた場合の利子を県が補助する制度です。物価高や賃金引上げの影響に加えて災害被害を受けた県内中小企業者等の復旧・復興を支援し、早期再建や経営安定につなげることを目的としています。融資実行後にいったん金融機関へ支払った利子を、後から県が補助する仕組みです。 申請できるのは、熊本県被災中小企業者再建支援補助金の交付確定通知書を受領した中小企業者等、すなわち復旧工事が完了し同補助金の交付確定を受けた者です。対象となる融資は、熊本県中小企業融資制度の取扱金融機関による熊本県金融円滑化特別資金（令和7年8月大雨枠）、又は日本政策金融公庫による令和7年8月豪雨に係る災害貸付（国民生活事業）・災害復旧貸付（中小企業事業）に限られます。資本金又は出資金5億円以上の法人に100%保有される場合、直近過去3年分の課税所得の年平均額が15億円を超える場合、同じ目的の県内市町村利子補給補助金を受けた場合は対象外です。 補助対象となる金額は、毎年1月1日から12月31日までに支払った約定利子額（遅延損害金を除く）に、特定貸付の借入額に対する被災中小企業者再建支援補助金交付確定額に対応する自己負担額の割合を乗じた額です。公式ページでは、支払利子額に自己負担額を借入額で割った割合を掛ける考え方が示されています。借入額が自己負担額を超える場合は割合額を補給し、利子補給期間は特定貸付の開始から最大3年間（36か月分）です。令和8年は、本事業が施行された令和8年4月1日以降に発生した利子が対象となります。 申請は毎年度必要で、令和8年度の申込締切は令和8年12月10日（消印有効）、制度上の提出期限も毎年12月10日までです。1回目は交付申請書兼請求書（1号様式）、被災中小企業者再建支援補助金の交付確定通知書写し、金銭消費貸借契約書写し、返済口座通帳等の写し、誓約書（3号様式）を郵送します。2回目以降は交付申請書兼請求書（2号様式）を提出し、原則として初回添付書類の一部は不要です。県が金融機関へ支払利子額を照会して申請金額を算出し、審査後に交付決定・確定通知を行い、翌年3月中の支払いが予定されています。

①事業概要：当該確定額を基に算出する利子補給金の金額も確定できないため、 ②対象者：【熊本県】熊本県被災中小企業者再建支援資金緊急利子補給補助金のご案内（自己負担分の利子補給金） - 熊本県ホームページ / 【熊本県】熊本県被災中小企業者再建支援資金緊急利子補給補助金のご案内（自己負担分の利子補給金） ③補助対象経費・補助内容：（交付対象経費） / ２ 受給資格者が期限の利益を喪失した場合は、その日までの約定利子に限り、交付対象経費とする。 上限額は80,000,000円。 ④補助率・上限・スケジュール・申請のポイント：補助率は最大1。申請期間は開始日不明から2026-12-10T23:59:59+09:00。 申請時は、公式書類に記載された提出書類をそろえ、交付決定前着手や重複補助等の制限を確認してください。

This subsidy program in Kasugai City, Aichi Prefecture, reduces the interest burden on newly established entrepreneurs by providing interest subsidies on business loans. Individual entrepreneurs and corporations newly starting operations within Kasugai City are eligible. The city subsidizes a portion of the interest on approved startup loans, effectively lowering financing costs during the critical early stages of business. Applicants must meet the city's recognition requirements and qualify for the startup loan program. This initiative strengthens local employment and economic revitalization through strategic support of new ventures.

(1) Overview: Fuchu City (Hiroshima Prefecture) Economic & Tourism Department, Commerce & Tourism Division operates this interest-subsidy program to stabilize and grow small businesses inside the city. The city subsidizes part of the loan interest paid by businesses that received a "Marukei" (Small Business Management Improvement) loan from the Japan Finance Corporation (JFC). (2) Eligible Applicants: Small businesses that (a) have an office in Fuchu City and have continuously operated the same business for at least 1 year; (b) received a Marukei loan between April 1, 2015 (Heisei 27) and March 31, 2025 (Reiwa 7) with the recommendation of either the Fuchu Chamber of Commerce or the Joge-cho Society of Commerce and Industry; and (c) have no delinquent city taxes. (3) Eligible Expenses & Benefit: The contractual interest (yakujo-rishi) paid to JFC on the Marukei loan during each calendar year (January 1 to December 31; for Heisei 27, April 1 to December 31) is the basis of calculation. Delinquent-interest charges are excluded. The subsidy equals the interest amount calculated at an annual rate of 0.5% (or the actual loan rate if it is below 0.5%). (4) Rate, Cap, Schedule & Tips: The subsidy is paid for at most 24 months counted from the month of the first interest payment. Applications must be submitted via the recommending Chamber of Commerce / Society of Commerce and Industry; the application for each year (through December) must be filed by the end of January of the following year. No explicit per-application monetary cap is published on the city page — the amount is determined by the 0.5%-equivalent formula. Contact the recommending body for the application forms and detailed procedure.

