EN 
JA 
In addition to the "risk of business partner bankruptcy,"Management Safety Mutual AidYou can save on taxes by recording your premiums as business expenses.
Click here to apply for Business Safety Mutual Aid ⇒Management Safety Mutual Aid Association Official Website
In this article, we will explain everything you need to know about Management Safety Mutual Aid, the "last resort" for small and medium-sized business owners.
The Basics of Business Safety Mutual Aid: Peace of Mind Because It's a "National System"
Why is Management Safety Mutual Aid attracting attention now?
The Management Safety Mutual Aid System (official name: Small and Medium Enterprise Bankruptcy Prevention Mutual Aid System) is operated by the Organization for Small and Medium Enterprises and Regional Innovation.Public SystemsDespite the unstable economic situation, the number of people enrolled in this system is increasing year by year.
This is because it has three powerful features:
- A shield against chain bankruptcies: You can immediately raise funds in the event of a business partner's bankruptcy
- Guaranteed tax savings: The entire premium can be deducted as an expense or expense
- Future return of funds: 100% refund if over 40 months
Can your company join? Check the eligibility requirements
Industry Number of employees Maximum capital Manufacturing, construction, etc. 300 or less 300 million yen or less Retail 50 or less 50 million yen or less Service 100 or less 50 million yen or less
Have been in business continuously for more than one yearThis is a condition. Most small and medium-sized businesses and sole proprietors are eligible.
How to use it as a "safety device" to protect your business
Payment system: Flexible design to suit your company size
- Monthly premium: 5,000 yen to 200,000 yen(Freely set in increments of 5,000 yen)
- Maximum total premium: 8 million yen(Approximately 3 years and 4 months to 13 years and 4 months until completion of the fund)
- The entire premium is deductible as an expense(Corporations) or necessary expenses can be recorded (sole proprietors)
Strength in times of emergency: emergency loans without collateral or guarantors
If a business partner goes bankrupt,Instant Fundingis possible:
- Up to 80 million yenLoans up to 10 times the total amount of premiums
- No interest, no collateral, no guarantorThe extraordinary condition
- Grace period: 6 monthsA flexible repayment plan with a repayment period of up to 5 years
This is a condition that cannot be met through bank loans. It can truly be called the "final line of defense for management."
The premium is a "deposit": If it is more than 40 months, 100% will be returned.
Months paid Refund rate Less than 12 months No refund 12-39 months 80-95% 40 months or more 100% (full refund)
In other words,If you continue for 40 months or more, you will get all of your savings back.It has a higher level of security than bank deposits and also acts as "insurance in case of emergencies."
"Hidden ways of using it" that smart managers know
As a "tax saving measure" recommended by tax accountants
The premium isThe entire amount is a loss or expenseTo be recognized asImmediate tax savingsFor example, if a company with a corporate tax rate of 23.2% contributes 200,000 yen per month (2.4 million yen per year), it will reduce its corporate tax by approximately 550,000 yen.
How to use surrender value and refunds strategically
- Cancel your policy during periods of low profitability to reduce your tax burden
- Use as retirement fund
- Function as a cash flow adjustment valve
Pros vs Cons: What's the Real Deal?
I definitely recommend this company
- Companies highly dependent on specific business partners
- Managers who are worried about future cash flow
- Companies looking for highly secure tax-saving solutions
- Growing companies looking to stabilize their management base
Points to consider
- If you cancel within 12 months, there will be no refund.
- No loans will be available unless the business partner goes bankrupt
- Possibility of lump sum tax upon cancellation
If you want to borrow money, take advantage of the Small Business Mutual Aid Association's loan system."Advantages and disadvantages of small business mutual aid"
Act now! Joining procedures and contact points
Applications for membership can be made through the Chamber of Commerce, the Chamber of Commerce, financial institutions, etc. The required documents are as follows:
- Membership Application Form
- Documents verifying business details (certificate of incorporation, tax return, etc.)
- Contribution Account Transfer Application Form
Starting from 5,000 yen per monthSo I recommend starting with a small amount first.
Japan Chamber of Commerce and Industry website:Japan Chamber of Commerce and Industry
Conclusion: Essential "management defense measures" in uncertain times
Business Safety Mutual Aid is not just "insurance in the event of bankruptcy." It is a "comprehensive business defense system" that protects your company. Management Safety Mutual Aid Homepage
- Protection from chain of bankruptcies
- Effective tax saving measures
- A deposit that will definitely be returned in the future
Why not incorporate this system, which combines these three powerful benefits, into your business strategy?
Start preparing today for a business crisis that may happen tomorrow.