Can Foreigners Borrow Business Funds in Japan?

【Koshida Accounting Firm Column Date:

Hi, my name is Taisei Koshida, and I am a certified public accountant and tax accountant.


I aim to assist non-Japanese business owners who need help with reading or writing in Japanese. If you find the Japanese tax return system challenging, I can help you with your tax filings.


If you are unclear about borrowing business funds in Japan, you might find this blog helpful.




Though there are hurdles, foreigners can indeed borrow business funds in Japan.


Japan Finance Corporation

The Japan Finance Corporation is a Japanese national organization, therefore it’s easier to borrow from compared to private banks. However, you should pay attention to the following.

・Repayment Within The Residency Period

If you’re staying with a management visa, you need to repay within your residency period.


・Creating A Business Plan In Japanese

A business plan in Japanese is required when applying for a loan.


Private Banks

Borrowing business funds from private banks can be challenging for foreigners unless you can demonstrate stable roots in Japan, such as having Japanese nationality.



Our accounting firm has been actively assisting foreign business owners in Japan with accounting and tax matters. Please feel free to contact us through the inquiry form.