It's very simple. If the shop is yours, you can use it as collateral to open a shop. If it is not yours, there is only one way for China people to borrow money in Japan, that is, take as much as they can save, for example, 50,000 yen, and your loan amount is 50,000 yen.

You can't get a loan unless you have Japanese nationality or permanent residency or work in a Japanese company.