Kanagawa Credit Guarantee Association

What Kanagawa Credit Guarantee Association does

Kanagawa Credit Guarantee Association (神奈川県信用保証協会) is a public-purpose credit guarantee corporation established under the Credit Guarantee Association Act of 1953 (Law No. 196), originally founded in 1948. It acts as an official public guarantor for business loans extended by partner financial institutions to small and medium enterprises (SMEs) in Kanagawa Prefecture, Japan. The association underwrites guarantee risk on behalf of lenders, enabling SMEs to access financing that they could not otherwise obtain due to insufficient collateral or guarantees. It holds ¥656 billion in basic property and ¥1.1135 trillion in outstanding guarantee obligations across 81,953 cases as of March 31, 2025.

The organization operates an eight-branch network across Kanagawa Prefecture (headquartered in Yokohama, with offices in Kawasaki, Odawara, Yokosuka, Fujisawa, Atsugi, and Sagamihara) and distributes its guarantee products through partnerships with regional banks, shinkin banks, Japan Finance Corporation, and local public support organizations. Its product portfolio spans eight guarantee categories including Startup Support Guarantee, Speedy Financing, Substantial Funding, Safety Net Guarantee, Business Succession Support, Low-Cost Financing, and recently launched sectoral instruments (e.g., the 2026 Nissan Automobile-Related Special Financing, Monitoring-Enhanced Special Guarantee, and enhanced Business Improvement Support Guarantee). Supplementary services include management consulting, an online fee simulator, and an enterprise interview series.

The association generates revenue primarily through usage-based credit guarantee fees calculated on loan amount, guarantee period, and risk profile, supplemented by contributions from the national government and Kanagawa Prefecture under the 信用補完制度 (credit supplement system). It operates as a statutory monopoly within its designated region and is governed by a 15-member board (with 11 part-time directors and 3 auditors) and supported by 175 staff as of March 2025. The organization is not publicly traded; its enabling legal framework and public-purpose mandate position it as a regulated financial infrastructure entity rather than a for-profit competitor.

Name

Kanagawa Credit Guarantee Association

Legal name

Credit Guarantee Corporation of Kanagawa

Website

https://cgc-kanagawa.or.jp

Company type

Private

Founded year

1948

Operating status

Operating

Short description

Kanagawa Credit Guarantee Association is a public credit guarantee corporation that acts as the official guarantor for small and medium enterprise business loans from financial institutions across Kanagawa Prefecture, Japan.

Ownership category

akta.pro rank

Product category

Credit Guarantee Services

NAICS

Other Nondepository Credit Intermediation (52229), Credit Intermediation and Related Activities (522)

SIC

Federal & Federally-Sponsored Credit Agencies (6111), Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industries

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ), SME Credit Underwriting, Scoring & Risk Analytics (FSAKAGAL), Public Mortgage Insurance & Government Credit Guarantee Programs (FSALAKAD)

Keywords

• Credit guarantee services
• SME business loans
• Public credit guarantee
• Financial institution partnerships
• Business financing support

Headquarters

HQ city

Yokohama

HQ country

Japan

HQ region

Asia

Offices7 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Credit Guarantee Fees: Revenue generated from guarantee fees charged to small and medium enterprises when they obtain credit guarantee services for their business loans. The association also receives contributions from the national government and Kanagawa prefecture for信用補完制度 (credit supplement system).

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Kanagawa Credit Guarantee Association acts as a public guarantor for small and medium enterprises (SMEs) seeking business loans from financial institutions in Kanagawa Prefecture. It underwrites credit guarantees through partner banks and shinkin banks, supported by capital contributions from the national government and Kanagawa Prefecture under the credit supplement system. The association also provides complementary management support services and seminars to help SMEs start, operate, and succession their businesses.

Product overview

Kanagawa Credit Guarantee Association operates as a single unified service offering public credit guarantee functions for small and medium enterprises in Kanagawa Prefecture. The core offering is the Credit Guarantee Service (信用保証), which acts as a public guarantor for businesses borrowing from financial institutions. This core is supported by specialized guarantee programs including Startup Support (創業保証), Safety Net Guarantees (セーフティネット保証), Business Succession Support (事業継承保証), and Low-Cost Financing options. The organization also provides supplementary tools and services including a Credit Guarantee Fee Simulator (信用保証料シミュレーター), Management Support Services (経営支援), Seminars & Events (セミナー＆イベント), and LINE Account integration for customer communications. The various guarantee programs serve different business needs from startup financing through business succession.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Guarantee Service (信用保証) Core credit guarantee service in which the association acts as a public guarantor for small and medium enterprises borrowing from partner financial institutions, supporting SME access to business financing across Kanagawa Prefecture.
• Startup Support Guarantee (創業保証) Guarantee programs designed for entrepreneurs starting new businesses and for businesses in the early startup phase in Kanagawa Prefecture.
• Speedy Financing Guarantee (スピード保証) Fast-track guarantee program for SMEs needing rapid access to capital from partner financial institutions.
• Substantial Funding Guarantee (まとまった資金) Guarantee programs for SMEs requiring substantial amounts of capital from partner financial institutions.
• Safety Net Guarantee (セーフティネット保証) Guarantee programs for SMEs facing temporary financial difficulties or affected by disasters, economic fluctuations, sector shocks (such as the Nissan-related program), or other external factors.
• Business Succession Support Guarantee (事業承継保証) Guarantee programs supporting business succession and inheritance transitions for SMEs in Kanagawa Prefecture.
• Low-Cost Financing Guarantee (低コスト保証) Guarantee programs offering low-cost financing options for eligible SMEs, often backed by government or prefectural fee subsidies.
• Diversified Funding Guarantee (多様な手法で資金調達) Guarantee programs enabling SMEs to raise capital through a variety of methods beyond standard loans, such as bond issuance or structured finance.
• Management Improvement Guarantee (経営上の課題解決) Guarantee programs designed for SMEs seeking to solve specific management challenges and improve business operations.
• Management Support Services (経営支援) Management consultation and support services for SMEs, including specialist dispatch programs, the Management Support Portal (経営サポートかながわNavi), and business improvement guidance covering operational, marketing, financial, legal, and HR topics.
• Group Credit Life Insurance (団体信用生命保険) Group credit life insurance coverage attached to guaranteed SME loans, providing repayment protection in the event of the borrower's death or serious disability.
• Monitoring-Enhanced Special Guarantee System (モニタリング強化型特別保証制度) New special guarantee scheme introduced in March 2026 with enhanced post-issuance monitoring of SME borrowers, strengthening credit oversight throughout the guarantee period.
• Nissan Automobile-Related Special Financing (日産自動車関連対策特別融資) Special-purpose guarantee program introduced in April 2026 to support SMEs in the supply chain affected by developments in the Nissan automotive industry.
• Business Improvement Support Guarantee - Enhanced Type (経営改善サポート保証 経営改善・再生支援強化型) Revision of the Business Improvement Support Guarantee in February 2026 to strengthen business improvement and rehabilitation support for distressed SME borrowers.

