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SME Loan System Guide

💡 The Bottom Line
This is a city-supported loan system that helps SMEs in Ota City borrow money for equipment or working capital at a low, fixed interest rate. Consult your local bank first!
🗓 5W1H Overview
👤 Who
SMEs and small businesses operating in Ota City
📋 What
Guidance and application for the city's low-interest loan system for SMEs
⏰ When
Accepted at any time (if you meet the requirements for each loan system)
📍 Where
City Hall Industrial Future Promotion Division (Advance consultation), Execution at each handling financial institution
❗ Why
To support the management stability and business development of SMEs
📝 How
Consult with the Industrial Future Promotion Division, receive a recommendation letter, and apply at the handling financial institution
⏱ Initial consultation: About 30-60 minutes / Until loan execution: About 1-2 months
📖 Easy Explanation

Borrow business funds at a low, fixed interest rate!

This is a system where Ota City collaborates with local financial institutions to provide loans to Small and Medium-sized Enterprises (SMEs) in the city at low, fixed interest rates. If you are looking for funds to purchase new equipment or need working capital, please consider using this system.

🏦 Where to apply?

You can consult and apply directly at the counters of financial institutions (banks, credit unions, etc.) located within Ota City. Note: Applications cannot be made from branches outside the city.

✅ Procedure

  1. First, consult with a local financial institution and tell them you want to use the "Ota City System Loan".
  2. Prepare the necessary documents requested by the bank (e.g., proof of no unpaid city taxes).
  3. An examination will be conducted by the financial institution and the Credit Guarantee Corporation.
✅ Checklist
  • Prescribed form. Download from the Ota City official website or pick up at city hall.
    Required
  • A plan describing the purpose of funds, repayment plan, and business outlook.
    Required
  • Income statement, balance sheet for the most recent 2–3 fiscal years.
    Required
  • Certificate confirming payment of city taxes (issued within the last 3 months).
    Required
  • Required for corporation applications. Not required for sole proprietors.
    Required
  • Driver's license, My Number Card, or other government-issued ID.
    Required
📜 Show Original Text
制度融資 市と金融機関が協調し、市が融資の利率や期間を定めて、融資原資の一部を預託することで、金融機関が 低利（固定金利） な資金を融資するものです。 利用希望の方は市内の金融機関へご相談ください。 申請の流れはフローチャートをご確認ください。 申請フローチャート ※市外にある金融機関の本支店からは申込みできません。 また太田市制度融資の各制度につきましては、融資一覧、パンフレットをご覧ください。 太田市制度融資一覧 太田市制度融資ガイドブック 確認書類 金融機関の案内により下記の書類が必要になった場合はご利用ください。 太田市税等照合票(制度融資用) 申請者が太田市における市税の滞納がないことを証明する書類になります。 必要事項を記入の上、太田市役所2階収納課窓口までお持ちください。 市税等の調査閲覧同意書 融資が適正か確認するため固定資産台帳等の税情報を確認することへの同意書になります。 暴力団排除に関する誓約書 暴力団への関与、関連がないかの誓約書になります。 金融機関向け様式 小口資金 小口資金設備設置完了報告書 設備近代化資金 受付表 申請書 融資報告書 設置報告書 経営安定資金 受付表 申請書 報告書 季節資金 申請書 報告書 ※金融機関からの報告は毎月10日までにお願いします。 受付表（保証付） 中小企業季節資金融資のご案内 小口資金条件変更 申請窓口は太田商工会議所になります。条件変更報告書は太田市に提出になります。 条件変更受付表 ：申請時に添えて提出してください。 その他資金（設備近代化資金・経営安定資金・季節資金（保証有））条件変更 申請窓口は太田市役所になります。条件変更報告書は太田市に提出になります。 条件変更受付表兼申請書 ：申請時に添えて提出してください。 条件変更報告書 制度融資変更報告書 ：条件変更完了後に必ず提出してください。
👥 Who Qualifies
  • SMEs operating in Ota City
  • Business owners seeking low-interest financing
❓ FAQ
How does Ota City's SME Loan System differ from bank loans?
Because the city subsidizes part of the credit guarantee fee, you may be able to borrow under more favorable conditions than regular bank loans. However, there is a screening, and a loan is not guaranteed.
What kind of businesses can use it?
It targets SMEs and sole proprietors whose main office is in Ota City. There are industry and sales scale requirements, so please consult with the Industrial Policy Division or Chamber of Commerce first.
What is the maximum loan amount?
It varies depending on the system (generally millions to tens of millions of yen). Check the latest details with the City's Industrial Policy Division or website.
How many days does it take from application to loan execution?
It usually takes about 1-2 months.
📎 Related Procedures
🏢 Startup Support Certificate Issuance → 🏢 Application for Safety Net Guarantee No. 2 Certification → 💰 US Tariff Countermeasure Support Measures → 🏢 Safety Net Guarantee No. 5 Certification → 🏢 Business Succession Support Center →

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