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Commercial Loan

​​​​​​​​​​​​Expand your business
Invest in fixed assets​

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Loan Details

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How to Apply

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Loan Details

Installment Period

Maximum 7 years

Loan Limit

400 million Baht

 

Interest Rates

Set by Bank policy

Collateral

  • Vacant land
  • Business facilities
  • Residential properties
  • Machinery
  • Bank deposits


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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)
  • Have operated a business for more than 3 years
  • Possess no record of over-30-day outstanding debts in the past 12 months
  • Have no history of debt restructuring with any financial institutions
  • Have not been deemed an NPL with any financial institutions at the moment
  • Have never been sued, sentenced guilty in any monetary cases. Borrowers’ assets and properties must never been confiscated. Borrowers must have never been declared bankruptcy or received an automatic stay
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
  • Copy of the collateral ownership document (for loans that require collateral only)

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
  • 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
  • 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)
  • Latest financial statements submitted to the Revenue Department
  • Tax paying evidence or monthly buying and selling report of the past 3 months
  • Documents showing the income of the business
  • Copy of the collateral ownership document (for loans that require collateral only)
  • Tax Payer ID Card (if any)
  • Minutes of meeting showing the board’s consent to apply for a loan with the bank
  • Letter of consent for credit bureau investigation

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Frequently Asked Questions

How do I ask for a loan?
  • Customers should have a clear purpose for the loan, e.g., as investment or as working capital. The Bank will offer appropriate credit limits per the type of loan sought.
  • Documents required for loan application include a copy of business registration and income certifications.
  • For enquiries, please call Tel. 02-8888822
What are the Bank’s loan approval criteria?
  • Purpose of the loan application
  • Qualifications of the borrowers, e.g., knowledge, skills, experience, debt repayment history, and honesty in conducting business
  • Debt repayment servicing ability of the borrowers
  • Collateral
  • Other criteria, on a case-by-case basis
Can I apply for a loan if I have no collateral?

Yes, the Bank offers certain loan products for SMEs that have no collateral.

Can I apply for a loan if I have no guarantor?

Yes, certain types of loans do not require personal guarantees. Under the cooperation between the Bank and theThai Credit Guarantee Corporation (TCG), TCG can act as a loan guarantor for you.

Do I need to have a business to be eligible for a loan application?

Yes, you must operate your business for at least one year, with the exception of franchise and apartment businesses.

Can I apply for a loan if I have not registered my business, or my business registration is less than one year old?

Yes, if you have operated your business for at least one year, though reliable documents are required. For those having no or less than one year of business experience, the Bank offers special conditions for loan applications for franchise and apartment businesses.

Can I apply for a loan if I have a poor financial history?

Yes, but the Bank will consider its causes and other factors.


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