Many loans were arranged by merchants in Kyoto as there were traditionally a large number of powerful merchants there in the early Edo period, but the connection of Daimyo and Kyoto became weaker as the position of Kyoto in economy declined.
江戸時代初期には伝統的に有力商人が多かった京都の商人からの借り入れも多かったが、京都自体の経済的地位の低下によって大名貸との関係が薄くなった。