Business & Personal Financing
Built for Growth
Lending facilities from ¥500,000 to ¥1 billion, underwritten by people who take the time to understand your business.
Lending built on relationships, not scorecards
Sovereign Trust helps businesses and entrepreneurs in Japan access the capital they need — with terms set by people who understand the business, not by a scoring model.
Dedicated Relationship Manager
A single point of contact who knows your business, from application to repayment.
Human Underwriting
Real people assess your application — not just algorithms. We listen to your story.
Transparent Pricing
The rate you see is the rate you pay. No hidden arrangement or early repayment fees.
A facility for every stage of growth
From a ¥500,000 personal loan to trade finance in the billions, every facility comes with transparent pricing and a named relationship manager.
Business Loans
Working capital, expansion finance, and growth funding for established businesses.
- Up to 84-month terms
- Funds in 48 hours
- No early repayment fees
Contractor Financing
Bridge cash-flow gaps between invoicing and payment for contractors and consultants.
- Flexible drawdowns
- Invoice-backed lending
- Project-based terms
SME Expansion Loans
Tailored facilities for small and medium enterprises scaling across Japan and into Asia.
- Multi-currency facilities
- Dedicated relationship manager
- Custom repayment schedule
Trade Finance
Letters of credit, documentary collections, and import/export facilities for global trade.
- LCs & guarantees
- Cross-border settlement
- Trade insurance included
Equipment Financing
Acquire machinery, vehicles, and capital equipment with asset-backed terms.
- Up to 100% financing
- Fixed monthly payments
- Equipment as collateral
Personal Loans
Unsecured personal lending for major purchases, consolidation, or life events.
- No collateral required
- Fast approval
- Transparent pricing
From application to funded — in under a week
Apply Online
Complete our secure 8-step application in under 15 minutes. KYC verification is built in.
Underwriting Review
Our team reviews your application within 24–48 business hours. You can message us at any time.
Receive Offer
Approved offers include full terms, monthly payments, and total repayable. Valid for 14 days.
Sign & Disburse
Digital signature on your agreement. Funds disbursed to your account within 1 business day.
Trusted by businesses across Japan
“We received our ¥190 million working capital facility within 72 hours. The team understood our seasonal cash flow needs immediately. The terms were transparent, the rate competitive, and our dedicated relationship manager has been outstanding.”
“After being declined by two major banks, we funded our office expansion with a ¥70 million SME loan. The underwriting team genuinely engaged with our business plan rather than relying on automated scoring. A truly relationship-driven lender.”
“Contractor financing has transformed how we manage project cash flow. The drawdown facility lets us bid on larger contracts with confidence. Fast, professional, and refreshingly transparent on pricing.”
SSL Secured
TLS 1.3 encryption across every connection. Your data is protected end-to-end.
KYC Verified
取引時確認 carried out under the Act on Prevention of Transfer of Criminal Proceeds (犯罪収益移転防止法).
Encrypted Banking
AES-256 encryption at rest. Bank-grade infrastructure across all data centers.
Compliance Standards
Personal data handled under Japan's Act on the Protection of Personal Information (個人情報保護法).
Answers to common questions
Let's Talk
Have questions about our loan products? Our expert team is here to help you find the right financing.
Ready to grow with Sovereign Trust?
Apply online in under 15 minutes. No commitment — see your indicative offer before signing anything.
Begin Your Application