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No Collateral

​​​​​​​​​​​​​Collateral-free!
All you need is a guarantor

Enhance liquidity – No collateral worries!​​

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Loan Details


Types of Loan

Long-term loan

Installment Period

Up to 3 years.

Loan Limit

Juristic person : 5 million Baht.
Individuals person : 3 million Baht

Interest Rates

MRR + 9% per year

Collateral

Guarantor

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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 such as account statements, bills, etc.
  • Tax Payer ID Card (if any)
  • Letter of consent for credit bureau investigation

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.
  • Tax Payer ID Card (if any)
  • Minutes of meeting showing the board’s consent to apply for a loan with the bank



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Frequently Asked Questions

How many years of business experience are borrowers required to have?

Not less than three years.

Can I apply for a loan if I have been in business for three years without any business registration?

No, you cannot.

Is a guarantor required?

Yes, at least one guarantor is required.

Who can be a guarantor?

A father, mother, child, husband, or wife


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Loan Details

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How to Apply​
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