{"id":765,"date":"2026-07-07T10:43:06","date_gmt":"2026-07-07T01:43:06","guid":{"rendered":"https:\/\/www.facmatch.jp\/column\/marukei-loan-working-capital-10-years\/"},"modified":"2026-10-29T08:36:42","modified_gmt":"2026-10-28T23:36:42","slug":"marukei-loan-working-capital-10-years","status":"publish","type":"post","link":"https:\/\/www.facmatch.jp\/column\/marukei-loan-working-capital-10-years\/","title":{"rendered":"\u30de\u30eb\u7d4c\u878d\u8cc7\u306e\u904b\u8ee2\u8cc7\u91d1\u306f10\u5e74\u8fd4\u6e08\u3067\u304d\u308b\uff1f\u8fd4\u6e08\u671f\u9593\u3068\u636e\u7f6e\u671f\u9593\u3092\u89e3\u8aac"},"content":{"rendered":"\n<div class=\"has-border -border01 facmatch-article-note has-small-font-size\" 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aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span><span id=\"index_id32\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span>\u30de\u30eb\u7d4c\u878d\u8cc7\u306e\u904b\u8ee2\u8cc7\u91d1\u306f10\u5e74\u4ee5\u5185\u3001\u636e\u7f6e\u306f\u305d\u306e\u3046\u30612\u5e74\u4ee5\u5185<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-01-v2.webp\"><img decoding=\"async\" width=\"1200\" height=\"1086\" src=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-01-v2.webp\" alt=\"\u30de\u30eb\u7d4c\u878d\u8cc7\u306e\u904b\u8ee2\u8cc7\u91d1\u306f10\u5e74\u4ee5\u5185\u3001\u636e\u7f6e\u306f\u305d\u306e\u3046\u30612\u5e74\u4ee5\u5185\u3092\u8aac\u660e\u3059\u308b\u56f3\u3002\u636e\u7f6e\u306f\u8fd4\u6e08\u671f\u9593\u306e\u5185\u6570\" class=\"wp-image-3725\" style=\"aspect-ratio:1200\/1086\" srcset=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-01-v2.webp 1200w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-01-v2-300x272.webp 300w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-01-v2-1024x927.webp 1024w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-01-v2-768x695.webp 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u30de\u30eb\u7d4c\u878d\u8cc7\u306e\u904b\u8ee2\u8cc7\u91d1\u306f\u3001\u901a\u5e38\u306e\u5236\u5ea6\u3067\u306f<span class=\"swl-marker mark_yellow\">\u8fd4\u6e08\u671f\u959310\u5e74\u4ee5\u5185\u3001\u3046\u3061\u636e\u7f6e\u671f\u95932\u5e74\u4ee5\u5185<\/span>\u3067\u3059\u300210\u5e74\u306f\u5236\u5ea6\u306e\u4e0a\u9650\u3067\u3001\u5b9f\u969b\u306e\u671f\u9593\u3084\u501f\u5165\u984d\u306f\u76f8\u8ac7\u30fb\u63a8\u85a6\u30fb\u516c\u5eab\u306e\u5be9\u67fb\u3092\u7d4c\u3066\u6c7a\u307e\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u30de\u30eb\u7d4c\u878d\u8cc7\u306f\u3001\u5546\u5de5\u4f1a\u8b70\u6240\u3084\u5546\u5de5\u4f1a\u306a\u3069\u306e\u7d4c\u55b6\u6307\u5c0e\u3068\u63a8\u85a6\u3092\u53d7\u3051\u305f\u5c0f\u898f\u6a21\u4e8b\u696d\u8005\u5411\u3051\u306e\u878d\u8cc7\u3067\u3059\u3002\u6b63\u5f0f\u306b\u306f\u300c\u5c0f\u898f\u6a21\u4e8b\u696d\u8005\u7d4c\u55b6\u6539\u5584\u8cc7\u91d1\u300d\u3068\u547c\u3073\u3001\u4ed5\u5165\u308c\u3001\u8cb7\u639b\u91d1\uff08\u4ed5\u5165\u5148\u3078\u307e\u3060\u652f\u6255\u3063\u3066\u3044\u306a\u3044\u4ee3\u91d1\uff09\u306e\u6c7a\u6e08\u3001\u7d66\u4e0e\u306e\u652f\u6255\u3044\u306a\u3069\u3001\u7d4c\u55b6\u6539\u5584\u306b\u5fc5\u8981\u306a\u8cc7\u91d1\u3092\u5bfe\u8c61\u306b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\" data-table-scrollable=\"both\" style=\"overflow-x:auto;-webkit-overflow-scrolling:touch;\"><table style=\"min-width:520px;table-layout:auto;\"><thead><tr><th style=\"border-bottom-style:solid;border-bottom-width:2px;\">\u901a\u5e38\u306e\u30de\u30eb\u7d4c\u878d\u8cc7<\/th><th style=\"border-bottom-style:solid;border-bottom-width:2px;\">\u516c\u5eab\u306e\u6848\u5185<\/th><\/tr><\/thead><tbody><tr><td>\u878d\u8cc7\u9650\u5ea6\u984d<\/td><td>2,000\u4e07\u5186<\/td><\/tr><tr><td>\u8fd4\u6e08\u671f\u9593<\/td><td>10\u5e74\u4ee5\u5185<\/td><\/tr><tr><td>\u636e\u7f6e\u671f\u9593<\/td><td>\u8fd4\u6e08\u671f\u9593\u306e\u3046\u30612\u5e74\u4ee5\u5185<\/td><\/tr><tr><td>\u5229\u7387\u306e\u533a\u5206<\/td><td>\u7279\u5225\u5229\u7387F<\/td><\/tr><tr><td>\u62c5\u4fdd\u30fb\u4fdd\u8a3c\u4eba<\/td><td>\u7121\u62c5\u4fdd\u30fb\u7121\u4fdd\u8a3c\u4eba<\/td><\/tr><tr><td>\u5229\u7528\u306e\u524d\u63d0<\/td><td>\u7d4c\u55b6\u6307\u5c0e\u3001\u5546\u5de5\u4f1a\u8b70\u6240\u7b49\u306e\u63a8\u85a6\u3001\u516c\u5eab\u306e\u5be9\u67fb<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u65e5\u672c\u653f\u7b56\u91d1\u878d\u516c\u5eab\u306e<a href=\"https:\/\/www.jfc.go.jp\/n\/finance\/search\/kaizen_m.html\" target=\"_blank\" rel=\"noopener\">\u30de\u30eb\u7d4c\u878d\u8cc7\u306e\u6848\u5185<\/a>\u306b\u57fa\u3065\u304f\u901a\u5e38\u5236\u5ea6\u306e\u6761\u4ef6\u3067\u3059\uff082026\u5e7410\u670828\u65e5\u78ba\u8a8d\uff09\u3002\u7121\u62c5\u4fdd\u30fb\u7121\u4fdd\u8a3c\u4eba\u306e\u5236\u5ea6\u3067\u3082\u3001\u5e0c\u671b\u3059\u308b\u91d1\u984d\u3084\u671f\u9593\u304c\u8a8d\u3081\u3089\u308c\u308b\u3068\u306f\u9650\u308a\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<h3 