Kotoura Town provides interest-subsidy support for town businesses affected by rapid exchange-rate fluctuations, U.S. tariffs, and the combined impact of U.S. tariffs and yen depreciation. Eligible applicants are corporations, individuals, or associations with a business office in the town that received eligible Tottori Prefecture regional economic fluctuation financing, paid interest to a financial institution, and paid town taxes by their due dates. Eligible loans are new borrowings, excluding refinancing of existing borrowings, under the specified FY2025 financing categories. The subsidy period is within 36 months from the interest accrual month, and the subsidy is based on interest paid from January 1 to December 31 each year. Documents are due by the end of January each year.

(1) Overview: Kotoura Town (Tottori Prefecture) announced on 7 April 2026 a 3-year interest-subsidy program for SMEs located in the town that took out loans under Tottori Prefecture's "Regional Economic Fluctuation Countermeasures Fund" (a sub-program of the Corporate Self-Support Financing) to cope with three distinct shocks: (a) sharp exchange-rate swings, (b) US tariff impacts, and (c) US tariffs combined with yen depreciation. For each category the town subsidizes all or part of the interest paid to financial institutions over 36 months. (2) Eligibility: Corporations, sole proprietors, and cooperatives with a business establishment in Kotoura Town that received an eligible loan and paid interest to a financial institution. Applicants must owe town taxes and have paid them by the statutory deadlines. Refinancing loans intended to replace existing debt are excluded; only new borrowings qualify. (3) Eligible expenses / benefit content: The subsidy covers interest paid to the lender between 1 January and 31 December of each year (excluding default/penalty interest). The covered amount is calculated by multiplying the interest paid (D) by the new-borrowing ratio (C = new-loan amount B / total borrowed A, rounded to 4 decimal places), then truncating to whole yen. (4) Rate / cap / schedule / application points: Eligible loan-execution windows are 1 Apr–30 Sept 2025 (exchange-rate), 12 Sept–31 Dec 2025 (US tariff), and 1 Jan–31 Mar 2026 (US tariff + yen). Applicants submit Form 1 (application & performance report), Form 2 (interest-payment certificate from lender), and Form 3 (business plan / report) by the end of January each year, attaching a copy of the original loan application (first year only) and a repayment schedule, to the Commerce & Tourism Division, Kotoura Town. Invoice dates must follow the official Grant Decision & Amount-Confirmation Notice.

This Takasago City initiative supports new business startups by subsidizing guarantee fees and providing interest rate subsidies on loans from financial institutions. Eligible applicants include individuals and corporations starting new businesses within Takasago City, with emphasis on the feasibility of their business plans. The program reduces initial funding costs by covering guarantee insurance premiums and partially subsidizing interest payments, lowering barriers to entrepreneurship. Applicants must demonstrate support from the Chamber of Commerce and submit a qualified business plan meeting specific requirements. As a key economic revitalization measure, prospective entrepreneurs should consult early with the Chamber of Commerce and municipal authorities to maximize their chances of success.

1Business overview: The auxiliary grant of the affiliate credit guarantee fee in Kesennuma City is a system to assist the affiliate whose business conditions are deteriorated due to rapid changes in the management environment. In order to reduce the burden on the repetition of funds, and to support business co ity and local economy, it is a mechanism to substitute the rest of the security fee that the business will bear. 2 Subjects: Subjects are companies or individuals who have been confirmed by Kesennuma Chamber of Commerce and Industry or Honkichi Karakuwa Shokokai. is a member of the Department of Fisheries, a buyer of fish market in Kesennuma, a fish food manufacturing, ice industry, machinery manufacturing, ship manufacturing and repair, road freight forwarding, cold storage, fishery wholesale, and other seafood wholesale. In addition, it is necessary that the total of 3 consecutive months sales from June to November of 2019 is reduced by 20% or more from the previous year. 3Subsidy Exp。s and Subsidy Contents: The subsidy is a credit guarantee fee when a new loan is received from a financial institution by the Enforcement Regulations for the Promotion of Small and Medium Enterprises in Kesennuma City from April 1, 2019 to February 26, 2019. Conditional changes, loans executed on or after April 1, 2019 are not eligible for the same guarantee fee. In the case of installment payment, the amount equivalent to the guarantee fee that the payment is completed by the application date is eligible for assistance. 4Points of subsidy rate, upper limit, schedule, and application: The subsidy amount is equivalent to 1/2 of the credit guarantee fee involved in the loan, and substantially the city will bear the full amount of guarantee fee when it is combined with 1/2 of the existing city credit guarantee fee. Although the subsidy page itself is not specified, the maximum loan limit is 20 million yen on the official Kesennuma Small and Medium Enterprise Fund page, the longest

Kesennuma City offers a credit guarantee premium subsidy program to strengthen the management foundation of fishery-related businesses through reduced financing costs. Eligible applicants are sole proprietors and corporations operating fishery-related businesses in Kesennuma City. The subsidy covers part or all of the credit guarantee insurance premium charged by guarantee associations when obtaining loans through financial institutions, improving business cash flow management. Eligible businesses must contribute to fishery industry promotion and regional economic revitalization, and plan to obtain financing from financial institutions. As this initiative supports the sustainable development of Kesennuma's core fishery industry, early consultation with the city's relevant department regarding specific eligible business conditions is essential.

