1. Discovery
Initial Contact
Borrower learns about Mujin through agency worker relationship — natural conversation, not cold outreach.
For Entrepreneurs
Your community standing is your strongest asset.
Your business idea is sound. Your ministry is needed. Credit barriers shouldn't stop you. Community trust opens capital access — and you'll receive support for your whole journey, not just a check.
Who Qualifies
Whether you're Japanese or foreign, your community knows your character.
Whether you're Japanese or foreign, your community knows your character. Mission agency networks verify your trust, unlocking ¥750K–2M in grants — plus mentoring, peer networks, and support for your whole journey.
Japanese Christian entrepreneurs
Serving niche or minority communities with businesses contributing to community flourishing.
Foreign resident entrepreneurs
Lack Japanese credit history but are embedded in community life and building real businesses.
Ministry leaders
Both Japanese and foreign, sustaining vital programs with no collateral to offer traditional lenders.
Community service businesses
Social enterprises and businesses contributing to community flourishing, not just profit.
Trust verification through
Mission agency worker relationship, church pastoral references, ministry partnership track records, business reputation verification, and community standing assessment.
Your Full Journey
From discovery to alumni — not just a check, a partnership
2. Application
Intake
Simple intake form plus agency worker recommendation. Baseline flourishing assessment.
3. Verification
Community Assessment
Agency worker assesses: community standing, viability, intent. Pastoral and community references collected.
4. Approval & Disbursement
Funding
Mujin reviews, approves grant. Funds disbursed, terms understood through moral covenant.
5. Active Support
Months 1–6
90-day check-in with agency worker. Business mentoring assigned. Peer borrower introduction. 6-month flourishing assessment.
6. Sustained Growth
Months 6–12
Ongoing mentoring and network access. Repayment tracking through community accountability. 12-month flourishing assessment.
7. Graduation
Completion
Grant fully repaid or moral covenant fulfilled. Graduation celebration with community recognition. Flourishing outcomes documented.
8. Alumni Network
Ongoing
Join peer mentor pool. Eligible to become trust verifier for new applicants. Pay-it-forward contribution. Access continued network and resources.
9. Flywheel
The Cycle Continues
Alumni mentor new borrowers. Alumni verify trust for new applicants. Community capital compounds — financial, social, and relational.
Beyond Capital
Not just money — a full support ecosystem
Every borrower receives wrap-around services designed to support your whole journey, not just the financial part.
Business mentoring
Strategy, operations, marketing, Japanese market navigation.
Financial guidance
Budgeting, planning, sustainability, tax compliance.
Ministry support
For ministry leaders — strategy, sustainability, impact measurement.
Network access
Connections to other Christian entrepreneurs across agency networks.
Spiritual encouragement
Mission agency relationship — organic, not forced.
Community integration
Deeper connection to local church and ministry networks.
Peer learning
Borrower community events, cross-agency meetups.
Legal and compliance guidance
Business registration, visa requirements, APPI awareness.
Capital Structure
¥750K–2M in grants through community trust
Mujin operates a revolving grant fund, not a loan program. Capital is disbursed through a moral repayment covenant — not a legally enforced debt. Repayment is driven by community accountability and honor dynamics, not courts or collectors.
80-90% expected repayment means your charitable dollar funds two entrepreneurs. Repayments flow back into the fund and are redeployed to new grants — sustainable capital that keeps working.
Moral covenant, not legal debt
Grants are disbursed with a moral repayment covenant. No legal enforcement. Community accountability drives repayment.
85% community repayment
Because when your pastor vouched for you, you don't let them down. Honor dynamics and relationship drive results.
5% program fee
Optional, for operational sustainability. Covers coordination, technology, training, and reporting infrastructure.
Hardship protocol
If you face difficulty, timelines are restructured and support services increase. Mujin never pursues legal recovery.
Meet the people behind the numbers.
I had the business plan. I had the community support. What I didn't have was a bank that would listen. My agency worker understood what a credit algorithm never could — that I show up, that I give back, that my neighbors trust me. That trust became my capital.
— Kenji T., Social Enterprise Founder, Osaka
¥4.5M
Grant Received
12
Jobs Created
Kenji now mentors three new borrowers in his network.
Foreign entrepreneurs in Japan face a credit system that doesn't see them. I had been in my community for five years, running a small business, raising my family. Banks couldn't verify what my neighbors already knew. Through Mujin, my community standing became my strongest asset.
— Maria S., Small Business Owner, Nagoya
¥3M
Grant Received
+48%
Flourishing Score
No traditional credit score required — community verification opened the door.
Common Questions
Frequently asked questions
How much capital can I access?
Grants range from ¥750K to ¥2M (approximately $5K–$13K USD), with an average grant size of ¥1.35M. The amount depends on your business or ministry needs, community verification, and the assessment by your agency worker.
Is this a loan or a grant?
Mujin operates a revolving grant fund, not a loan program. Capital is disbursed through a moral repayment covenant — not a legally enforced debt. Repayment is driven by community accountability and honor dynamics. 85% of recipients repay, and those repayments fund the next entrepreneur.
Do I need a credit score or collateral?
No. Mujin uses community trust verification instead of traditional credit scores or collateral requirements. Your community standing — verified through mission agency worker relationships, church pastoral references, and business reputation — is what qualifies you.
Can foreign residents apply?
Yes. Mujin serves both Japanese nationals and foreign resident entrepreneurs. If you lack Japanese credit history but are embedded in community life and building a real business, you are eligible. Trust verification bypasses discriminatory credit systems.
What happens if I can't repay?
Mujin never pursues legal recovery. If you face difficulty, your timeline is restructured and support services increase. The borrower hardship protocol is designed around dignity — we increase mentoring, adjust expectations, and walk with you through the challenge.
What support do I receive beyond capital?
Every borrower receives wrap-around services: business mentoring, financial guidance, ministry support, network access to other Christian entrepreneurs, spiritual encouragement, community integration, peer learning events, and legal/compliance guidance. This is a full support ecosystem, not just a check.
How do I connect with an agency worker?
Submit the contact form below with your name, location, and a brief description of your business or ministry. A team member will connect you with an agency worker in your area within 3 business days.
What is the borrower journey timeline?
From application through graduation typically spans 12 months. This includes verification, approval and disbursement, active support during months 1-6, sustained growth during months 6-12, and graduation. After graduating, you join the alumni network and can become a mentor and trust verifier for new applicants.
Is my personal data protected?
Yes. All borrower data is stored in Japan-compliant infrastructure under APPI (Japan's Act on Protection of Personal Information). You own your data. Religious affiliation is handled as special care-required personal information. We collect only what is needed for verification and support, and we never sell or share data with third parties.