id=\"subsection-01\" class=\"wp-block-heading\"><span id=\"index_id12\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span>\u707d\u5bb3\u95a2\u9023\u306e\u5225\u67a0\u306f\u5bfe\u8c61\u8005\u3068\u6761\u4ef6\u304c\u9055\u3046<\/h3>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u901a\u5e38\u306e\u904b\u8ee2\u8cc7\u91d1\u3092\u691c\u8a0e\u3059\u308b\u5834\u5408\u306f\u3001\u4e0a\u306e\u8868\u306e10\u5e74\u4ee5\u5185\u304c\u51fa\u767a\u70b9\u3067\u3059\u3002\u707d\u5bb3\u95a2\u9023\u306e\u6761\u4ef6\u3092\u4f7f\u3046\u5834\u5408\u306f\u3001\u5bfe\u8c61\u5730\u57df\u3084\u88ab\u5bb3\u3001\u53d6\u5f15\u95a2\u4fc2\u306a\u3069\u3001\u305d\u306e\u5236\u5ea6\u306e\u8981\u4ef6\u3082\u78ba\u304b\u3081\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<div class=\"facmatch-protected-link\"><p><a href=\"https:\/\/www.jcci.or.jp\/support\/financing\/marukei\/index.html\" target=\"_blank\" rel=\"noopener noreferrer\">\u65e5\u672c\u5546\u5de5\u4f1a\u8b70\u6240\u300c\u30de\u30eb\u7d4c\u878d\u8cc7\u300d<\/a><\/p><\/div>\n\n\n\n<h2 id=\"section-02\" class=\"wp-block-heading\"><span id=\"index_id4\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span><span id=\"index_id5\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span><span id=\"index_id6\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span><span id=\"index_id7\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span>\u300c\u904b\u8ee2\u8cc7\u91d17\u5e74\u300d\u3068\u300c10\u5e74\u300d\u306e\u60c5\u5831\u306f\u6848\u5185\u306e\u6642\u70b9\u3092\u78ba\u304b\u3081\u308b<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-02-v2.webp\"><img decoding=\"async\" width=\"1200\" height=\"1010\" src=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-02-v2.webp\" alt=\"\u300c\u904b\u8ee2\u8cc7\u91d17\u5e74\u300d\u3068\u300c10\u5e74\u300d\u306e\u60c5\u5831\u306f\u6848\u5185\u306e\u6642\u70b9\u3092\u78ba\u304b\u3081\u308b\u3092\u8aac\u660e\u3059\u308b\u56f3\u3002\u7533\u8fbc\u6642\u306f\u73fe\u5728\u306e\u516c\u5f0f\u6761\u4ef6\u3092\u78ba\u8a8d\" class=\"wp-image-3726\" style=\"aspect-ratio:1200\/1010\" srcset=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-02-v2.webp 1200w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-02-v2-300x253.webp 300w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-02-v2-1024x862.webp 1024w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-02-v2-768x646.webp 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u904b\u8ee2\u8cc7\u91d17\u5e74\u4ee5\u5185\u3068\u66f8\u304b\u308c\u305f\u904e\u53bb\u306e\u6848\u5185\u3082\u6b8b\u3063\u3066\u3044\u307e\u3059\u3002<strong>\u7533\u8fbc\u6642\u306e\u6761\u4ef6\u306f\u3001\u516c\u5eab\u306e\u73fe\u5728\u306e\u5236\u5ea6\u6848\u5185\u3068\u5730\u5143\u306e\u76f8\u8ac7\u7a93\u53e3\u3067\u78ba\u8a8d\u3057\u307e\u3057\u3087\u3046\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u305f\u3068\u3048\u3070\u3001\u4f0a\u90a3\u5546\u5de5\u4f1a\u8b70\u6240\u306e\u30da\u30fc\u30b8\u306b\u306f\u30012024\u5e7410\u67081\u65e5\u73fe\u5728\u306e\u878d\u8cc7\u5185\u5bb9\u3068\u3057\u3066\u904b\u8ee2\u8cc7\u91d17\u5e74\u4ee5\u5185\u3068\u8a18\u8f09\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u4e00\u65b9\u3001\u516c\u5eab\u306e\u5236\u5ea6\u6982\u8981\u306f2025\u5e741\u67081\u65e5\u6642\u70b9\u306710\u5e74\u4ee5\u5185\u3068\u6848\u5185\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\" data-table-scrollable=\"both\" style=\"overflow-x:auto;-webkit-overflow-scrolling:touch;\"><table style=\"min-width:520px;table-layout:auto;\"><thead><tr><th style=\"border-bottom-style:solid;border-bottom-width:2px;\">\u60c5\u5831\u3092\u898b\u308b\u5834\u6240<\/th><th style=\"border-bottom-style:solid;border-bottom-width:2px;\">\u78ba\u304b\u3081\u308b\u3053\u3068<\/th><\/tr><\/thead><tbody><tr><td>\u691c\u7d22\u7d50\u679c\u306e\u77ed\u3044\u8aac\u660e<\/td><td>\u672c\u6587\u306b\u3082\u540c\u3058\u6761\u4ef6\u304c\u3042\u308b\u304b<\/td><\/tr><tr><td>\u516c\u5f0f\u30da\u30fc\u30b8\u306e\u6761\u4ef6\u8868<\/td><td>\u3044\u3064\u306e\u6761\u4ef6\u304b\u3001\u901a\u5e38\u5236\u5ea6\u304b\u7279\u4f8b\u304b<\/td><\/tr><tr><td>\u904e\u53bb\u306b\u4fdd\u5b58\u3057\u305f\u8cc7\u6599<\/td><td>\u73fe\u5728\u306e\u516c\u5eab\u306e\u6848\u5185\u3068\u671f\u9593\u30fb\u5229\u7387\u304c\u4e00\u81f4\u3059\u308b\u304b<\/td><\/tr><tr><td>\u5546\u5de5\u4f1a\u8b70\u6240\u30fb\u5546\u5de5\u4f1a<\/td><td>\u81ea\u793e\u306e\u6240\u5728\u5730\u3068\u4e8b\u696d\u306b\u9069\u7528\u3055\u308c\u308b\u6761\u4ef6<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">2025\u5e741\u67081\u65e5\u306f\u3001\u3053\u3053\u3067\u53c2\u7167\u3057\u305f\u516c\u5eab\u306e\u6982\u8981\u306b\u66f8\u304b\u308c\u305f\u5185\u5bb9\u306e\u57fa\u6e96\u65e5\u3067\u3059\u3002\u5236\u5ea6\u5909\u66f4\u306e\u6b63\u78ba\u306a\u5b9f\u65bd\u65e5\u3092\u793a\u3059\u65e5\u4ed8\u3068\u3057\u3066\u6271\u3046\u3053\u3068\u306f\u3067\u304d\u307e\u305b\u3093\u3002\u73fe\u5728\u306e\u501f\u5165\u76f8\u8ac7\u3067\u306f\u3001\u53e4\u3044\u671f\u9593\u8868\u3060\u3051\u3067\u5e0c\u671b\u3092\u53d6\u308a\u4e0b\u3052\u305a\u3001\u901a\u5e38\u5236\u5ea6\u306e10\u5e74\u4ee5\u5185\u3092\u524d\u63d0\u306b\u76f8\u8ac7\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u51fa\u5178\uff1a<a