1Business overview: Auxiliary subsidy for Tawara City credit guarantee is a system to assist all or part of the credit guarantee fee to be borne by a small business or a new founder of Tawara City using a guarantee loan of Aichi Credit Guarantee Association. The purpose is to facilitate financing in with the burden of the security fee, toつ the management foundation, to develop small and medium-sized companies, and to promote the business industry. The target loan is a guaranteed loan enumerated by the guidelines, such as funding for small businesses, safe net funds for support funds, management funds for establishment, and disaster response funds. 2 Subjects: The target is a small business or a new founder who has been lending the target loan. In the case of a corporation, it is necessary to have a head office or head office in Tahara city both on the rental date and the application date, and have a store, factory, office, and sales office in the city. In the case of an individual, it is necessary to have a store, factory, office, office etc. in the city, recorded in the basic register of residents in Tahara City both on the rental date and the application date. It is the condition that both of them are recognized to be sure to operate the business continuously and the city tax is paid. 3Auxiliary expenses and auxiliary contents: The subject of the auxiliary is credit guarantee fee for loans with guarantee of Aichi Credit Guarantee Association. The total amount of loans that can be subsidized for the same year is limited to 30 million yen per person. If the loan amount is less than 5 million yen, the credit guarantee fee will be auxiliary. If the loan amount exceeds 5 million yen, the credit guarantee fee equivalent to 5 million yen will be 1/5 of the credit guarantee fee equivalent to 5 million yen. In the borrowing of the existing loan, it is calculated by changing the amount of the borrowing. 4 Points of subsidy rate, upper limit, schedule, and application: The u

①Overview: Tokai City (Aichi Prefecture) operates the Credit Guarantee Fee Subsidy program to reimburse small and medium-sized enterprises (SMEs) for credit guarantee fees paid to the Aichi Credit Guarantee Association when receiving institutional loans (Small Business Promotion Fund, Safety Net Guarantee No.5, Startup Support Fund). The FY2026 (Reiwa 8) program continues under the same scheme. ②Eligibility: SMEs whose head office or business location is within Tokai City and that actually operate there, that received one of the qualifying institutional loans in the current fiscal year, paid the credit guarantee fees, and have fully paid all municipal taxes. For loan refinancing, at least 1/2 of the original loan principal must already have been repaid. ③Subsidy scope and amount: The subsidy covers the guarantee fee paid to the Credit Guarantee Association. Subsidy rates by loan type: Standard Fund 60%, Small-Lot Fund 80%, Safety Net No.5 100%, Startup Support Fund 100%. Caps: 120,000 yen for Standard/Small-Lot/Startup, 100,000 yen for Safety Net No.5. Amounts under 100 yen are truncated. ④Rate, cap, schedule, application points: Up to 100% with caps of 100k–120k yen per case. Application must be filed within 30 days from the loan disbursement date OR by March 31, 2027 (Reiwa 9), whichever comes first. Required documents: the Subsidy Application/Claim Form, Handling Financial Institution Certificate, Municipal Tax Payment Certificate, Personal Information Consent (not required if the tax certificate is attached), and for Safety Net No.5/Startup loans, a copy of the Credit Guarantee Decision Notice. Submit to Tokai City Mayor (Industry & Labor Division, 0562-38-6304).

1Business overview: Shirokawa-cho small-scale enterprise support loan interest supplementation is a system to revitalize local economy by replenishing part of the pay interest when small-scale enterprises in the town borrow funds to strengthen management foundation, streamline etc. This page has been updated on December 25, 2024. 2Applicants: A small business operator who has an address or business office in the town and operates a business industry, and is a member of the Shirakawa-cho Shokokai. It is also necessary that the town has not been invested, designated management of buildings, and there is no町 gnation such as town tax. In the grant application form, it is also required to agree that the town investigates the status of payment of Shirokawa-cho tax and payment according to this. 3Auxiliary expenses and subsidy contents: The loan system is a guarantee loan (such as a small-scale company guarantee) of the Gifu Prefecture Credit Guarantee Association and the Marukei loan of the Japan Policy Finance Corporation, ordinary loan, special loan. The target financial institution is a financial institution recognized by government agencies,協 cooperation, local banks, etc. In addition to commercial use, ordinary passenger cars and sales facilities are not eligible, and when applying for approval, a loan decision notice, an estimate of equipment, receipt, a loan repayment schedule, etc. shall be submitted. 4 Points of subsidy, upper limit, schedule, and application: The borrowing limit is 3 million yen, the interest supply period is up to 5 years60 months), and the interest supply amount is up to 2% of the annual interest rate. Thus, the maximum amount on display is treated as a 300,000 yen multi by up to 60,000 yen per year. Application for approval is submitted to the Shirakawa-cho Commerce and Industry Association with the required documents, and the application is up to two times at one office. Applicants must be submitted by the end of January every year to attach

