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We begin by asking about the purpose of obtaining the loan. If it is for initial costs related to real estate such as an office or store, interior construction, or the purchase of a vehicle, we will consider to what extent these can be covered as capital investment.

Even when there is no specific use of funds, some people simply want to maintain a comfortable cash balance. In that case, we will assess how much working capital financing might be available.

Some may even wonder whether they should take out a loan in the first place. For those situations, we explain the advantages and disadvantages of borrowing, taking into account the future outlook of the business.

For small and medium-sized enterprises, the choice of financial institution generally comes down to two categories: the Japan Finance Corporation and other institutions such as banks or credit unions. Let’s consider together which institution would be the most appropriate to approach first.

Once the decision to obtain financing has been made, we begin preparing the documents to be submitted to the bank.

This includes completing the loan application form, creating a business plan, and reviewing the most recent financial statements. We provide comprehensive support to ensure that the purpose of the loan is consistent and that the financial plan is feasible.

In addition, we help you prepare for meetings with financial institutions by anticipating commonly asked questions as well as those specific to your business, and we share these points with you in advance.

During meetings with financial institutions, our accounting office will generally attend and provide support for any questions that are difficult to answer from a financial perspective.

While some institutions may not allow our attendance, we remain on standby to respond to questions by phone or other means at any time.