href=\"https:\/\/www.jfc.go.jp\/n\/finance\/marukei\/about\/index.html\" target=\"_blank\" rel=\"noopener\">\u516c\u5eab\u306e\u5236\u5ea6\u6982\u8981<\/a>\u3001<a href=\"https:\/\/www.inacci.or.jp\/marukei\/\" target=\"_blank\" rel=\"noopener\">\u4f0a\u90a3\u5546\u5de5\u4f1a\u8b70\u6240\u306e\u6848\u5185<\/a>\uff082026\u5e7410\u670828\u65e5\u78ba\u8a8d\uff09\u3002<\/p>\n\n\n\n<h2 id=\"section-03\" class=\"wp-block-heading\"><span id=\"index_id3\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span><span id=\"index_id13\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span><span id=\"index_id15\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span><span id=\"index_id17\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span>\u636e\u7f6e\u671f\u9593\u306f\u5143\u91d1\u8fd4\u6e08\u3092\u5f85\u3064\u671f\u9593\uff5c\u7d42\u308f\u3063\u305f\u5f8c\u306e\u8fd4\u6e08\u984d\u307e\u3067\u78ba\u8a8d\u3059\u308b<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-03-v2.webp\"><img decoding=\"async\" width=\"1200\" height=\"1268\" src=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-03-v2.webp\" alt=\"\u636e\u7f6e\u671f\u9593\u306f\u5143\u91d1\u8fd4\u6e08\u3092\u5f85\u3064\u671f\u9593\uff5c\u7d42\u308f\u3063\u305f\u5f8c\u306e\u8fd4\u6e08\u984d\u307e\u3067\u78ba\u8a8d\u3059\u308b\u3092\u8aac\u660e\u3059\u308b\u56f3\u3002\u636e\u7f6e\u5f8c\u306e\u5143\u91d1\u3068\u5229\u606f\u3092\u8a08\u753b\u306b\u5165\u308c\u308b\" class=\"wp-image-3727\" style=\"aspect-ratio:1200\/1268\" srcset=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-03-v2.webp 1200w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-03-v2-284x300.webp 284w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-03-v2-969x1024.webp 969w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-03-v2-768x812.webp 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u636e\u7f6e\u671f\u9593\u3068\u306f\u3001\u501f\u308a\u305f\u5143\u91d1\u306e\u8fd4\u6e08\u3092\u4e00\u5b9a\u671f\u9593\u5f85\u3063\u3066\u3082\u3089\u3046\u671f\u9593\u3067\u3059\u3002<span class=\"swl-marker mark_yellow\">\u636e\u7f6e2\u5e74\u4ee5\u5185\u306f\u3001\u8fd4\u6e08\u671f\u959310\u5e74\u4ee5\u5185\u306b\u542b\u307e\u308c\u307e\u3059\u3002<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5143\u91d1\u306f\u501f\u308a\u305f\u91d1\u984d\u305d\u306e\u3082\u306e\u3001\u5229\u606f\u306f\u501f\u5165\u6b8b\u9ad8\u306a\u3069\u306b\u5fdc\u3058\u3066\u652f\u6255\u3046\u8cbb\u7528\u3067\u3059\u3002\u636e\u7f6e\u4e2d\u306e\u652f\u6255\u3044\u3068\u3001\u5143\u91d1\u8fd4\u6e08\u304c\u59cb\u307e\u3063\u305f\u5f8c\u306e\u652f\u6255\u3044\u3092\u5206\u3051\u3066\u3001\u8fd4\u6e08\u4e88\u5b9a\u8868\u3067\u78ba\u304b\u3081\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<h3 id=\"subsection-02\" class=\"wp-block-heading\"><span id=\"index_id14\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span>\u636e\u7f6e\u3092\u4f7f\u3046\u3068\u5143\u91d1\u3092\u8fd4\u3059\u671f\u9593\u304c\u77ed\u304f\u306a\u308b<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6b21\u306f\u3001\u5143\u91d1480\u4e07\u5186\u3092\u5747\u7b49\u306b\u5206\u3051\u308b\u4eee\u306e\u8a08\u7b97\u3067\u3059\u3002\u7dcf\u671f\u9593\u3092120\u304b\u6708\u3068\u3057\u3001\u636e\u7f6e24\u304b\u6708\u3092\u8a2d\u5b9a\u3057\u305f\u5834\u5408\u306f\u6b8b\u308a96\u56de\u3067\u5143\u91d1\u3092\u8fd4\u3059\u3068\u4eee\u5b9a\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\" data-table-scrollable=\"both\" style=\"overflow-x:auto;-webkit-overflow-scrolling:touch;\"><table style=\"min-width:640px;table-layout:auto;\"><thead><tr><th style=\"border-bottom-style:solid;border-bottom-width:2px;\">\u4eee\u5b9a\u3059\u308b\u8fd4\u3057\u65b9<\/th><th style=\"border-bottom-style:solid;border-bottom-width:2px;\">\u5143\u91d1\u306e\u8a08\u7b97<\/th><th