TokyoMezzanineFunds Inc.一般財団法人 東京メザニン基金

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Financing support service

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By looking at the behaviors of financial institutions,
we act with great foresight to make quick funding possible
and support growth of your business.

Banks are not interested in mortgages or transaction histories.

A sound business strategy with high future prospects is the key to get a bank loan approved. Neither the availability of mortgages nor past transaction histories have any influence on creditworthiness. Businesses with low bankruptcy risk and high future prospects are more likely to get a loan approved. Banks are interested in companies with high growth potential and interesting business plans. After the company has applied for a loan, the best loan program will be proposed amongst 4 different types.

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Bill Discounting

The company bills are bought by the bank. Bill discounting is optimal for short-term borrowing because settlement period is short.

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Promissory Note

The company draws a promissory note and the bank lends money to the company. This type of loan is simple and convenient because of cheap stamp taxes but financing period is within 1 year.

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Overdraft

With its "overdraft contract", the company is allowed withdrawing money even when the account has no funds in it. An overdraft is ideal for long-term financing.

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Term Loan

Term loans are set for a long period of time. The company fills out a form called "loan agreement" and sets the details about amount, date of borrowing, repayment method, interest rate and other conditions.

≪The Financial Institution's "Request for Decision" Screening Process Flowchart≫

Proposal for approval request→Section chief/assistant branch chief→District manager (if request for decision is processed in the headquarter: credit officer → senior credit officer → credit manager)→Financing


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