Ajiga town business activities support fund guarantee fee subsidy is a system that supports management stability and business revitalization by subsidying part of the credit guarantee fee to small and medium enterprises in the town using the Aomori Prefecture business activities support special security loan system. The application period is from April 1, 2019 to March 31, 2019. Applicants must be small and medium-sized enterprises with an address or main business location within the town, and the tax payment status is good. The system is not a loan body, it is a auxiliary of the security fee that occurs due to loan use, and it is treated as a subsidy without repayment. The subsidy is a credit guarantee fee when small and medium-sized companies in the town use the support funds for the Aomori Prefecture business activities as necessary facilities and driving funds for business activities. The credit guarantee fee is 0.45% to 1.90% in the official summary, and the amount equivalent to 0.25% or 0.45% of the guarantee fee by the non-providing system of the business selective management is not covered by the subsidy. To apply for assistance, attach a security fee subsidy application form, a security fee calculation form, and other documents that the town may be required. The auxiliary amount is one- rd of the warranty fee, and it will be ncated if the number of ends is out. The upper limit of the auxiliary amount is not specified in the above document, but the maximum amount for display is 20 million yen, the maximum fee rate of credit guarantee 1.90%, and the auxiliary rate is 190,000 yen. The actual auxiliary amount変動ctuates depending on the amount of guarantee to be confirmed in the warranty fee statement. Application will be accepted from April 1st to March 31st of the following year. In the event of a reimbursement guarantee fee before the expected date of the reimbursement, the reimbursement guarantee fee is equivalent to one second.

1) Overview: Toyota City subsidizes part of the credit guarantee fee paid by city SMEs on eligible loans, to ease cash flow and revitalize commerce. Eligible loans: Aichi Small Enterprise Fund, Toyota Marutoyo, Economic Environment Adaptation Funds (Startup/Succession/Disaster), Safety Net No.2/No.4. Outline runs Apr 1, 2026 - Mar 31, 2027. 2) Eligibility: SMEs that borrowed eligible loans, with residence (head office) and business office in Toyota City, eligible for Aichi Credit Guarantee Association coverage, borrowed from one of 12 listed banks (MUFG, SMBC, Juroku, Mie Sanju, AICHI, Nagoya, Ogaki Kyoritsu, plus Okazaki/Hekikai/Toyota/Seto Shinkin, Hyakugo). Loan used in city, fee lump-sum paid, no tax arrears, no anti-social ties. 3) Expenses & content: Amount = lump-sum guarantee fee x eligible loan ratio ((A - B) / A, 2-decimal trunc). Sub-1000-yen trunc. Fees on rescheduled existing debt excluded. Succession applications need commercial registry copy, succession plan, officer roster, guarantee certificate, payment proof. 4) Rate, cap, schedule: 75% (100% for SDGs-Certified). Cap JPY 500,000/case. Use Form 4 (Succession) or Form 2 (SDGs) plus Appendix 3 docs, file within 14 days of borrowing (or 14 days of city-business confirmation for pre-startup). Lender bank may file; electronic submission allowed.

This Fukushima City subsidy reduces the burden of credit guarantee fees for SMEs utilizing credit guarantee associations. Small and medium-sized enterprises and small-scale business operators in Fukushima City who secure loans from financial institutions are eligible. The city subsidizes part or all of the guarantee fees, lowering capital procurement costs for businesses. Applicants must meet SME standards and maintain a business office in Fukushima Prefecture. This initiative supports equipment investment and working capital procurement, serving as a key industrial promotion measure for Fukushima City.

This is a subsidy program offered by Kesennuma City, Miyagi Prefecture, that provides interest rate subsidies on loans taken out by fishery-related businesses, based on actual interest payments made in fiscal year 2026. The program targets operators engaged in fisheries, seafood processing, distribution, and related industries in Kesennuma. The city reimburses interest costs paid during fiscal year 2026 for eligible loans, directly reducing the financial burden on aquatic product businesses. Eligibility requires being an active fishery-related business operator holding qualifying loans. As part of Kesennuma's aquatic industry promotion strategy, this measure alleviates debt service costs to support business continuity and expansion in the fishing sector.