style=\"border-bottom-style:solid;border-bottom-width:2px;\">1\u56de\u306e\u5143\u91d1\u984d<\/th><\/tr><\/thead><tbody><tr><td>\u636e\u7f6e\u306a\u3057\u3067120\u56de\u306b\u5206\u3051\u308b<\/td><td>480\u4e07\u5186\u00f7120\u56de<\/td><td>4\u4e07\u5186<\/td><\/tr><tr><td>24\u304b\u6708\u636e\u7f6e\u5f8c\u300196\u56de\u306b\u5206\u3051\u308b<\/td><td>480\u4e07\u5186\u00f796\u56de<\/td><td>5\u4e07\u5186<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u3053\u306e\u8868\u306f\u5229\u606f\u3092\u52a0\u3048\u308b\u524d\u306e\u5143\u91d1\u984d\u3067\u3059\u3002\u5b9f\u969b\u306e\u521d\u56de\u8fd4\u6e08\u65e5\u3001\u8fd4\u6e08\u56de\u6570\u3001\u7aef\u6570\u51e6\u7406\u306f\u5951\u7d04\u3067\u6c7a\u307e\u308b\u305f\u3081\u3001\u516c\u5eab\u306e\u8fd4\u6e08\u4e88\u5b9a\u8868\u306e\u91d1\u984d\u3092\u512a\u5148\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u636e\u7f6e\u3092\u4f7f\u3048\u3070\u5f53\u521d\u306e\u5143\u91d1\u8ca0\u62c5\u3092\u6291\u3048\u3089\u308c\u308b\u4e00\u65b9\u3001\u3053\u306e\u4eee\u4f8b\u3067\u306f\u636e\u7f6e\u5f8c\u306e\u5143\u91d1\u984d\u304c\u6bce\u56de1\u4e07\u5186\u5897\u3048\u307e\u3059\u3002\u636e\u7f6e\u7d42\u4e86\u5f8c\u306e\u6708\u306b\u3082\u3001\u58f2\u4e0a\u5165\u91d1\u304b\u3089\u4ed5\u5165\u308c\u3084\u7d66\u4e0e\u3092\u6255\u3063\u305f\u3046\u3048\u3067\u8fd4\u305b\u308b\u304b\u3001\u8cc7\u91d1\u7e70\u308a\u8868\u3078\u5165\u308c\u3066\u78ba\u304b\u3081\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<h3 id=\"subsection-03\" class=\"wp-block-heading\"><span id=\"index_id18\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span>\u5143\u91d1\u3068\u5229\u606f\u3092\u8db3\u3057\u305f\u652f\u6255\u984d\u3067\u8a08\u753b\u3059\u308b<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u516c\u5eab\u306e\u56fd\u6c11\u751f\u6d3b\u4e8b\u696d\u306e\u6848\u5185\u3067\u306f\u3001\u5229\u606f\u306f\u5f8c\u6255\u3044\u3067\u3001\u521d\u56de\u306e\u8fd4\u6e08\u6642\u304b\u3089\u652f\u6255\u3046\u4ed5\u7d44\u307f\u3067\u3059\u3002\u5143\u91d1\u5747\u7b49\u8fd4\u6e08\u306f\u3001\u6bce\u56de\u540c\u3058\u984d\u306e\u5143\u91d1\u306b\u3001\u501f\u5165\u6b8b\u9ad8\u306b\u5fdc\u3058\u305f\u5229\u606f\u3092\u52a0\u3048\u3066\u8fd4\u3059\u65b9\u6cd5\u3067\u3059\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd4\u6e08\u4e88\u5b9a\u8868\u3092\u53d7\u3051\u53d6\u3063\u305f\u3089\u3001\u636e\u7f6e\u4e2d\u306e\u652f\u6255\u984d\u3001\u5143\u91d1\u8fd4\u6e08\u306e\u958b\u59cb\u6708\u3001\u305d\u306e\u5f8c\u306e\u6bce\u6708\u306e\u5143\u91d1\u3068\u5229\u606f\u3092\u66f8\u304d\u51fa\u3057\u307e\u3057\u3087\u3046\u3002\u540c\u3058\u501f\u5165\u984d\u30fb\u5229\u7387\u30fb\u8fd4\u6e08\u65b9\u5f0f\u306a\u3089\u3001\u6b8b\u9ad8\u304c\u9577\u304f\u6b8b\u308b\u8fd4\u3057\u65b9\u307b\u3069\u5229\u606f\u306e\u7dcf\u984d\u3082\u5927\u304d\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.jfc.go.jp\/n\/finance\/first\/kokumin.html\" target=\"_blank\" rel=\"noopener\">\u516c\u5eab\u306e\u521d\u3081\u3066\u5229\u7528\u3059\u308b\u65b9\u5411\u3051\u306e\u6848\u5185<\/a>\u306b\u306f\u8907\u6570\u306e\u8fd4\u6e08\u65b9\u5f0f\u3082\u7d39\u4ecb\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u81ea\u793e\u306e\u5236\u5ea6\u3067\u4f7f\u3048\u308b\u65b9\u5f0f\u3068\u91d1\u984d\u306f\u3001\u76f8\u8ac7\u6642\u306e\u8fd4\u6e08\u6848\u3067\u78ba\u8a8d\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n<h2 id=\"section-04\" class=\"wp-block-heading\"><span id=\"index_id8\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span><span id=\"index_id9\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span><span id=\"index_id10\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span><span id=\"index_id11\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span>\u5229\u7528\u306b\u306f\u898f\u6a21\u30fb\u7d4c\u55b6\u6307\u5c0e\u30fb\u5730\u57df\u30fb\u7d0d\u7a0e\u30fb\u696d\u7a2e\u306e\u8981\u4ef6\u304c\u3042\u308b<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-04-v3.webp\"><img decoding=\"async\" width=\"1200\" height=\"1366\" src=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-04-v3.webp\" alt=\"\u5229\u7528\u306b\u306f\u898f\u6a21\u30fb\u7d4c\u55b6\u6307\u5c0e\u30fb\u5730\u57df\u30fb\u7d0d\u7a0e\u30fb\u696d\u7a2e\u306e\u8981\u4ef6\u304c\u3042\u308b\u3092\u8aac\u660e\u3059\u308b\u56f3\u3002\u7d4c\u55b6\u6307\u5c0e\u3068\u63a8\u85a6\u306e\u8981\u4ef6\u3082\u78ba\u8a8d\" class=\"wp-image-3728\" style=\"aspect-ratio:1200\/1366\" srcset=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-04-v3.webp 1200w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-04-v3-264x300.webp 264w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-04-v3-900x1024.webp 900w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-04-v3-768x874.webp 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u30de\u30eb\u7d4c\u878d\u8cc7\u306f\u3001\u5c0f\u898f\u6a21\u4e8b\u696d\u8005\u3067\u3042\u308c\u3070\u81ea\u52d5\u7684\u306b\u501f\u308a\u3089\u308c\u308b\u5236\u5ea6\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<strong>\u5546\u5de5\u4f1a\u8b70\u6240\u7b49\u3078\u63a8\u85a6\u3092\u4f9d\u983c\u3059\u308b\u969b\u306f\u3001\u6b21\u306e\u8981\u4ef6\u3092\u78ba\u8a8d\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\" data-table-scrollable=\"both\" style=\"overflow-x:auto;-webkit-overflow-scrolling:touch;\"><table style=\"min-width:520px;table-layout:auto;\"><thead><tr><th style=\"border-bottom-style:solid;border-bottom-width:2px;\">\u8981\u4ef6<\/th><th