Yamaya is one of countless small- and medium-sized enterprises (SMEs) in Japan feeling the effects of a widening credit crunch.
Critics say Japan's large banks, under pressure to tackle their bad loans, are asking borrowers to return their loans, pay more interest or provide more collateral. In Japan's weak economic climate, none of these options are easy to accept for many SMEs.
One of the banks to Yamaya Corporation, a construction materials company his father founded nearly 90 years ago, sold its loan to the Resolution and Collection Corporation - the public loan buying body.
Yamaya could not meet the bank's demand that it repay its loan within three years or provide more collateral to make up for the fall in the collateral value to one-tenth of its original value.
"They did that even though we were paying both interest and principal on time," says Mr Yamaya, whose business reputation has been hurt by the bank's move.
