- *1 Prior screening is required for use.
- *2 Generally not required, but may be requested depending on the review process.
What is a "Franchise Support Loan"?
This is an online lending service exclusively for SB Payment Service (SBPS) merchants, offering optimal terms based on your merchant payment sales data.
We will send individual notification emails to participating merchants who meet the usage requirements.
"Merchant Support Loan" Explained in 1 Minute
Loan Application Process
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STEP
01
account
RegistrationYou will register for an account via the email you receive from SBPS.
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STEP
02
Loan application
By submitting identification documents and entering necessary information such as your desired loan amount, your loan application will be complete.
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STEP
03
Presentation of Review Results
After applying for a loan, we will notify you of the results of the review within as little as one business day.
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STEP
04
Contract and payment
After completing the online contract process, we will process your payment within a minimum of 3 business days.
Do you have any of these concerns?
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I need a small amount of money temporarily.
But bank loans take time... -
Sales are going well. But depending on the timing, I'm worried about having enough cash on hand...
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I want to pay it off as soon as I have the means.
SB Payment Service
Leave it to us
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Submission of financial statements / In-person visits and meetings are generally not required!
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Depending on your usage of PSP, we can provide unsecured loans of up to 30 million yen.
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Flexible repayment options are available!
No early repayment fee is required.
Service overview
| Loan eligibility |
Merchants (corporations) using SBPS's PSP service |
|---|---|
| Use of funds |
business funds *However, speculative funds and uses that violate public order and morals are excluded. |
| Loan limit |
500,000 yen to 30,000,000 yen |
| Loan interest rate (effective annual rate) |
1.5 % to 15.0% per year |
| Late payment penalty (effective annual rate) |
20.0% per year |
| Repayment method |
Equal principal payments or lump-sum payment on maturity date *Lump-sum repayment on due date means that you only pay interest during the repayment period, and the principal is repaid in a lump sum on the due date. |
| Repayment period/number of installments |
Equal principal repayment: within 1 year (maximum 12 installments) |
| collateral |
Unnecessary |
| Guarantee company |
SB Payment Service Corp. |
| Repayment method |
Repayment by bank transfer or deduction from sales revenue. *Please note that repayment via deduction from sales revenue may not be available depending on the circumstances. |
| Required documents |
Corporate registration certificate, identification documents of the representative, etc. *Further details will be provided upon application. Depending on the review process, you may be asked to submit additional documents. |
- The Merchant Support Loan is a product offered by IT Realize Co., Ltd. (ITR), and details such as loan terms are determined by ITR.
Loan conditions are here. - SB Payment Service Corp. (SBPS) acts as an agent, providing product information and handling applications, as well as conducting guarantee assessments.
- Please note that the final decision regarding loan approval or rejection, as well as the disbursement of the loan, will be made by ITR based on ITR's assessment results.
Repayment simulation
FAQ
-
Q
Are there any eligibility requirements for the "Merchant Support Loan"?
AThis offer is for customers who meet all of the following conditions.
• Merchants using SB Payment Service's PSP service
• Corporations (sole proprietors are not eligible)
*In addition to the above, a separate screening process is required for use. -
Q
Please tell me what documents are required for the application.
ACorporate registration certificate (certificate of all registered matters) and identification documents of the representative (driver's license, passport, etc.)
*Further details will be provided upon application. Depending on the review process, you may be asked to submit additional documents. -
Q
Please tell me how to repay the debt.
AYou can choose from the following two methods.
• Bank transfer
Please submit a direct debit authorization form, and the payment will be automatically debited from the designated account.
• Sales deduction
The monthly deduction will be made from the sales PSP based on the MID and SID listed in the offer email.
*You do not need to submit a direct debit authorization form.
Merchant Support Loans are an online lending service provided to merchants who use PSP services from SB Payment Service Corp., Ltd. (SBPS).
Please review the loan terms and conditions and use the funds responsibly.
SBPS acts as an agent for I.T. Realize Co., Ltd. (ITR) regarding its lending business, providing product information and handling applications, as well as acting as a guarantee company and conducting guarantee screenings.
Please note that ITR will be responsible for providing the final review results, including whether or not the loan will be approved, and for disbursing the loan.
Lending agency: SB Payment Service Corp.
Lender: IT Realize Co., Ltd.
(Registration number: Tokyo Metropolitan Governor (1) No. 32054)
Designated dispute resolution organization for lending operations
Japan Lending Industry Association Lending Consultation and Dispute Resolution Center
03-5739-3861 (Reception hours: 9:00 AM - 5:00 PM. Closed: Saturdays, Sundays, national holidays, and New Year holidays)
If you are considering our services, please feel free to contact us.