1Business overview: The emergency support funding project for customs duty and high price counter、s is a system for the city operators who received the loan of "Emergency support fund for customs and high price counter、s" in the Hofu City Small and Medium Enterprise Fund Loan system. It is the purpose of improving business co ity by reducing the burden of small and medium-sized enterprises who receive financial repetition and management stability due to the Middle East situation, the U.S. customs value, and the rise in price. 2 Subjects: The target is a business that received loans of the target funds from May 1, 2019 to March 31, 2019. The main requirements are to have the main business in the city, complete city tax, and continue to 。 employees whose use of funds is not combined with facility funds, can confirm the impact of the Middle East situation, and continue to 。. In addition to the general funding program, the loan system also confirms that it is a small company who continues to conduct business activities in the city for more than a year. 3Subsidy Exp。s and Subsidies: The subsidy is the interest to pay within the set period of the fund. The replenishment amount is the amount of interest pertaining to the set-up period, and the replenishment fee is required annually. When applying, a copy of the grant application form, a financial consumption loan agreement, a copy of the repayment schedule issued by the financial institution, a copy of the original interest payment certificate or booklet, and a certificate of absence of city tax. The company requires a certificate of all historical matters, and an individual needs a certificate of residence and a blue declaration statement. 4 Points of auxiliary rate, upper limit, schedule, and application: The auxiliary rate is 100% of the amount equivalent to interest. The loan limit is 15 million yen, the loan interest rate is 1.4% within 5 years, and 1.5% for more than 5 years. For this reason, the theory of interest s

1) Overview: Toyota City subsidizes part of the credit guarantee fee (paid lump-sum to the Aichi Credit Guarantee Association) that local SMEs incur when borrowing eligible working-capital loans, in order to support cash flow and revitalize commerce. Seven loan categories qualify: Small Business Promotion Loan, Toyota City Commerce/Industry Business Loan, Economic Environment Adaptation Loans (Startup, Succession, Disaster), and Safety-Net Category 2 & 4 designated loans. 2) Eligible Recipients: SMEs whose address (head-office for corporations) and business establishment are both in Toyota City, that are guarantee-eligible at the Aichi Credit Guarantee Association, and that borrowed from one of the 12 designated lenders (MUFG, SMBC, Juroku, San-ju-San, Aichi, Nagoya, Ogaki Kyoritsu, Hyakugo, Okazaki Shinkin, Hekikai Shinkin, Toyota Shinkin, Seto Shinkin). All 13 conditions must be met, including no organized-crime ties, in-city use of funds, lump-sum guarantee-fee payment, and no Toyota City tax delinquency. 3) Eligible Expense / Content: The eligible expense is the lump-sum credit guarantee fee. The subsidy equals the fee multiplied by the eligible-loan ratio (= (Loan A − Refinance B) / A, truncated to 2 decimals) — yielding the eligible base E — then multiplied by the subsidy rate. Guarantee fees on grace-period restructuring of existing debt are excluded. Forms 1–7 correspond to each loan category; SDGs-certified businesses use Form 2. 4) Rate / Cap / Schedule / Application Tips: Standard rate is 75% (100% for Toyota City SDGs-certified businesses); cap is JPY 500,000 per case (truncated to nearest 1,000 yen). Applications go to the Mayor within 14 days of disbursement, using Form 1–7 plus Appendix-3 attachments (lump-sum payment proof, guarantee certificate copy, refinance evidence, officer roster, SDGs certificate if applicable). Electronic and lender-proxy submission allowed. Current ordinance: effective 2026-04-01, sunsets 2027-03-31.

(1) Overview: Under the Toyota City Credit Guarantee Fee Subsidy Ordinance (effective April 1, 2026), Toyota City partially reimburses the lump-sum credit guarantee fee paid by in-city SMEs that borrow designated loan facilities backed by the Aichi Credit Guarantee Association. Covered loans include the Small Business Promotion Loan, Toyota City Commerce & Industry Business Loan, Economic Environment Adaptation Loans (Start-up Support / Business Succession / Disaster Response), and Safety-Net No.2 / No.4 certification-related loans, aiming to strengthen the working capital of local commerce and industry. (2) Eligibility: Applicants must be SMEs with their address (or HQ for corporations) and a place of business in Toyota City, qualified for guarantees by the Aichi Credit Guarantee Association, and must have borrowed an eligible facility from one of the designated financial institutions (MUFG, SMBC, Juroku, Sanju-San, Aichi, Nagoya, Ogaki-Kyoritsu, Hyakugo banks, and the Okazaki, Hekikai, Toyota, Seto shinkin banks), use the funds within the city, pay the guarantee fee in lump sum, have no Toyota City tax arrears, and meet all 13 conditions in Article 4 including anti-organized-crime requirements. (3) Eligible expenses and benefits: The subsidy applies to the lump-sum credit guarantee fee. The subsidy-eligible portion equals the guarantee fee multiplied by the Eligible Loan Ratio = (loan amount - refinanced amount) / loan amount (rounded down to two decimal places). Fees relating to deferred repayment of pre-existing debt are excluded. Applications use Forms 1-7 (depending on loan category), attaching the lump-sum payment proof, credit guarantee certificate copy, refinance documentation, list of officers, start-up plan, succession plan, recommendation by the Chamber of Commerce / Society of Commerce and Industry, or Toyota City SDGs Certificate as applicable. (4) Rate, cap, schedule, application points: Standard subsidy rate is 75%; Toyota City SDGs-certified businesses receive 100%. The cap is JPY 500,000 per case (rounded down to the nearest 1,000 yen). The application deadline is strict: within 14 days of the loan disbursement date (or within 14 days of in-city business confirmation if borrowed pre-launch). A handling financial institution may file on behalf of the applicant. The ordinance runs from April 1, 2026 to March 31, 2027, and electronic filing through Toyota City's e-government system is permitted.