style=\"border-bottom-style:solid;border-bottom-width:2px;\">\u78ba\u8a8d\u3059\u308b\u5185\u5bb9<\/th><\/tr><\/thead><tbody><tr><td>\u4e8b\u696d\u898f\u6a21<\/td><td>\u5e38\u6642\u4f7f\u7528\u3059\u308b\u5f93\u696d\u54e1\u304c\u539f\u524720\u4eba\u4ee5\u4e0b\u3002\u5546\u696d\u30fb\u30b5\u30fc\u30d3\u30b9\u696d\u306f5\u4eba\u4ee5\u4e0b\u3067\u3001\u5bbf\u6cca\u696d\u30fb\u5a2f\u697d\u696d\u306f20\u4eba\u4ee5\u4e0b<\/td><\/tr><tr><td>\u7d4c\u55b6\u6307\u5c0e<\/td><td>\u539f\u52476\u304b\u6708\u4ee5\u4e0a\u3001\u5546\u5de5\u4f1a\u8b70\u6240\u3084\u5546\u5de5\u4f1a\u7b49\u306e\u7d4c\u55b6\u6307\u5c0e\u3092\u53d7\u3051\u3066\u3044\u308b\u3053\u3068<\/td><\/tr><tr><td>\u5730\u57df\u3067\u306e\u4e8b\u696d<\/td><td>\u6700\u8fd11\u5e74\u4ee5\u4e0a\u3001\u305d\u306e\u5546\u5de5\u4f1a\u8b70\u6240\u30fb\u5546\u5de5\u4f1a\u7b49\u306e\u5730\u533a\u5185\u3067\u4e8b\u696d\u3092\u884c\u3063\u3066\u3044\u308b\u3053\u3068<\/td><\/tr><tr><td>\u7d0d\u7a0e<\/td><td>\u6240\u5f97\u7a0e\u3001\u6cd5\u4eba\u7a0e\u3001\u4e8b\u696d\u7a0e\u3001\u4f4f\u6c11\u7a0e\u7b49\u3092\u539f\u5247\u3068\u3057\u3066\u5b8c\u7d0d\u3057\u3066\u3044\u308b\u3053\u3068<\/td><\/tr><tr><td>\u696d\u7a2e<\/td><td>\u5546\u5de5\u696d\u8005\u3067\u3001\u516c\u5eab\u306e\u975e\u5bfe\u8c61\u696d\u7a2e\u7b49\u306b\u8a72\u5f53\u3057\u306a\u3044\u3053\u3068<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u516c\u5eab\u306e<a href=\"https:\/\/www.jfc.go.jp\/n\/finance\/marukei\/about\/index.html\" target=\"_blank\" rel=\"noopener\">\u5236\u5ea6\u6982\u8981<\/a>\u3068<a href=\"https:\/\/www.shokokai.or.jp\/support\/finance.html\" target=\"_blank\" rel=\"noopener\">\u5168\u56fd\u5546\u5de5\u4f1a\u9023\u5408\u4f1a\u306e\u6848\u5185<\/a>\u306b\u6cbf\u3063\u305f\u6574\u7406\u3067\u3059\u3002\u5f93\u696d\u54e1\u306e\u6570\u3048\u65b9\u3084\u7d0d\u7a0e\u7336\u4e88\u306a\u3069\u3001\u81ea\u793e\u306b\u500b\u5225\u306e\u4e8b\u60c5\u304c\u3042\u308b\u9805\u76ee\u306f\u3001\u5730\u5143\u7a93\u53e3\u3078\u8cc7\u6599\u3092\u793a\u3057\u3066\u78ba\u8a8d\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u958b\u696d\u76f4\u5f8c\u3084\u8ee2\u5165\u76f4\u5f8c\u306a\u3089\u3001\u307e\u305a\u5730\u57df\u3067\u306e\u4e8b\u696d\u671f\u9593\u3068\u7d4c\u55b6\u6307\u5c0e\u306e\u8981\u4ef6\u304b\u3089\u76f8\u8ac7\u3059\u308b\u9806\u756a\u306b\u306a\u308a\u307e\u3059\u3002\u3059\u3067\u306b\u76f8\u8ac7\u3092\u7d9a\u3051\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u5e0c\u671b\u3059\u308b\u8cc7\u91d1\u4f7f\u9014\u3001\u91d1\u984d\u3001\u5fc5\u8981\u306a\u6642\u671f\u3092\u62c5\u5f53\u8005\u3078\u4f1d\u3048\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<h2 id=\"section-05\" class=\"wp-block-heading\"><span id=\"index_id20\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span>\u76f8\u8ac7\u524d\u306b\u8cc7\u91d1\u4f7f\u9014\u3068\u8fd4\u6e08\u5f8c\u306e\u6b8b\u9ad8\u3092\u8cc7\u6599\u3067\u793a\u3059<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-05-v2.webp\"><img decoding=\"async\" width=\"1200\" height=\"1010\" src=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-05-v2.webp\" alt=\"\u76f8\u8ac7\u524d\u306b\u8cc7\u91d1\u4f7f\u9014\u3068\u8fd4\u6e08\u5f8c\u306e\u6b8b\u9ad8\u3092\u8cc7\u6599\u3067\u793a\u3059\u3092\u8aac\u660e\u3059\u308b\u56f3\u3002\u5e0c\u671b\u5e74\u6570\u3060\u3051\u3067\u306a\u304f\u8fd4\u6e08\u5f8c\u6b8b\u9ad8\u3092\u793a\u3059\" class=\"wp-image-3729\" style=\"aspect-ratio:1200\/1010\" srcset=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-05-v2.webp 1200w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-05-v2-300x253.webp 300w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-05-v2-1024x862.webp 1024w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-05-v2-768x646.webp 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u76f8\u8ac7\u524d\u306b\u306f\u3001<strong>\u4f55\u306b\u4f7f\u3046\u8cc7\u91d1\u304b\u3001\u3044\u3064\u5fc5\u8981\u304b\u3001\u501f\u5165\u5f8c\u306b\u6bce\u6708\u3044\u304f\u3089\u6b8b\u308b\u304b\u3092\u305d\u308d\u3048\u307e\u3057\u3087\u3046\u3002<\/strong>\u5e0c\u671b\u3059\u308b\u8fd4\u6e08\u5e74\u6570\u3060\u3051\u3067\u306a\u304f\u3001\u5165\u91d1\u3068\u652f\u6255\u3044\u3092\u8aac\u660e\u3059\u308b\u8cc7\u6599\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<h3 id=\"subsection-04\" class=\"wp-block-heading\"><span id=\"index_id25\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span>\u6c7a\u7b97\u66f8\u30fb\u7d0d\u7a0e\u8cc7\u6599\u30fb\u65e2\u5b58\u501f\u5165\u306e\u660e\u7d30\u3092\u7528\u610f\u3059\u308b<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5546\u5de5\u4f1a\u8b70\u6240\u306e\u6848\u5185\u3067\u306f\u3001\u6c7a\u7b97\u66f8\u3084\u78ba\u5b9a\u7533\u544a\u66f8\u3001\u7d0d\u7a0e\u3092\u78ba\u8a8d\u3059\u308b\u8cc7\u6599\u306a\u3069\u304c\u6319\u3052\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u65b0\u6f5f\u5546\u5de5\u4f1a\u8b70\u6240\u306f\u3001\u6700\u8fd1\u306e\u8a66\u7b97\u8868\u3084\u501f\u5165\u91d1\u306e\u8fd4\u6e08\u660e\u7d30\u8868\u3001\u901a\u5e33\u7b49\u3082\u6848\u5185\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\" data-table-scrollable=\"both\" style=\"overflow-x:auto;-webkit-overflow-scrolling:touch;\"><table