[Toyota City] SME Working Capital Support Program (Credit Guarantee Fee Subsidy)

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.