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.