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A Pathway to Recovery: Small Business Support in 2026

In an age where small businesses are grappling with pressing challenges like rising prices, labor costs, and the looming repayments of zero-interest loans, the stakes have never been higher. Just Consulting, a company based in Osaka, is at the forefront of addressing this crisis by releasing the "Case Study Handbook for Business Improvement Plans" scheduled for launch on January 30, 2026. This guide is aimed not just at small business owners but also at professionals like accountants and financial advisors who assist them.

Understanding the Current Crisis

According to Just Consulting, many small enterprises are facing an unprecedented financial crisis in 2026. The apex of repayments from the zero-interest loans, initially designed to support businesses through the COVID-19 pandemic, together with the inflation triggered by the weak yen and rising wages due to a labor shortage, has created a perfect storm of economic challenges. These factors have dramatically heightened the risk of financial collapse for many.

To counter these challenges, the 405 Program, or Business Improvement Plan Support System, stands out as a potential remedy. The government subsidizes two-thirds of the costs for this program, enabling businesses to draft substantial improvement plans. However, the complexity of the application process and the high standards required by financial institutions mean that many businesses struggle to access this vital support.

Key Features of the Handbook

Just Consulting has merged its extensive experience—having successfully implemented improvement strategies for over 1,000 businesses—into this handbook, emphasizing actionable strategies that can be implemented in real-world scenarios.

1. Practical Techniques for Engaging Financial Institutions

The handbook reveals how to create business plans that grab the attention of banks. It explains what financial institutions focus on and how to effectively present a case for refinancing or acquiring new funds. It breaks down the pitfalls of merely crafting numbers that appear to fit a pre-planned narrative and instead encourages a genuine understanding of negotiation dynamics to level the playing field with lenders.

2. A Collection of 15 Industry-Specific Case Studies

This handbook includes 15 relatable case studies covering various sectors, from manufacturing to retail. By examining real-life examples, business owners can develop a clearer understanding of how to apply for the 405 Program effectively in their unique situations, facilitating practical applications that resonate with their circumstances.

3. Comprehensive Overview from Application to Monitoring

Beyond just planning, the handbook provides a complete roadmap—from the application process to establishing financial partnerships, executing the plan, and providing ongoing support. This manual is not only beneficial for business owners but will also serve as an essential reference for those involved in implementation.

The Importance of Business Improvement Plans

As we dive into 2026, the handbook underlines the necessity for strategic planning and effective communication with banks to navigate the ongoing economic turmoil successfully. The unique challenges presented by the pandemic’s financial fallout require robust planning and proactive measures to not just survive but to thrive.

About the Authors

The Just Consulting Company specializes in practical support for small and medium-sized enterprises, going beyond mere plan creation. They engage directly with businesses to establish robust performance management systems, negotiate with financial institutions, and optimize operational efficiencies, representing an invaluable resource for businesses aiming for recovery.

Book Details

• - Title: Case Study Handbook for Business Improvement Plans
• - Author: Just Consulting Team
• - Publisher: Learnings Co., Ltd.
• - Release Date: January 30, 2026
• - Price: 1,650 JPY (tax included)
• - Format: A5 / 150 pages
• - ISBN: 978-4-434-37210-0

As small businesses navigate an uncertain economic landscape, this handbook provides essential insights and strategies to improve their chances of survival and recovery. Small business owners and professionals are encouraged to utilize these resources to not only weather the storm but also to lay down a foundation for future growth.

For further inquiries, contact:
Just Consulting Public Relations Team
Telephone: 06-6809-4830
Email: [email protected]