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core and major.

• 全国信用保証協会連合会 (National Credit Guarantee Association Federation)coreStrategic or Co-development PartnerThe federation coordinates nationwide credit guarantee operations and enables joint data analysis and statistics sharing among all credit guarantee associations in Japan.
• 横浜市信用保証協会 (Yokohama Credit Guarantee Association)coreStrategic or Co-development PartnerPartner organization in the same prefecture providing credit guarantee services in Yokohama city, collaborating on joint events and support programs.
• 川崎市信用保証協会 (Kawasaki Credit Guarantee Association)coreStrategic or Co-development PartnerPartner organization in Kawasaki city, collaborating on credit guarantee services and regional SME support initiatives.
• 中小機構 (Organization for Small and Medium Enterprises Regional Innovation)majorStrategic or Co-development PartnerNational organization supporting SME development, collaborating on various support programs and initiatives for small businesses in Kanagawa.
• 公益財団法人神奈川産業振興センター (Kanagawa Center for Industrial Promotion)majorStrategic or Co-development PartnerLocal public support organization providing business support services, co-hosting seminars and startup support programs.
• 平塚信用金庫 (Hiratsuka Shinkin Bank)majorChannel Partner/ Reseller/ DistributorRegional financial institution, co-hosting 'ひらしん創業応援セミナー' and 'ひらしん創業NEXT' entrepreneur network.
• かながわ信用金庫 (Kanagawa Shinkin Bank)majorChannel Partner/ Reseller/ DistributorCo-host of 'よこはま地域創業スクール' startup support program.
• 横浜銀行 (Bank of Yokohama)majorChannel Partner/ Reseller/ DistributorMajor regional bank, co-hosting 'オンライン創業支援セミナー みらい海図' startup support program.
• 日本政策金融公庫 (Japan Finance Corporation)majorChannel Partner/ Reseller/ DistributorGovernment-backed financial institution, co-hosting various startup support seminars and programs.
• 神奈川県よろず支援拠点 (Kanagawa Yorozu Support Headquarters)majorStrategic or Co-development PartnerGovernment-funded consultation support organization providing free business advice, participating as seminar instructors.
• 横浜中小企業診断士会 (Yokohama Small and Medium Enterprise Management Consultants Association)majorStrategic or Co-development PartnerAssociation of certified business consultants, co-hosting 'よこはま地域創業スクール' and providing startup support services.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• National Federation of Credit Guarantee Associations: Umbrella organization coordinating nationwide credit guarantee associations, including Kanagawa CGA; provides joint data analysis, statistics, and systemic support across all prefectural CGAs in Japan.
• Shoko Chukin Bank: Government-affiliated cooperative financial institution focused on SME and middle-market lending in Japan; operates in adjacent SME credit space with broader product scope including direct lending.
• Japan Finance Corporation: Government-backed financial institution providing direct loans and credit supplementation to SMEs; complements credit guarantee associations and is a co-host of Kanagawa CGA's startup support seminars.

Direct peers

• Fukuoka Credit Guarantee Association: Prefectural credit guarantee association serving Fukuoka, a key regional economy in Kyushu; comparable in statutory mandate, product portfolio, and SME focus but operating in a different regional economy.
• Osaka Credit Guarantee Association: Major prefectural credit guarantee association serving Osaka; operates under the same statutory framework with identical guarantee products for SMEs, comparable in mandate and operating model.
• Saitama Credit Guarantee Association: Prefectural credit guarantee association serving Saitama Prefecture under the same statutory framework; provides comparable guarantee products to a similarly suburban SME base.
• Kawasaki Credit Guarantee Association: City-level credit guarantee association within Kanagawa Prefecture providing identical public guarantee services to SMEs in Kawasaki; directly comparable in operating model and customer type.
• Aichi Credit Guarantee Association: Prefectural credit guarantee association serving Aichi Prefecture, a manufacturing-heavy region; comparable in mandate and product portfolio with potentially higher industrial-concentration risk.
• Tokyo Credit Guarantee Association: Prefectural credit guarantee association serving Tokyo's SMEs under the same Credit Guarantee Association Act; offers the same guarantee product portfolio and statutory mandate, providing the most relevant scale benchmark.
• Yokohama Credit Guarantee Association: Credit guarantee association serving Yokohama city within the same Kanagawa Prefecture; provides identical public credit guarantee services to local SMEs, directly comparable in mandate, product mix, and customer base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kanagawa Credit Guarantee Association