Support for SMEs Affected by Heavy Rain Since August 27, 2026

The Ministry of Economy, Trade and Industry will provide support measures for disaster-affected small and medium-sized enterprises and small business operators in light of the Disaster Relief Act applying to eight municipalities in Toyama and Ishikawa prefectures following the disaster caused by heavy rain since August 27, 2026.

The areas covered are Takaoka, Himi, Oyabe, and Imizu cities in Toyama Prefecture, and Hakui City, Shika Town, Hodatsushimizu Town, and Nakanoto Town in Ishikawa Prefecture.

Disaster-affected small and medium-sized enterprises and small business operators will have access to support for consultations, loans for working capital and equipment funds, credit guarantees, repayment deferrals for existing debt, and loans for Small Enterprise Mutual Aid contract holders.

Special consultation services will be established at the Japan Finance Corporation, Shoko Chukin Bank, credit guarantee associations, chambers of commerce and industry, and other relevant organizations, as well as at the Chubu Bureau of Economy, Trade and Industry.

The Japan Finance Corporation and Shoko Chukin Bank will provide disaster recovery loans and other financing for working capital or equipment funds to affected business operators.

Safety-Net Guarantee No. 4, which guarantees 100 percent of the loan amount within a separate limit from the general guarantee, will apply to business operators whose sales and other figures have declined. Credit guarantee associations will begin advance consultations before the areas are officially designated in the Official Gazette.

The Japan Finance Corporation, Shoko Chukin Bank, and credit guarantee associations will be requested to make changes to the terms of existing debt, including repayment deferrals, expedite lending procedures, and apply flexible collateral requirements according to actual circumstances.

Affected Small Enterprise Mutual Aid contract holders will be eligible for disaster loans, under which the Organization for Small and Medium Enterprises and Regional Innovation provides low-interest financing generally on the same day.