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SME Credit - One Account

​​​Choose as you desire!

Long-term Loan - Big Credit Line - No Collateral


Juristic person required to submit documents to the Revenue Department for loan approval.​

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Loan details


Long-term Loan

Types of Loan

  • Long-term loan
  • Overdraft loan (OD)

Installment Period

  • Up to 10 years
  • As determined by KBank

Loan Limit

Up to 30 million Baht

Interest Rate

Starting at MRR -0.5% p.a.

Collateral

Business facilities

                                      

Big Credit Line

Types of Loan

  • Long-term loan
  • Overdraft loan (OD)

Installment Period

  • Up to 7 years
  • As determined by KBank

Loan Limit

Up to 3.3 times the collateral value

Interest Rate

Starting at MRR+ 0.5% p.a.

Collateral

  • Business facilities
  • Residential property
  • Vacant land
  • Fixed-term deposit
  • Bond

Fee

No TCG Guarantee Fee in the 1st year, 2nd - 3rd year 0.5% per year
and 1.5% per year thereafter.

 


No collateral

Types of Loan

Long-term loan

Installment Period

Up to  5 years

Loan Limit

Up to 5 million Baht

Interest Rate

Starting at MRR + 4.5% p.a.

Collateral

Personal guarantee
TCG guarantee

Fee

No TCG Guarantee Fee in the 1st year, 2nd - 3rd year 0.5% per year
and 1.5% per year thereafter.

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Application details

Eligibility
  • Juristic person required to submit documents to the Revenue Department for loan approval
  • Having been in business for not less than 5 years
  • Having good payment history in accordance with criteria determined by KBank

                          

Required documents
  • Copy of national ID card of                               
    • Managing Director
    • Authorized signatory of juristic person    
    • Shareholders holding at least 20% of shares    
    • All guarantors    
    • Grantor and grantee of power of attorney    
    • Collateral owner (loan requiring collateral only)
  • Copy of house registration of
    • Managing Director
    • Authorized signatory of juristic person
    • Shareholders holding at least 20% of shares
    • All guarantors
    • Grantor and grantee of power of attorney
    • Collateral owner (loan requiring collateral only)
  • Copy of name change certificates of managing director, authorized signatory of juristic person, shareholders holding at least 20 % of shares,  all guarantors, grantor and grantee of power of attorney, collateral owner (if any) 
  • Copy of Commercial Registration Certificate and copy of Objectives of Juristic Person issued not more than three months prior to submission      
  • Copy of Memorandum of Association and Articles of Association      
  • Copy of shareholder’s registration issued not more than three months prior to submission      
  • Latest financial statement submitted to the Revenue Department in the most recent year and previous two years      
  • Tax payment documents or summary of monthly sales and purchase orders covering the past three months      
  • Copy of the collateral ownership document (for loans requiring collateral)     
  • Tax ID card (if any)     
  • Minutes of company meeting resolving to apply for a KBank loan      
  • Other documents required by KBank  

                          



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FAQs

Which group of customers can request the special credit line for tax payment ?

SME operators who are juristic persons required to submit documents to the Revenue Department for loan approval, and who apply for one of the three types of SME Credit – One Account: Long-term Loan, Big Credit Line, or No Collateral.

What is the purpose of the special credit line ?

It is for payment of tax to the Revenue Department, which must be made via K-Cash Connect Plus or K-Corporate Payment Card only.

​​
What is the interest rate for the special credit line for tax payment ?

Interest is based on the rates of the principal loan (Long-term Loan, Big Credit Line, or No Collateral). The lowest rate is MRR-1%, and the highest is MRR+5%.

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Credit line for tax payment

Customers applying for an SME Credit – One account may request a special credit line for payment of tax to the Revenue Department. 10 percent additional credit line will be granted on top of the approved principal loan. Tax payment must be made via K-Cash Connect Plus or K-Corporate Payment Card only. The program will end on December 31, 2019 or last until the loans are used up.

Types of Loan

Long-term loan
Overdraft loan (OD)

Installment Period

Up to 5 years

Loan Limit

Up to 3 million Baht

Interest Rates

Starting at MRR-1% p.a.

Collateral

Personal guarantee

Tax payment channels

K-Cash Connect Plus
K-Corporate Payment Card (Tax Smart Card)


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Credit line for tax payment

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Loan details

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Application details

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FAQs

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