【口座開設のススメ】経営者は実績をつけて法人口座を3つは作った方がいい！法人口座の開設からなぜ法人口座が複数必要なのか理由を徹底解説します！

Summary

In this video, the speaker discusses the challenges and strategies of opening a corporate bank account, particularly for new businesses without a track record. They highlight the increased difficulty of opening accounts due to concerns over money laundering, and provide advice on navigating this process. The speaker stresses the importance of building relationships with multiple banks, ideally aiming for three accounts, to ensure better chances of securing loans with favorable terms. Additionally, they recommend using trusted tax professionals for introductions and ensuring proper documentation, such as a physical office address, to avoid complications during the account opening process.

Takeaways

• 😀 It’s crucial to create at least three business accounts to ensure better access to financing and favorable loan conditions.
• 😀 The process of opening a corporate bank account has become more challenging due to concerns about money laundering and fraud.
• 😀 Many banks are hesitant to open accounts for new businesses without a track record, as they cannot distinguish between legitimate entrepreneurs and potential criminals.
• 😀 Big banks (e.g., Mitsubishi UFJ, Mizuho) are not suitable for small businesses or startups because their focus is on large companies, making account opening difficult for new ventures.
• 😀 Regional banks and second-tier banks are more flexible than major banks and may offer better chances for account creation.
• 😀 Credit unions, which focus on supporting local businesses, are also potential sources for business accounts, although they might still deny applications based on risk assessment.
• 😀 Online banks have a lower barrier to entry and are less likely to reject applications, though their loan terms tend to come with higher interest rates.
• 😀 If you struggle to get an account with traditional banks, consider asking your accountant or trusted local business leaders for referrals to strengthen your credibility.
• 😀 A solid relationship with a trustworthy accountant is essential to increase your chances of successfully opening a corporate account.
• 😀 Virtual office addresses can be problematic for account opening due to concerns about the lack of a physical presence, so it’s advisable to secure a small physical office space.
• 😀 To qualify for loans, you need to open accounts with at least three banks and ensure that you have a strong relationship with them, as it improves your chances of obtaining favorable terms.

Q & A

Why is it difficult for some people to open a corporate bank account?

Opening a corporate bank account has become more difficult due to increased regulations aimed at preventing money laundering. Banks often struggle to distinguish between legitimate business owners and those involved in criminal activities, especially when the business lacks any proven track record.

What are the key factors banks consider when deciding whether to open a corporate account?

Banks primarily consider the business's track record and potential for future success. Without a solid business history, banks may view the business as too risky, making it more difficult to open an account.

Why are major banks (megabanks) not ideal for opening corporate accounts for small or new businesses?

Megabanks like Mitsubishi UFJ, Mizuho, and Sumitomo Mitsui often prioritize larger, established businesses. They have stricter requirements and typically do not cater to small or newly established companies, making it harder to open a corporate account with them.

What type of banks should entrepreneurs consider when opening a corporate account?

Entrepreneurs should consider regional or local banks, as these banks are more flexible in their requirements and are more likely to open accounts for small or new businesses. Local credit unions or community banks can also be good options.

What role does having a trusted accountant or tax advisor play in opening a corporate bank account?

Having a trusted accountant or tax advisor can be crucial. Banks often trust accountants or advisors who have strong reputations and can vouch for the legitimacy of a business. A referral from a reliable advisor can increase the chances of successfully opening a corporate account.

Why do some businesses choose virtual offices for their registration, and what issues might arise?

Some businesses opt for virtual offices to protect personal privacy, as registering a business at a personal address would make the owner's private information publicly accessible. However, virtual offices can raise concerns with banks, as they may be associated with fraudulent or non-existent businesses.

What are the potential risks of using a virtual office for business registration from a banking perspective?

From a banking perspective, a virtual office can suggest that the business lacks a physical presence, raising concerns about its legitimacy. This can make it harder for businesses to secure funding or open a corporate account, as banks may view the business as a potential risk for fraud or money laundering.

Why is it recommended to open at least three corporate bank accounts?

Opening at least three corporate bank accounts allows entrepreneurs to build credibility with multiple banks. It also provides the opportunity to compare terms for loans, credit lines, and interest rates. Having multiple accounts can help negotiate better terms when seeking financing.

How can having multiple corporate accounts help a business secure more favorable loan terms?

When a business has multiple bank accounts, it can leverage competition between the banks. If one bank offers less favorable loan terms, the business can negotiate with another bank offering better terms, ultimately improving its financial flexibility.

What is the role of the Japan Finance Corporation (JFC) in supporting new businesses, and how does it relate to corporate bank accounts?

The Japan Finance Corporation (JFC) provides loans to businesses, but it does not offer corporate bank accounts. To receive funding from the JFC, businesses must first open a corporate bank account, as the JFC works with banks to facilitate the lending process.