This support program aims to alleviate cash flow difficulties for SMEs affected by Middle East tensions, including rising crude oil prices and supply chain disruptions. Eligible applicants are SMEs under the Small and Medium Enterprise Basic Law (manufacturing/construction/transport: capital ≤3 billion yen or employees ≤300; wholesale/retail/services: lower thresholds) experiencing sales decline or increased material costs due to regional tensions. Primary support mechanisms include zero-interest, unsecured loans or emergency credit facilities to improve liquidity; specific loan limits and rates require verification at application. Applicants must demonstrate objective deterioration in management through sales decline history or debt restructuring track records. Early consultation with financial institutions or chambers of commerce is critical as application deadlines may be limited.

This is a financing program for small-scale commercial and industrial operators in Akashi Town, aimed at supporting equipment investment and strengthening the business foundation of local operators. Eligible applicants include small business operators located in Akashi Town (typically 5 or fewer employees in commerce/service, 20 or fewer in manufacturing). The program provides financing for equipment investment such as machinery, building renovations, and fixtures through financial institutions. Continuation of business operations and maintenance of employment in Akashi Town are typically required conditions, with town approval necessary. Loan interest rates and repayment periods are determined through consultation between the town and financial institutions, making early consultation with the town office and chamber of commerce critical.

事業概要：多気町が、町内の商工事業者および町内で創業する人の資金調達負担を軽減するために設けた利子補給制度です。対象となる融資を受けた場合に、その融資に係る支払済利子の一部を補給し、資金調達の円滑化と町内経済の発展を支援します。公式ページは2026年6月8日に更新され、担当窓口は多気町商工観光課商工観光係です。 対象者：対象となるのは、主たる事業所および営業所を多気町内に有する、または設置しようとする事業者です。交付対象資金の融資を受け、その返済を遅滞なく行い、町税を滞納していないことが必要です。創業・再挑戦アシスト資金および新企業育成資金では、令和3年4月1日以降で、創業前または創業後1年以内に融資を受けた者が対象とされています。 補助対象経費・補助内容：補助対象は融資元本ではなく、対象期間に支払った利子です。対象期間は、融資に係る最初の約定償還日の属する月から起算して1年以内で、延滞利子は補助対象外です。対象融資は、三重県中小企業融資制度の小規模事業資金、みえ経営向上支援資金、創業・再挑戦アシスト資金、日本政策金融公庫融資制度の小規模事業者経営改善資金、生活衛生関係営業経営改善資金、新規開業・スタートアップ支援資金、再挑戦支援資金、新事業活動促進資金、経営環境変化対応資金などです。 補助率・上限・スケジュール・申請のポイント：補助金額は対象期間における支払済利子の全額で、上限は200,000円です。この金額は利子補給補助金の上限であり、申請書に記入する借入金額は融資元本なので、補助額の上限とは区別します。要綱は令和8年4月30日から施行され、令和8年4月1日以降の対象資金の融資が要件として示されています。固定の申請期限は資料内に明記されておらず、対象期間に係る利子の支払完了後、交付申請書と添付書類を提出し、交付決定後に請求書を速やかに提出します。

