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Franchise Credit

​​​​​​​​​​​​​​​​Own a franchise! It’s easy!

No collateral, no business experience needed​

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Key Features

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Participating Franchises

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Loan Details

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How to Apply

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No collateral needed
No experience require

Start your own franchise


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Enjoy the industry variety

 
 

Food

 
 

Beverage

 
 

Bakery

 
 

Retail

 
 

Education

 
 

Service

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Loan Details


Types of Loan

  • Long-term loan
  • Overdraft (OD)

Installment Period

Long-term loan : Maximum 10 years as stated by franchisor
Overdraft (OD) : Reviewed yearly

Loan Limit

Up to 100% of investment value as stated by franchisor
Just present franchisor documents granting right to operate

Interest Rates

Maximum MRR + 3% per year

Collateral

Whether collateral is required, a collateral deduction, or no collateral required, depends on each franchise brand (accredited by the bank).

Depending on franchise brand

  • Collateral required
  • Collateral reduced
  • No collateral
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How to Apply​

​Qualifications
  • Private or corporate individual of Thai nationality
  • Be at 20-65 years of age and older (not older than 75 years old for current customers)
  • No business experience needed
  • Good financial standing by KBank criteria
Required Documents​

Private Individuals

  • Copy of the national ID card of the applicant, spouse, guarantor, and collateral owner
  • Copy of the house registration of the applicant, spouse, guarantor, and collateral owner
  • Copy of a marriage or divorce certificate or spouse's death certificate (if any)
  • Copy of a name-surname change certificate of the applicant, spouse, guarantor, or collateral owner (if any)
  • Copy of the business registration and / or other government-issued documents
  • Documents showing the income of the business such as account statements, bills, etc.
  • Copy of the collateral ownership document (for loans that required collateral only)
  • Representation Certificate from franchisor

Corporate Individuals

  • Copy of the national ID card of
    • Managing director
    • Authorized signatories
    • All shareholders holding at least 20%
    • All guarantors
    • Grantor and grantee of power of attorney
    • Collateral owner
  • Copy of the house registration of
    • Managing director
    • Authorized signatories
    • All shareholders holding at least 20%
    • All guarantors
    • Grantor and grantee of power of attorney
    • Collateral owner
  • Copy of Name Change Certificate of managing director, juristic person’s authorized signatory(ies), shareholders holding shares of at least 20 percent of the total, all guarantors, grantor of authorization and authorized person, collateral owner (if any)
  • Copy of Corporate Registration Certificate and copy of the corporate objectives (within 3 months)
  • Copy of corporation's Memorandum of Association and Articles of Association
  • Copy of shareholder registration (within 3 months)
  • Financial statements submitted to the Revenue Department in the latest year and the two previous years
  • Tax paying evidence or monthly buying and selling report of the past 3 months
  • Documents showing the income of the business such as account statements, bills, etc.
  • Copy of the collateral ownership document (for loans requiring collateral)
  • Tax Payer ID Card (if any)
  • Minutes of meeting showing the board’s consent to apply for a loan with the bank
  • Representation Certificate from franchisor
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Frequently Asked Questions

May I apply for a loan if I have been in business for less than one year?

Yes. KBank will use criteria in the Representation Certificate from the franchisor in considering your application.

I want to open a franchise, but lack funds for the investment. Will the Bank approve a 100% loan?

Depending on the franchise brand, KBank may consider a loan amount equal to investment value as specified in the Representation Certificate.

May I apply for a franchise loan if the franchise is not on the Bank's approved list?

Yes. Your application will be considered based on normal KBank criteria and procedures.

I am an entrepreneur, and I want to sell my franchise. What criteria does the Bank consider?

For enquiries, please call Tel. 02-8888822

I am a regular employee and have monthly salary slips but no business statement. May I apply for a franchise loan?

Yes. KBank will use criteria in  the Representation Certificate from the franchisor in considering loan approval.

I would like to open a franchise, but have limited collateral. May I apply for a loan?

Yes, you may apply for one of several types of K-SME Franchise Credit: Collateral-free loans, loans guaranteed by the Thailand Credit Guarantee Corporation (TGC) and loans secured by collateral.


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