The Bank of Thailand expects to launch a central SME Credit Portal in December 2026, where you enter basic business details and financials, and banks can view them at level 1 before you add detail at level 2. Expect only some banks to respond (the governor said maybe 3-4 out of 10 sign-ups). You can apply to new loans or refinancing, and you can send requests to up to 5 lenders for refinancing. The portal is not yet live, so prepare clean basic financial statements now. Supply chain financing using invoices is planned as a later step. Timing and scope may change.