①事業概要：本件は、富士市が案内する「経済変動対策貸付」の中東情勢の変化による影響に関する融資要件緩和です。公式ページでは、中東情勢の変化による中小企業への影響を緩和するため、売上や粗利益が減少している中小企業者等の経営安定化に必要な設備資金・運転資金を金融機関が貸し付け、市が金融機関に対して利子補給金を交付する制度であると説明されています。これは直接の補助金交付ではなく、静岡県の制度融資に富士市が上乗せで利子補給を行う金融支援です。 ②対象者：対象の中心は、売上や粗利益が減少している中小企業者等です。ページ本文では富士市内要件の詳細までは展開されていませんが、制度は富士市の制度融資ページ配下で案内されており、関連する富士市の経済変動対策貸付資金ページでは、市内に主たる店舗、工場又は事業場を有する中小企業者等を前提とする制度として説明されています。中東情勢の変化による影響枠については、静岡県の制度融資ページで取扱期間や原油・原材料高騰の影響報告書等が示されているため、申込前に県・市双方の最新条件を確認する必要があります。 ③補助対象経費・補助内容：資金使途は、経営安定化のために必要な設備資金・運転資金です。富士市のページは、貸付を実行した金融機関に対し利子補給金を交付する仕組みを示しており、事業者に直接交付される補助金上限額は記載されていません。関連する静岡県の制度融資ページでは融資限度額5,000万円が示されていますが、これは貸付元本の限度であり、補助金額そのものではないため、amount_maxはnullとし、融資限度額は参考情報として扱います。 ④補助率・上限・スケジュール・申請のポイント：トップページの告知は、令和8年5月1日から中東情勢の変化による影響の場合の新規受付・要件緩和を開始する内容です。prepared raw.txtの公式ページには、固定の申請期限または受付終了日は記載されていません。富士市ページでは現行の経済変動対策貸付も引き続き利用できるとされており、申込時には取扱金融機関、富士市産業支援課、静岡県制度融資の案内を突き合わせ、必要書類と対象要件を確認することが重要です。

小鹿野町が、物価高騰の影響により緊急に運転資金等を必要とする事業者を支援するため、金融機関と連携して実施する特別融資・利子補給関連の制度です。低金利で手続きが簡単な特別融資として案内されており、国の重点支援地方交付金活用事業としてチラシにも掲載されています。 対象は、小鹿野町内に店舗、工場、事業所、または農業用施設（圃場を含む）を有する中小企業者、農業者、起業予定者（就農予定者を含む）で、町税を完納している方です。取扱金融機関として、埼玉りそな銀行、武蔵野銀行、埼玉信用組合、埼玉縣信用金庫、足利銀行、ちちぶ農業協同組合の町内・近隣支店等が示されています。 資金使途は運転資金・設備資金で、融資限度額は両資金を合わせて1,000万円ですが、これは借入元本の上限であり、補助金額の上限ではありません。利率は、融資実行時の長期プライムレートから1％を引いた利率とされ、長期プライムレートが2％未満の場合は2分の1の利率となります。融資期間は運転資金が7年以内、設備資金が10年以内で、いずれも据置6か月以内です。 申込みは取扱金融機関を通じて商工観光課で受け付けます。受付期間は、予算がなくなり次第、令和8年度の申請受付を終了するとされており、固定の申請締切日は示されていません。同時に複数の金融機関へ申請することはできず、利用者の借入金返済予定および実績について町が金融機関へ照会する点にも注意が必要です。

枝幸町が、中小企業の経営安定化を図るため、町の中小企業振興資金を指定金融機関から借り入れた事業者に対して、借入利息の一部と信用保証料を支援する制度です。 対象は、町内に住所を有する対象業種の商工会員又は会員になることを確約した事業者で、中小企業振興資金として金融機関から運転資金又は設備資金の融資を受ける方です。 融資枠は運転資金500万円以内、事業協同組合及び企業組合は700万円以内、設備資金700万円以内です。補助内容は利子の一部（貸付利率に1/3を乗じた率、年2％以内）と保証料全額（保証料率1.6％以内）です。 公式ページに固定の募集締切は明記されていません。申請には交付申請書、納税証明願、融資保証料及び利子額が分かる書類が必要で、申請先は枝幸町商工会です。

This program reduces interest burden for small and medium-sized enterprises (SMEs) in Izumi City when obtaining loans from financial institutions, aimed at revitalizing the local economy and stabilizing business management. Eligible applicants include SMEs with business offices in Izumi City (manufacturing: capital ≤300 million JPY or ≤300 employees; commerce/services: capital ≤50 million JPY or ≤100 employees). The city subsidizes a portion of interest paid on loans from financial institutions, effectively lowering the interest rate burden (specific subsidy rates and caps should be confirmed at application). Key requirements include ongoing business operations within Izumi City and loan approval from a financial institution. Since applications are made after loan execution, confirming program details before borrowing and consulting with the financial institution is essential.

