How to Get a Business Loan in Japan (Even with No Credit History)
In this article, you will learn how to get a business loan in Japan. Whether you’re a startup or a new business, the Japan Finance Corporation (JFC) offers financial support to help get your business off the ground.
What Is the Japan Finance Corporation?
The Japan Finance Corporation (JFC) is a policy-based financial institution wholly owned by the Japanese government. It was created to serve the public interest through financial services.
JFC is not a private bank—it operates as an arm of public policy to promote inclusive and sustainable economic development.
Among other services, JFC provides loans to:
- New businesses with no credit history
- Businesses in rural or underserved areas
- Sectors considered risky by private financial institutions
How to Contact JFC
General Inquiries & Consultations
Business-funding consultation hotline (事業資金相談ダイヤル):
Ph: 0120‑154‑505
Hours: Weekdays, 9:00 AM – 5:00 PM
This voice-guided hotline offers support for startups, small and medium-sized enterprises (SMEs), agricultural businesses, and individual entrepreneurs.
Educational Loan Inquiries
Hello Call (ハローコール):
Ph: 0570‑008656
Hours: Weekdays, 9:00 AM – 7:00 PM (excluding weekends and holidays)
Visiting a JFC Branch
JFC has 152 domestic branch offices across Japan, covering all prefectures. You can visit the nearest branch for in-person consultations or to apply for a loan.
- Hours: Weekdays, 9:00 AM – 5:00 PM
- Note: Some branches may require an appointment.
If you’re unsure which branch serves your area, the general consultation hotline (0120‑154‑505) can help direct you.
🔗 For more information, visit:
https://www.jfc.go.jp/n/english/
Important Note:
Inquiries about business loans or financial services must be made in Japanese. Currently, no English-language support is listed on JFC’s official Japanese website.
