The playbook · Edition 006 · Japan

The 109.5% licence: what ¥22,000 at a police counter actually buys, and why ¥26,330 of lendable capital cannot use it

The step-by-step playbook behind Japan’s 20% lending cap reads 109.5% for anyone holding a ¥22,000 police licence.

What is inside

1. The one-page conclusion
2. Phase A · Standing it up
3. Phase B · The first loan
4. Phase C · The book
5. Fees and venues
6. The rules that govern it
7. The loan, end to end
8. Records and diligence pack
9. Counterparties and dependencies
10. Who is responsible for what
11. Risk, gates and the long watch
12. The pre-assessment in full
13. Cost, timeline and break-even
14. Launch checklist and the 30/60/90
15. Not yet verified
16. Sources