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Money & banking

Can I get a business loan without personal guarantee as a foreigner in Japan?

DEPENDS

For 'get a business loan without personal guarantee as a foreigner in Japan', eligibility is determined by the regulated provider's onboarding/product rules, identity and residence checks, AML controls and any tax restrictions. A general FSA framework does not guarantee that a particular bank or payment provider will approve the account or transaction.

VerifiedPrimary framework reviewedLast checked: V2.5 framework reviewed

What you need to know

Requirements & exceptions
  • Provider underwriting is discretionary.
  • Cross-border transactions can require enhanced checks.
Documents
  • Identity/residence documents
  • Income/credit/source-of-funds evidence
Likely cost
Provider-specific interest, fees, FX spreads and transaction charges.
Where to act
Relevant regulated bank, lender, securities firm or crypto exchange.
Official sources
Consumer Contract ActConsumer Affairs Agency · Official sourceFinancial Services Agency — Financial Services in JapanGovernment of Japan · Official source

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