style=\"min-width:520px;table-layout:auto;\"><thead><tr><th style=\"border-bottom-style:solid;border-bottom-width:2px;\">\u6e96\u5099\u3059\u308b\u8cc7\u6599\u306e\u4f8b<\/th><th style=\"border-bottom-style:solid;border-bottom-width:2px;\">\u8aac\u660e\u3059\u308b\u3053\u3068<\/th><\/tr><\/thead><tbody><tr><td>\u6c7a\u7b97\u66f8\u30fb\u78ba\u5b9a\u7533\u544a\u66f8<\/td><td>\u904e\u53bb\u306e\u58f2\u4e0a\u3001\u5229\u76ca\u3001\u501f\u5165\u306a\u3069\u306e\u72b6\u6cc1<\/td><\/tr><tr><td>\u6700\u8fd1\u306e\u8a66\u7b97\u8868\u30fb\u5165\u51fa\u91d1\u660e\u7d30<\/td><td>\u6c7a\u7b97\u5f8c\u306e\u4e8b\u696d\u3068\u73fe\u91d1\u306e\u52d5\u304d<\/td><\/tr><tr><td>\u7d0d\u7a0e\u8a3c\u660e\u66f8\u30fb\u9818\u53ce\u66f8<\/td><td>\u7d0d\u671f\u9650\u304c\u6765\u3066\u3044\u308b\u7a0e\u91d1\u306e\u7d0d\u4ed8\u72b6\u6cc1<\/td><\/tr><tr><td>\u65e2\u5b58\u501f\u5165\u306e\u8fd4\u6e08\u4e88\u5b9a\u8868<\/td><td>\u6bce\u6708\u306e\u8fd4\u6e08\u3001\u6b8b\u9ad8\u3001\u6700\u7d42\u671f\u65e5<\/td><\/tr><tr><td>\u4f7f\u9014\u306e\u660e\u7d30\u30fb\u898b\u7a4d\u66f8\u7b49<\/td><td>\u4f55\u306b\u3001\u3044\u3064\u3001\u3044\u304f\u3089\u4f7f\u3046\u304b<\/td><\/tr><tr><td>\u8cc7\u91d1\u7e70\u308a\u8868<\/td><td>\u501f\u5165\u5f8c\u306e\u5165\u51fa\u91d1\u3068\u8fd4\u6e08\u5f8c\u306e\u6b8b\u9ad8<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u5fc5\u8981\u66f8\u985e\u306f\u5730\u57df\u3084\u76f8\u8ac7\u5185\u5bb9\u306b\u3088\u3063\u3066\u8ffd\u52a0\u3055\u308c\u308b\u305f\u3081\u3001\u5730\u5143\u7a93\u53e3\u306e\u6848\u5185\u306b\u5408\u308f\u305b\u3066\u6e96\u5099\u3057\u3066\u304f\u3060\u3055\u3044\u3002\u8a2d\u5099\u8cc7\u91d1\u306a\u3089\u898b\u7a4d\u66f8\u306a\u3069\u3001\u4f7f\u9014\u3092\u793a\u3059\u66f8\u985e\u3082\u6c42\u3081\u3089\u308c\u307e\u3059\u3002\u51fa\u5178\uff1a<a href=\"https:\/\/www.niigata-cci.or.jp\/funds-loan\/unsecured\" target=\"_blank\" rel=\"noopener\">\u65b0\u6f5f\u5546\u5de5\u4f1a\u8b70\u6240\u306e\u5fc5\u8981\u66f8\u985e<\/a>\uff082026\u5e7410\u670829\u65e5\u78ba\u8a8d\uff09\u3002<\/p>\n\n\n\n<h3 id=\"subsection-05\" class=\"wp-block-heading\"><span id=\"index_id21\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span>\u636e\u7f6e\u304c\u7d42\u308f\u308b\u6708\u307e\u3067\u5165\u51fa\u91d1\u3092\u4e26\u3079\u308b<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8cc7\u91d1\u7e70\u308a\u8868\u306f\u3001\u5229\u76ca\u306e\u4e88\u5b9a\u3067\u306f\u306a\u304f\u3001\u5b9f\u969b\u306e\u5165\u91d1\u3068\u652f\u6255\u3044\u306e\u4e88\u5b9a\u3092\u4e26\u3079\u308b\u8868\u3067\u3059\u3002\u4ed5\u5165\u308c\u3001\u7d66\u4e0e\u3001\u5bb6\u8cc3\u3001\u7a0e\u91d1\u306b\u3001\u65e2\u5b58\u501f\u5165\u3068\u4eca\u56de\u306e\u501f\u5165\u306e\u8fd4\u6e08\u3092\u52a0\u3048\u307e\u3059\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5143\u91d1\u8fd4\u6e08\u306f\u3001\u640d\u76ca\u8a08\u7b97\u66f8\u306e\u8cbb\u7528\u3068\u540c\u3058\u5f62\u3067\u306f\u8868\u308c\u307e\u305b\u3093\u3002\u5229\u76ca\u306e\u4e88\u6e2c\u3060\u3051\u3067\u8fd4\u6e08\u3067\u304d\u308b\u3068\u8003\u3048\u305a\u3001\u8fd4\u6e08\u65e5\u306e\u5f8c\u306b\u6b8b\u308b\u73fe\u9810\u91d1\u3092\u78ba\u304b\u3081\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b63\u7bc0\u3054\u3068\u306e\u5165\u91d1\u306e\u6ce2\u3084\u3001\u636e\u7f6e\u7d42\u4e86\u5f8c\u306e\u5143\u91d1\u8fd4\u6e08\u3082\u8a08\u753b\u3078\u5165\u308c\u3066\u304a\u304f\u3068\u3001\u8ca0\u62c5\u304c\u5897\u3048\u308b\u6708\u3092\u4e8b\u524d\u306b\u628a\u63e1\u3067\u304d\u307e\u3059\u3002\u51fa\u5178\uff1a<a href=\"https:\/\/www.kashiwa-cci.or.jp\/manage\/practice\/financing\" target=\"_blank\" rel=\"noopener\">\u67cf\u5546\u5de5\u4f1a\u8b70\u6240\u306e\u8cc7\u91d1\u7e70\u308a\u8868<\/a>\u3001<a href=\"https:\/\/j-net21.smrj.go.jp\/solution\/handbook\/finance\/table.html\" target=\"_blank\" rel=\"noopener\">J-Net21\u306e\u8cc7\u91d1\u7e70\u308a\u8868\u306e\u6d3b\u7528\u65b9\u6cd5<\/a>\uff082026\u5e7410\u670829\u65e5\u78ba\u8a8d\uff09\u3002<\/p>\n\n\n\n<h2 id=\"section-06\" class=\"wp-block-heading\"><span id=\"index_id22\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span><span id=\"index_id23\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span><span id=\"index_id24\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span>\u76f8\u8ac7\u304b\u3089\u878d\u8cc7\u307e\u3067\u306f\u3001\u7d4c\u55b6\u6307\u5c0e\u30fb\u63a8\u85a6\u30fb\u516c\u5eab\u5be9\u67fb\u306e\u9806\u306b\u9032\u3080<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-06-v2.webp\"><img