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General Regional Improvement Capital Loan Program (Furusato financing)

overview

Interest-free loans provided by the prefecture or municipality for private business activities that contribute to regional development.

Applicable expenses

Expenses for the acquisition of facilities and other purposes.

Applicable entities

Private business corporations (including 3rd sector entities)

Primary requirements

  1. The business must be run from perspectives such as public benefit and reasonable business profitability.
  2. Business expenses toward which the loan is applicable: 250M yen or greater.
  3. New employees (10 or more [5 or more in municipalities])

Loan amount

Up to 45% of applicable expenses after subsidy deductions for eligible businesses.
(Upper limit: Prefectural loan: 6.75 billion yen, Municipal loan: 1.68 billion yen) (Upper limits have been raised for regions that were affected by the Great East Japan Earthquake. Effective until March 31, 2021.)

Loan period (repayment period)

No longer than 15 years (of which the program period is to be no longer than 5 years)

Repayment method

Repayment by equal principle semi-annual installments

Security

Joint guarantee cosigned by a private financial institution and a guarantee fee are required.

Contact

Local Policy Planning Division, Planning and Coordination Department, Fukushima Prefectural Government
TEL:024-521-7119
URL:http://www.pref.fukushima.lg.jp/sec/11025a/furusato.html

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