Tokyo Broadens SME Overseas Support for FY2026 With Applications Now Open

Overview

• Tokyo now includes small and mid-size firms already using the municipal system loan, with applications accepted through designated lenders under the FY2026 rules and SMRJ taking direct filings.
• Banks will work with JETRO, Shinkin Central Bank, SMRJ, and the Tokyo SME Promotion Corporation to guide market research, business talks, financing, and on-the-ground rollout.
• Credit guarantee fees for the overseas support loan now receive a one-half subsidy for all enterprises, expanding past the prior limit that only covered very small firms.
• FY2026 upgrades add targeted loan tracks that expand the policy-issue fund, promote banks’ own lending alongside guarantee-backed loans, enlarge overseas support, and strengthen the Phoenix recovery package.
• Fixed-rate upper limits across all menus rise by 0.25 percentage points in response to national policy rate changes.