Guarantee Partnership for Business Loans to Medium and Small Enterprises
Mizuho Bank and ORIX Corporation have concluded a basic guarantee agreement for unsecured business loans targeting medium and small enterprises. New business loans with ORIX guarantees are scheduled to begin on May 1, 2025.
The focus will be on companies with sales of 5 billion yen or less, with 30,000 to 40,000 companies eligible. Unsecured loans will be provided for working capital and equipment funds up to a maximum of 5 million to 100 million yen.
Mizuho Bank has set "Strengthening the Competitiveness of Japanese Companies" as a strategic theme for corporate transactions. In order to provide the continuous and stable growth capital necessary to support medium and small enterprises that form the foundation of the Japanese economy, Mizuho has decided to start offering unsecured business loans with guarantees in collaboration with ORIX. As business expansion and growth paths for medium and small enterprises become more diversified and sophisticated, Mizuho Bank will respond flexibly and promptly to their funding needs, thereby strengthening its commitment to the development of the overall Japanese economy.
ORIX began providing guarantees for financial institutions' unsecured business loans in 2003 and has a track record of guaranteeing over 200,000 loans. Based on over 20 years of business experience, ORIX has developed proprietary screening methods that appropriately and quickly assess business continuity and creditworthiness of medium and small enterprises, along with risk management systems for guaranteed loans through continuous monitoring and analysis. This enables ORIX to offer flexible guarantee fee rates and large guarantee amounts with strong market appeal.
Through this partnership, ORIX's screening and monitoring functions will be made available to Mizuho Bank's medium and small enterprise customers, enabling a more dynamic system for supplying growth capital.
Mizuho Bank and ORIX will continue to contribute to solving financing challenges and providing management support for medium and small enterprises.
