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Micro Loan

​​​For Uninterrupted Operations
Helping to Grow SME

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Loan Details


Types of Loan

  • Long-term loan
  • Promissory Note (PN)
  • Overdraft (OD)
  • Letter of Guarantee​ ​(LG)

Installment Period

Long-term loan : maximum 5 years

Loan Limit

3 million Baht

Interest Rates

MRR + 3% per year

Collateral

  • Land
  • Land and attached structures
  • State leasehold
  • Bank deposits
  • Bonds
  • State enterprise debentures
  • Funds

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How to Apply

Types of Loan

Short-term Loan (Working Capital)

For business operations, term up to one year in 3 types

OD (overdraft)

  • Covers checks written against current account with the Bank
  • Interest compounded monthly on actual disbursements (calculated as of the last working day of the month).

PN (promissory note)

  • Notes valid for 30-180 days
  • Interest not compounded

LG ​(letter of guarantee​)

  • Guarantees customer compliance with contract or other obligations with LG recipient, domestic or international.
  • Annual fees not more than 2.5%.

Long-term loan

For investment in fixed assets such as land, buildings, factories, machinery, etc. with term longer than one year.

Loan

  • The borrower may choose to receive the loan either (1) as a single payout for the purchase of fixed assets or (2) in installments to pay for ongoing construction.
  • Repayment in monthly installments for a period not exceeding five years.
  • Effective interest rates
Qualifications
  • Juristic person or individual person of Thai nationality
  • Age of individual person: 20-65 years (up to 75 years for existing customers)
  • In business for not less than three years
  • No late payments of over 30 days during the past 12 months
  • Have never entered into debt restructuring with any financial institution
  • Not currently considered NPL by any financial institution
  • Have never been sued and convicted of financial offences with assets confiscated; Have never been declared bankrupt or placed under court supervised reorganization
Required Documents

Individual Person

  • Copies of the national ID cards of applicant, applicant’s spouse, guarantor, and owner of collateral
  • Copies of house registrations of applicant, applicant’s spouse, guarantor, and owner of collateral
  • Copy of marriage or divorce certificate or spouse's death certificate (if any)
  • Copy of name change certificates, if any, of applicant, applicant’s spouse, guarantor, and owner of collateral
  • Copy of business registration and/or other government-issued documents
  • Documents showing the revenues of the business
  • Copy of collateral ownership document
  • Tax Payer ID Card (if any)
  • Letter of consent for creditworthiness check by National Credit Bureau

Juristic Person

  • Copies of national ID cards of :
    • Managing director
    • Authorized signatories
    • All shareholders holding at least 20% of shares
    • All guarantors
    • Grantor and grantee of power of attorney
  • Copies of house registrations of :
    • Managing director
    • Authorized signatories
    • All shareholders holding shares at least 20% of shares
    • All guarantors
    • Grantor and grantee of power of attorney
  • 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
  • Tax payment documents or summary of monthly sales and purchase orders covering the past three months
  • Documents showing business revenues
  • ​​Tax ID card (if any)
  • Minutes of company meeting resolving to apply for a KBank loan
  • Letter of consent for creditworthiness check by National Credit Bureau

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Frequently Asked Questions

Can the loan be granted to businesses that have been operating for less than 3 years?

No, applicants are not eligible.

Can the loan be granted to a business that is not commercially registered?

Yes, applicants can apply for the loan.

What is the maximum credit limit?

No less than 80% of the valuation evaluated.

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Loan Details
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How to Apply​
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