decoding=\"async\" width=\"1200\" height=\"1436\" src=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-06-v2.webp\" alt=\"\u76f8\u8ac7\u304b\u3089\u878d\u8cc7\u307e\u3067\u306f\u3001\u7d4c\u55b6\u6307\u5c0e\u30fb\u63a8\u85a6\u30fb\u516c\u5eab\u5be9\u67fb\u306e\u9806\u306b\u9032\u3080\u3092\u8aac\u660e\u3059\u308b\u56f3\u3002\u63a8\u85a6\u5f8c\u3082\u516c\u5eab\u306e\u5be9\u67fb\u304c\u3042\u308b\" class=\"wp-image-3730\" style=\"aspect-ratio:1200\/1436\" srcset=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-06-v2.webp 1200w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-06-v2-251x300.webp 251w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-06-v2-856x1024.webp 856w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-06-v2-768x919.webp 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u30de\u30eb\u7d4c\u878d\u8cc7\u306f\u3001\u5546\u5de5\u4f1a\u8b70\u6240\u3084\u5546\u5de5\u4f1a\u7b49\u3067\u306e\u76f8\u8ac7\u30fb\u7d4c\u55b6\u6307\u5c0e\u3001\u63a8\u85a6\u3001\u516c\u5eab\u306e\u5be9\u67fb\u3092\u7d4c\u3066\u9032\u307f\u307e\u3059\u3002<strong>\u63a8\u85a6\u3092\u53d7\u3051\u305f\u6bb5\u968e\u3067\u306f\u3001\u878d\u8cc7\u306f\u78ba\u5b9a\u3057\u3066\u3044\u307e\u305b\u3093\u3002<\/strong><\/p>\n\n\n\n<ol><li>\u5730\u5143\u306e\u5546\u5de5\u4f1a\u8b70\u6240\u30fb\u5546\u5de5\u4f1a\u7b49\u3078\u3001\u4f7f\u9014\u3068\u5fc5\u8981\u6642\u671f\u3092\u76f8\u8ac7\u3059\u308b<\/li><li>\u7d4c\u55b6\u6307\u5c0e\u3092\u53d7\u3051\u3001\u63a8\u85a6\u8981\u4ef6\u3068\u5fc5\u8981\u66f8\u985e\u3092\u78ba\u8a8d\u3059\u308b<\/li><li>\u5546\u5de5\u4f1a\u8b70\u6240\u7b49\u3067\u63a8\u85a6\u306b\u5411\u3051\u305f\u5be9\u67fb\u30fb\u624b\u7d9a\u304d\u3092\u53d7\u3051\u308b<\/li><li>\u516c\u5eab\u306e\u5be9\u67fb\u3092\u7d4c\u3066\u3001\u5951\u7d04\u6761\u4ef6\u3092\u78ba\u8a8d\u3059\u308b<\/li><li>\u5951\u7d04\u30fb\u878d\u8cc7\u5b9f\u884c\u5f8c\u3001\u8fd4\u6e08\u4e88\u5b9a\u306b\u6cbf\u3063\u3066\u652f\u6255\u3044\u3092\u7d9a\u3051\u308b<\/li><\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u6307\u5c0e\u3092\u53d7\u3051\u59cb\u3081\u305f\u3070\u304b\u308a\u306a\u3089\u3001\u539f\u52476\u304b\u6708\u4ee5\u4e0a\u306e\u6307\u5c0e\u8981\u4ef6\u3082\u542b\u3081\u3066\u76f8\u8ac7\u304c\u5fc5\u8981\u3067\u3059\u3002\u516c\u5eab\u306e<a href=\"https:\/\/www.jfc.go.jp\/n\/finance\/marukei\/about\/index.html\" target=\"_blank\" rel=\"noopener\">\u5236\u5ea6\u6982\u8981\u306e\u30d5\u30ed\u30fc<\/a>\u3082\u3001\u63a8\u85a6\u306e\u5f8c\u306b\u516c\u5eab\u304c\u5be9\u67fb\u3057\u3066\u878d\u8cc7\u3092\u6c7a\u5b9a\u3059\u308b\u6d41\u308c\u3092\u793a\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p 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style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span><span id=\"index_id29\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span>\u9593\u306b\u5408\u308f\u306a\u3044\u652f\u6255\u3044\u304c\u3042\u308b\u3068\u304d\u306f\u3001\u6642\u671f\u30fb\u624b\u53d6\u308a\u30fb\u5951\u7d04\u3092\u6bd4\u3079\u308b<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-07-v2.webp\"><img decoding=\"async\" width=\"1200\" height=\"940\" src=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-07-v2.webp\" alt=\"\u9593\u306b\u5408\u308f\u306a\u3044\u652f\u6255\u3044\u304c\u3042\u308b\u3068\u304d\u306f\u3001\u6642\u671f\u30fb\u624b\u53d6\u308a\u30fb\u5951\u7d04\u3092\u6bd4\u3079\u308b\u3092\u8aac\u660e\u3059\u308b\u56f3\u3002\u8cc7\u91d1\u3092\u53d7\u3051\u53d6\u3063\u305f\u5f8c\u306e\u652f\u6255\u3044\u3082\u8a08\u753b\" class=\"wp-image-3731\" style=\"aspect-ratio:1200\/940\" srcset=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-07-v2.webp 1200w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-07-v2-300x235.webp 300w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-07-v2-1024x802.webp 1024w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-07-v2-768x602.webp 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u652f\u6255\u671f\u9650\u306b\u9593\u306b\u5408\u3046\u898b\u8fbc\u307f\u304c\u7acb\u305f\u306a\u3044\u5834\u5408\u306f\u3001\u4e0d\u8db3\u3059\u308b\u65e5\u3068\u91d1\u984d\u3092\u6574\u7406\u3057\u3001\u307b\u304b\u306e\u624b\u6bb5\u3082\u691c\u8a0e\u3057\u307e\u3057\u3087\u3046\u3002<span class=\"swl-marker mark_yellow\">\u501f\u5165\u3068\u58f2\u639b\u91d1\u306e\u58f2\u5374\u3067\u306f\u3001\u305d\u306e\u5f8c\u306e\u304a\u91d1\u306e\u6d41\u308c\u304c\u9055\u3044\u307e\u3059\u3002<\/span><\/p>\n\n\n\n<figure class=\"wp-block-table\" data-table-scrollable=\"both\" style=\"overflow-x:auto;-webkit-overflow-scrolling:touch;\"><table style=\"min-width:520px;table-layout:auto;\"><thead><tr><th style=\"border-bottom-style:solid;border-bottom-width:2px;\">\u624b\u6bb5<\/th><th