(1) Overview The Okazaki City Startup Loan Interest Subsidy supports new entrepreneurs and recently founded SMEs based in Okazaki City by subsidising a portion of interest paid on startup loans extended by the Japan Finance Corporation (JFC). The programme aims to promote new business creation and revitalise local commerce and industry. The ordinance was established on 1 April 2014, most recently amended on 1 April 2026, and expires on 31 March 2028. (2) Eligible Applicants Applicants must be SMEs as defined in Article 2(1) of the Small and Medium Enterprise Credit Insurance Act who have maintained a residence or head office and a principal place of business within Okazaki City continuously from the loan date until the application date. They must (i) be newly starting business or be within 5 years of opening, (ii) become the representative of any newly established company, (iii) hold the necessary management resources, (iv) hold or be certain to obtain required licences, and (v) have no municipal tax delinquency. Only one application per fiscal year is permitted. (3) Eligible Expenses and Content Eligible expenses are interest payments on JFC startup loans under New Enterprise Development Loan, General Loan, Sanitation Industry Loan, Business Vitalisation Loan, Marukei Loan (small business management improvement loan), or Challenge Support Capital Strengthening Special Loan. Up to six consecutive interest payments starting from the second payment after disbursement are subsidised. Interest on passenger vehicles for ten or fewer occupants, vehicles registered under a different name, or equipment installed outside the city is excluded. (4) Rate, Cap, Schedule & Process The subsidy is 45% of eligible interest (raised to 60% for businesses certified under the Okazaki Diverse Working Style "With Certification" scheme), capped at JPY 200,000, with amounts under JPY 1,000 rounded down. Applicants must submit the application form to the Mayor before the relevant interest payment date, attaching a startup plan or business registration, proof of borrowing, payment detail statement, tax clearance certificate, and other supporting documents, and submit a results report by fiscal year-end. Contact Okazaki City Commerce & Industry Division for details.

The制度zaki City Foundation Fund Guarantee Fee subsidy is a system that assists a part of the credit guarantee fee paid to the Aichi Prefecture Credit Guarantee Association when a small and medium-sized company founded in崎zaki city or a company that has not been established is borrowed from a bank or credit bank using the Aichi Prefectural Economic Environmental Adaptation Fund. It is not a loan system itself, it is a repayment-free security fee auxiliary that reduces the burden of the security fee required for borrowing, and aims to facilitate the smooth start-up financing and the promotion of the city business industry. The target is a small and medium-sized enterprise who has financed the foundation, etc., who has an address or head office in崎zaki City and has a main office or office in the city until the date of the loan is submitted and the date of the application and the actual report is submitted. When the company is established and established, the applicant becomes the representative of the company, if the individual or company intends to start business, it becomes a small business person in the city, having management resources related to the establishment, it is necessary to obtain or acquire in the industry where permission is required, and it is a requirement that there is no delay in the city tax etc. Auxiliary target is a credit guarantee fee for support funding for Aichi Prefecture’s economic and environmental adaptation funds. However, if the purchase of ordinary and small vehicles for home use, the name and address of the applicant and the vehicle user differs, the introduction of equipment installed outside the city is excluded. In the case of borrowing, divide the guarantee fee corresponding to the borrowing amount. The auxiliary amount is 45% of the guarantee fee, and if the arithmetic amount exceeds 200,000 yen, the maximum amount is 200,000 yen. Accordingly, the maximum subsidy limit to be displayed is 200,000 yen rather than 20 million yen. App

A local financing support program in Shin-Onsen Town, Hyogo Prefecture, that subsidizes interest payments on loans taken by small and medium-sized enterprises from financial institutions. Eligible applicants are SMEs and small-scale business operators with business locations in Shin-Onsen Town. The town subsidizes part or all of the interest on loans from financial institutions, reducing the financing costs for businesses. The loan purposes, subsidy period, subsidy rate, and other details are defined in the town's ordinance, with eligibility typically covering loans for business stabilization and expansion. For specific program details, eligibility criteria, and application procedures, consultation with Shin-Onsen Town's Commerce and Tourism Division is necessary.

1Business overview: The Ogori city’s new fund-raising support system is a system for the city to assist part of the payment interest when the person who intends to open a new business in Kogori city receives the necessary funds for the new business. On this page, "If you receive a loan for a new company, we will assist you for 12 months." 2 Subjects: T、 who have been financing since April 1, 2016 for the loan system targeted for new founders, and the time of financing and establishment must be increased. This website is intended for persons who have been financing within one year or who have been financing within one year after the establishment. It is necessary that the corporation has a business office in the city at the time of application for subsidy, the individual has an address and office in the city, and there is no市gnation such as city tax and national health insurance tax. 3Auxiliary expenses and auxiliary contents: Auxiliary interest is paid for the target loan. The application form contains a statement of interest on the payment interest in the application (Financial institution certificate), which proves the interest payment period, interest payment amount, loan total, loan type, loan interest rate, and loan period. A copy of the application form, a certificate without delay, a commercial registration book for a corporation, and a copy of the certificate of residence for an individual. 4Auxiliary rate, upper limit, schedule, and application points: Auxiliary amount is 12 months, and the upper limit is 150,000 yen. The period is up to 12 months from the date of the first reimbursement, or until the month of which the loan has completed reimbursement. The application deadline is not fixed date, and the application form and the required documents will be submitted within three months. It is an auxiliary to determine the budget, and it is important to contact the Commerce and Tourism Division after the loan decision.