Middle|Right Green

Commercial Loan

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

InvisibleSectionName
10
Padding

Loan Details

Black
Middle|Left
Left
InvisibleSectionName
20
Padding

How to Apply

Black
Middle|Left
Left
HtmlBlock
11
Padding

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


Black
Middle|Left
Left
HtmlBlock
21
Padding

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
  • Businesses that have undergone debt restructuring may apply if the debt restructuring contract was executed at least 36 months prior to application.
  • Not currently considered NPL by any financial institution during the 36 months prior to application.
  • 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 such as account statements, bills, etc.
  • Copy of the collateral ownership document (for loans that required collateral only)
  • One-year performance summary – both complete and incomplete (In case L/I requested for bidding or advance payment)
  • Employment contract or backlog report (in case of construction business)

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
  • One-year performance - complete and incomplete (in case of request for L/I for bidding or advance payment)
  • Employment contract or backlog report (in case of construction business)
Black
Middle|Left
Left
HtmlBlock
30
Padding

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.


Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left