style=\"border-bottom-style:solid;border-bottom-width:2px;\">\u76f8\u8ac7\u524d\u306b\u78ba\u304b\u3081\u308b\u3053\u3068<\/th><\/tr><\/thead><tbody><tr><td>\u91d1\u878d\u6a5f\u95a2\u3078\u306e\u501f\u5165\u76f8\u8ac7<\/td><td>\u5fc5\u8981\u6642\u671f\u3001\u91d1\u5229\u30fb\u8cbb\u7528\u3001\u8fd4\u6e08\u65e5\u3001\u6bce\u6708\u306e\u8fd4\u6e08\u984d<\/td><\/tr><tr><td>\u58f2\u639b\u50b5\u6a29\u306e\u30d5\u30a1\u30af\u30bf\u30ea\u30f3\u30b0<\/td><td>\u5bfe\u8c61\u50b5\u6a29\u3001\u624b\u53d6\u308a\u984d\u3001\u8cc7\u91d1\u5316\u4e88\u5b9a\u65e5\u3001\u53d6\u5f15\u5148\u901a\u77e5\u3068\u56de\u53ce\u65b9\u6cd5<\/td><\/tr><tr><td>\u65e2\u5b58\u501f\u5165\u306e\u8fd4\u6e08\u6761\u4ef6\u306e\u76f8\u8ac7<\/td><td>\u73fe\u5728\u306e\u5951\u7d04\u3001\u652f\u6255\u3044\u304c\u96e3\u3057\u304f\u306a\u308b\u6642\u671f\u3001\u4eca\u5f8c\u306e\u5165\u51fa\u91d1<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u30d5\u30a1\u30af\u30bf\u30ea\u30f3\u30b0\u306f\u3001\u5165\u91d1\u5f85\u3061\u306e\u58f2\u639b\u50b5\u6a29\u3092\u58f2\u5374\u3057\u3066\u8cc7\u91d1\u5316\u3059\u308b\u53d6\u5f15\u3067\u3059\u3002\u624b\u6570\u6599\u3084\u5951\u7d04\u6761\u4ef6\u3092\u78ba\u304b\u3081\u305f\u3046\u3048\u3067\u3001<a href=\"\/column\/invoice-purchase-services\/\">\u8acb\u6c42\u66f8\u8cb7\u53d6\u30b5\u30fc\u30d3\u30b9\u306e\u6bd4\u8f03<\/a>\u3084<a href=\"\/column\/factoring-service\/\">\u30d5\u30a1\u30af\u30bf\u30ea\u30f3\u30b0\u30b5\u30fc\u30d3\u30b9\u306e\u9078\u3073\u65b9<\/a>\u3082\u53c2\u8003\u306b\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u501f\u5165\u3092\u691c\u8a0e\u3059\u308b\u500b\u4eba\u4e8b\u696d\u4e3b\u306e\u65b9\u306f\u3001<a href=\"\/column\/business-loan-kojin-shinsa-amai\/\">\u500b\u4eba\u4e8b\u696d\u4e3b\u5411\u3051\u30d3\u30b8\u30cd\u30b9\u30ed\u30fc\u30f3\u306e\u6bd4\u8f03<\/a>\u3082\u78ba\u8a8d\u3057\u307e\u3057\u3087\u3046\u3002\u3069\u306e\u624b\u6bb5\u3082\u3001\u7533\u8fbc\u6642\u70b9\u3067\u5165\u91d1\u3084\u5be9\u67fb\u901a\u904e\u304c\u4fdd\u8a3c\u3055\u308c\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u501f\u5165\u306a\u3089\u8fd4\u6e08\u4e88\u5b9a\u3092\u8cc7\u91d1\u7e70\u308a\u8868\u3078\u5165\u308c\u307e\u3057\u3087\u3046\u3002\u30d5\u30a1\u30af\u30bf\u30ea\u30f3\u30b0\u3067\u81ea\u793e\u304c\u56de\u53ce\u3057\u9001\u91d1\u3059\u308b\u5951\u7d04\u306e\u5834\u5408\u306f\u3001\u53d6\u5f15\u5148\u304b\u3089\u306e\u5165\u91d1\u3068\u30d5\u30a1\u30af\u30bf\u30ea\u30f3\u30b0\u4f1a\u793e\u3078\u306e\u9001\u91d1\u4e88\u5b9a\u3082\u8a18\u8f09\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<h2 id=\"section-08\" class=\"wp-block-heading\"><span id=\"index_id30\" class=\"facmatch-legacy-anchor\" aria-hidden=\"true\" style=\"scroll-margin-top:calc(var(--swl-offset_y,130px) + 16px);\"><\/span>\u30de\u30eb\u7d4c\u878d\u8cc7\u306e\u904b\u8ee2\u8cc7\u91d110\u5e74\u306b\u95a2\u3059\u308b\u3088\u304f\u3042\u308b\u8cea\u554f<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-08-v3.webp\"><img decoding=\"async\" width=\"1200\" height=\"1082\" src=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-08-v3.webp\" alt=\"\u30de\u30eb\u7d4c\u878d\u8cc7\u306e\u904b\u8ee2\u8cc7\u91d110\u5e74\u306b\u95a2\u3059\u308b\u3088\u304f\u3042\u308b\u8cea\u554f\u3092\u8aac\u660e\u3059\u308b\u56f3\u3002\u4e0a\u9650\u30fb\u636e\u7f6e\u30fb\u5be9\u67fb\u3092\u5206\u3051\u3066\u78ba\u8a8d\" class=\"wp-image-3732\" style=\"aspect-ratio:1200\/1082\" srcset=\"https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-08-v3.webp 1200w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-08-v3-300x271.webp 300w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-08-v3-1024x923.webp 1024w, https:\/\/www.facmatch.jp\/column\/wp-content\/uploads\/2026\/10\/marukei-loan-working-capital-10-years-h2-08-v3-768x692.webp 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure>\n\n\n\n<h3 id=\"subsection-06\" class=\"wp-block-heading\">\u5e0c\u671b\u3059\u308c\u307010\u5e74\u8fd4\u6e08\u306b\u3067\u304d\u307e\u3059\u304b\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>10\u5e74\u4ee5\u5185\u306f\u5236\u5ea6\u306e\u4e0a\u9650\u3067\u3059\u3002<\/strong>\u5546\u5de5\u4f1a\u8b70\u6240\u7b49\u306e\u63a8\u85a6\u3068\u516c\u5eab\u306e\u5be9\u67fb\u304c\u3042\u308a\u3001\u5e0c\u671b\u3057\u305f\u91d1\u984d\u3084\u671f\u9593\u306b\u306a\u308b\u3068\u306f\u9650\u308a\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<h3 id=\"subsection-07\" class=\"wp-block-heading\">\u904b\u8ee2\u8cc7\u91d1\u306f7\u5e74\u3067\u306f\u306a\u3044\u306e\u3067\u3059\u304b\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u73fe\u5728\u306e\u516c\u5eab\u306e\u901a\u5e38\u5236\u5ea6\u306f10\u5e74\u4ee5\u5185\u3067\u3059\u30027\u5e74\u4ee5\u5185\u3068\u66f8\u304b\u308c\u305f\u904e\u53bb\u306e\u6848\u5185\u3082\u6b8b\u308b\u305f\u3081\u3001\u6761\u4ef6\u306e\u57fa\u6e96\u65e5\u3068\u5236\u5ea6\u540d\u3092\u78ba\u304b\u3081\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<h3 id=\"subsection-08\" 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