Struggling to Get a Japanese Bank to Say Yes to Your Startup?
Whether you're expanding or just trying to keep the business alive, what you need is the same: funding a Japanese bank will approve. HAKATAYA is run by a government-certified SME Management Consultant who builds bank-ready business plans for foreign founders in English and Japanese, then handles the paperwork.
30-minute video call, no cost, no obligation — we'll map out your funding options together.
English-Speaking Hub
Direct, clear communication with no language barrier for foreign founders.
Tokyo Specialist Partner Network
Certified accounting, tax, and legal execution fulfilled by trusted local firms.
End-to-End Concierge Support
From company incorporation and business bank setup to office leases and visas.
Loan approval rate (JFC & bank financing, 20 business plans)
Bilingual business plans written
Accounting & startup finance experience
Government-certified SME Management Consultant
Past results don't guarantee future loan approval.
Why Japanese banks say no to foreign founders — and how we fix it
For foreign entrepreneurs starting a business in Japan, knowing what documents to prepare and where to submit them is often the first bottleneck. Drawing on our extensive experience, we support founders from the earliest stages.
We help you build the commercial credit footprint Japanese banks and card issuers expect — securing early lease guarantees, corporate cards, and financing eligibility even with no domestic credit history.
We accompany you to bank meetings and manage all Japanese-language documentation and interviews directly, so language is never the reason your financing application is rejected.
We structure your business plan and financial projections specifically for JFC and private bank underwriting criteria, giving your loan application the strongest possible chance of approval.
We manage the Qualified Invoice System, social insurance filings, and bilingual tax documentation on your behalf — so your energy stays on securing financing and growing the business.
What We Do
Funding & Business Plan Advisory
Bilingual business plans, JFC and bank loan applications, and interview coaching — prepared by a government-certified SME Management Consultant.
Company Setup & Banking
Company incorporation (KK/GK), corporate bank accounts, and office leasing support, coordinated in English.
Accounting & Tax
Bookkeeping, monthly closing, and cash-flow management so your numbers are always lender-ready.
From First Call to Funding in About 2–3 Months
Free Consultation
Readiness Diagnosis
Bilingual Business Plan
Application & Interview
Funding
Free Consultation
Readiness Diagnosis
Bilingual Business Plan
Application & Interview
Funding
Transparent pricing — diagnosis from ¥33,000. Total loan-support fees never exceed 5% of your loan.
Meet Your Advisor
Shinobu Nagayoshi, Founder & SME Management Consultant
I studied in Australia and know what it's like to build a life in a country that isn't your own. For 15 years, I've helped startups and small businesses in Japan get their numbers right. Now I help foreign founders get the funding they need — in English, with honest advice from day one.
Frequently Asked Questions
Ready to Talk About Your Funding?
Free 30-minute consultation in English. No cost, no obligation — we'll map out your funding options together.
HAKATAYA acts as your English-speaking concierge in Japan, bridging foreign founders with trusted accounting and legal experts.
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Core Services
HAKATAYA Inc. | Serving founders in Tokyo and across Japan | Corporate No. 3290001078517