[Tokai City] Credit Guarantee Fee Subsidy for Small Business Promotion Fund and Related Loans

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).