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Foreign residents and business loans
In Japan, regional banks and 信用金庫 (shinkin banks, cooperative financial institutions rooted in their local area) are the usual lenders for small local businesses. They ask for a business plan, the applicant's own funds, and the repayment period, and they consider the applicant's circumstances. For foreign residents, the remaining period of stay on their residence status is often a factor: lenders may hesitate if a loan term runs beyond the current permission to stay, and permanent residents generally find borrowing easier. Many start small, using savings and local start-up subsidies, and seek larger loans once they have a track record. Public lenders such as the Japan Finance Corporation also run start-up loan programs. The grammar of this lesson is the grammar of polite refusal and conditions at a bank counter: かねる, ないことには, ずとも, ことなしに and 上で.